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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 Loan Companies

Before you sign on the dotted line, your first assignment is to fully understand everything about car loan companies. Car loan companies’ prime duty as lenders allows a borrower to get a car loan, then requires the latter to pay, over a period of time, the amount financed, plus a finance charge according to their agreed interest, repayments, fees, and other conditions. Typically, car loan companies require the car purchased as collateral, except for unsecured car loans. Other car finance options offered by car loan companies include a personal car loan, car repair loans, and second-hand car finance, to name a few. 

Unlike most car loan companies like banks and other financial institutions, online car lenders like MONEYME gives borrowers the privilege of getting easy and fast online car loans for up to $50,000 coupled with the lowest car loan interest rates and approval in as little as 60 minutes. In less than five minutes after you have completed your online application, then we can verify your identity and access your digital bank statments.  That’s the kind of experience you’ll only get at MONEYME.

How do I compare car loans?

When comparing auto loan offers from car loan companies, most suggest looking at the annual percentage rate (APR) being offered. It refers to the costs you will pay each year to borrow money, expressed as a percentage. This is a more reliable basis as it reflects not only the interest rate but also the fees that you have to pay to get the loan.

To give you a more comprehensive detail, here are other factors that you should consider when choosing the best car loan companies and deals: 

Interest rate 

It is a crucial element to identify the number of your repayments, so find out which car loan companies offer the lowest car loan interest rates. 

Loan term

Loan terms affect your repayments. Of course, choosing longer-term loans results in smaller repayments but will take longer to pay off, and more interests will also be included. 

Minimum repayments

Minimum repayments offered by car loan companies vary, so depending on your financial circumstances, you can also identify which lender offers the most suitable minimum repayments for you.

Repayment structure 

It is essential that you include this information when choosing the best car loan companies. Your capacity to repay matters, and you need to find a repayment structure offer that best fits your needs.

Fees and charges

Some loans come with monthly account fees or administration fees, establishment fees, or early repayment fees. Be careful not to choose car loan companies that require unreasonable or high fees and charges for car finance options

At MONEYME, we provide our customers with a glimpse of how a car loan comparison should be. Our transparent simple car loan details are provided instantly on our website. Details such as interest rate, comparison rate, establishment fee, a monthly fee of only $10, flexible loan terms of one to five years, and exit fees are highly accessible on our platform.

What documents do I require to apply for a car loan?

Car loans provided by car loan companies in Australia are great options to consider for a reliable source of funds to avail a car. In fact, you don’t necessarily need to visit a bank branch. With the advent of technology and consumers’ growing confidence in shopping for items online, the best car finance options are now also made available online. 

While undeniably quick and relatively hassle-free, car loan companies require borrowers of a few documents that will give them information about their credibility to borrow from them and make repayments. These include the following: 

  • Personal information and identification 
    • Driver’s licence, passport, or Medicare card
    • Proof of residence and status
  • Financial information
    • Bank statements
    • Assets and liabilities
    • Evidence of income

As one of Australia’s leading car loan companies, each service of MONEYME is strategically designed to provide borrowers with the best car finance options in the most convenient and stress-free way possible. Why? Whether a chattel mortgage car finance or a car repair financing, it will take you less than five minutes to submit an application. Other options such as our Freestyle line of credit allow you to simply transfer yourself the cash you need when you need it, and it’s instantly available.

What do car loan companies look for when applying for a car loan?

Understanding the factors involved in applying for a car loan will enable you to plan for your application and confidently choose the best car loan companies with the best car finance deals. Thus, here are the five important points to know about when applying for a car loan: 

  • Credit score
  • Debt-to-income ratio
  • Size of downpayment
  • Length of loan
  • Age of vehicle

At MONEYME, we back your ambitions with our services designed with you in mind. Once you know how much you would like to apply, simply start a new online application using our website. In less than five minutes, you can submit your application and get approved within a day.

Getting a car doesn’t have to be frustrating. Check out our website or install our app now and let us help you take your financial worries away. 

Our customers

Car Loan 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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