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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 Deals

The days when cars were just mere status symbols are over and fortunately, various car finance deals are available to make acquiring one easy. The demands of today’s world make owning a vehicle not only a convenience but essentially a necessity. Getting to and from school, work, or any other destination is made much easier and safer when you have your own car. Cars are not only for personal use either; they are fundamental when it comes to running a business. Whatever your purpose for getting your own vehicle is, MoneyMe offers solutions that can suit your financing needs, budget, and other conditions. 

Because hundreds of car finance companies now make car finance deals available for people from all walks of life, the problem is not whether a car financing deal is available but rather, which deal is the right one for you. People always ask ‘what is the best way to finance a car’ and the answer is the one that addresses your needs best. For those who want to buy a car for personal use, getting a personal car loan is ideal. Meanwhile, for those who want to secure a vehicle for business purposes, a chattel mortgage car loan is the best option. 

Choosing which among the car finance offers available is your best fit should not be based on your purpose of getting a car alone. You should also be knowledgeable about the terms that come with getting a new car loan such as the fees, repayments, interest, and time constraints along with other technicalities. 

How do car finance deals work?

If you don’t have enough cash to afford the car that you want, that’s where the option to apply for a car loan comes in. Basically, you get money from the lender so you can purchase the car you want. In return, you have to pay interest, on top of the amount you borrowed, over a duration of time that you and the dealer both agreed to. The total repayment value also depends on other factors such as your credit score and other personal circumstances you might request to suit your specifications better. 

As for the requisites of applying for a car finance deal, you need to present documents that show these three basic types of information: personal identification, financial information, and vehicle information. For identification documents, you can present your driver’s license or other IDs that show your residential address and status. You must present your bank statements or a document listing your assets and liabilities to show your financial information and you should also present the purchase price, registration number and VIN, and comprehensive car insurance policy of the vehicle you are planning to purchase using the loan. 

Do car finance deals include insurance?

Because there are so many types of car finance deals, it is critical to understand the terms and coverage of the one you are getting. A common question among people applying for car loans is ‘will my car loan cover insurance?’ and the straightforward answer, for those in Australia, is no. What a car loan covers is generally just the amount you need to pay for the value of the vehicle alone. Simply put, car insurance is an extra cost that you have to consider when planning the overall budget you need to afford the car you want. 

How to get the best car finance deal?

There is no ‘one-size-fits-all’ solution when it comes to car finance deals. Choosing the right one for you is critical as it will determine how the years following your loan approval will go. Before applying for a car loan service, first, you should calculate the total amount you need to borrow to pay for the car. If you have enough cash to make a downpayment, the amount you need will decrease which means you will have to pay lower interest and monthly repayment charges. Other factors you need to consider when choosing which among the car finance deals is the best one for you include the loan interest rate and whether it is fixed or variable, the size of the loan, the duration of the loan, the type of loan (secured or unsecured), and other loan fees that may be incurred such as early repayment fees. You can also use the loan repayment calculator from MONEYME to help you get an estimate for your loan size conveniently online. 

Applying for a car finance deal is a long, tedious, and costly process but with MONEYME, the top-trusted online lender in Australia, you can apply for your car loan without the hassle and even get approved within minutes without extra fees. You can get $5,000 to $50,000 for a duration of one to five years and enjoy interest rates lower than Australia’s four biggest banks. Not only is the online loan application fast and easy, but you can also benefit from a flexible repayment structure without early exit charges. 

Wait no longer to get your dream car with MONEYME’s financial solutions. Access and manage your funds from anywhere via our iOS and Android app. Apply today to get the amount in your bank account in as fast as twenty-four hours!

Our customers

Car Finance Deals

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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Won’t impact your credit score!
Won't impact your credit score!

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