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Winner of Canstar's Innovation Excellence Award 2022*

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Find out how much your repayments and
interest rate could be with our calculator


Monthly repayment from


Example interest rate

9.20 %

Comparison rate*

10.58 %

Total charges


Total repayments


Disclaimer: This calculator provides an estimate only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change. Any calculations made by you using this calculator is intended as a guide only.

Car Finance Companies

Experience car loan services better than most car finance companies by partnering with MONEYME as your new car finance provider today! Find out if you’re eligible for $5,000 up to $50,000 in online financing for a vehicle by accomplishing our seamless and straightforward car loans application.

With an entirely online application and approval process, you can easily get the cash you need with our range of car-related credit products here at MONEYME. You can buy that dream vehicle without having to deal with all the conditions a regular car finance company or bank requires, like an asset insurance requirement.

Through our digital platform, not only can you finance vehicles or pay for your car instalment, but we also make it easy to manage your repayments and interest rates. With our partner mobile application, you can have all the information about your fees and charges associated with your auto car loan at your fingertips. You can then also schedule and adjust your payment schedule either fortnightly or monthly.

Offering some of the most competitive rates out of the big four banks in Australia, and a service that utilises the best in technology to provide our partners with many different benefits, there’s no doubt that MONEYME is one of the best lenders to apply for car finance. From our instant transfers and the flexibility we offer when it comes to your personal car loan terms, we’ve helped thousands of Australians borrow the money they need to fund a car or vehicle.

Find out if you qualify for our car finance options today with our digital lending service here at MONEYME and see for yourself what makes us different from other car finance companies.

What do car finance companies check?

With regular car finance companies, you’ll need to submit several documents to determine your car loan eligibility before you are offered a loan quote with how much you can borrow. You may be required to submit one of the following:

Proof of identity 

To ensure you’re the right person and as a preventive measure against fraud, most car finance companies will request proof of identity and several personal details about you. These include your general full name, date of birth, marital status, and so on. In most cases, a driver’s licence is sufficient. However, some car finance companies may require more supporting information and even proof of address.

Income statement 

To make sure you can comfortably pay the repayments associated with your auto car finance, you will need to showcase that you have the financial capability through an income statement. You may have to submit bank statements, provide access to your bank details through an online portal, or submit two of your most recent payslips. 

Credit check

While not necessarily something you submit, most car finance companies perform a credit check before offering you a car loan quote. This plays quite an essential role in determining if you are approved and your specific loan amount/terms. For those with poor credit, you might find yourself paying higher amounts of interest to ease the risk towards the lender.

What are the benefits of financing a car?

There are many benefits when you apply for a vehicle loan with car finance companies or a digital lending platform like MONEYME. Here are some of the advantages you get as opposed to purchasing your vehicle on savings:

Speed up the purchase time

If you need a car urgently, with the assistance of MONEYME, you don’t have to wait until you’ve saved all or even part of the money required. You can drive off in your new vehicle as soon as the loan is approved by us and the funds are cleared in your account. Additionally, a monthly repayment scheme may be feasible for those who are looking to keep their savings intact.

Car financing can be tax-deductible

If you are an owner of a business and the business borrows money to acquire a company car, the financing costs can be deducted. Check with your company’s accountant or with your local tax office to see if you can claim a return on the interest on the car loan as well as other fees from insurance premiums, repairs, servicing, and more.

Enhances creditworthiness

By making your loan repayments on time and without any major issues, you can establish a positive history and start working towards building credit. This may be quite useful if you need to finance other things in the future, such as a mortgage on a new house or a loan for a business.

How to finance a car in Australia?

With the document requirements of car finance companies, getting the money you need for your new car might already be quite a headache. However, if you apply for car loans with MONEYME and utilise our streamlined process, there’s no need to gather all these documents as we process all our applications online.

You can start by determining your eligibility with our criteria. To apply for any credit products, you simply need to be a working permanent resident of Australia who is 18 years or over. If you find yourself in that bracket, all you have to do is visit our website and fill out our easy loan application form.

During the application process, you will need to provide information such as your income, mortgage payments for home loans, prior debts, and rental payments for renters. You will also be asked how much you want to borrow and for what purpose, in your case to buy a new car.

In most cases, if you apply during our business hours, we can approve your financed amount within minutes. As soon as your loan is approved and you agree to the loan’s terms and conditions, the funds you need will be in your bank account the same day, sometimes within minutes.

Choose a service better than most car finance companies and get the car of your dreams with MONEYME’s quality financing options. Apply today and change the way you think about car finance!

Our customers

Car Finance Companies

Fast, fair and easy. Very happy customer. Happy to get another loan in the future from MONEYME.

Simple process, easy to follow application, quick response time and good support.

I was impressed with how easy and quick the application was. Very happy with their customer service, and the app is very convenient.


Review Stars Out of 2,701 reviews

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Transparent and
simple pricing

Interest rate

9.20 %
to 25.20 %

Comparison rate*

10.58 %
to 26.58 %

Establishment fee
(Direct applications)

$395 for loans between $5,000 and $15,000

$495 for loans between $15,001 and $50,000

Monthly fee


Loan terms

Minimum 3 years

Maximum 5 years

Early exit fees


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