Same-day unsecured car loans

Low rates starting from 5.99% p.a. (comparison rate from 6.70% p.a.*) for our unsecured car loan with money in your bank account in as little as 60 minutes.

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Car Loan

Why our customers love us

Low rates that
beat the banks

MONEYME

from 6.70% p.a.

ANZ

from 8.18% p.a.

NAB

from 8.99% p.a.

Westpac

from 9.18% p.a.*

CommBank

from 9.64% p.a.

Click here for important information on comparison rates. All rates are for variable rate loans, unless noted with an asterisk (*), which indicates a fixed rate loan. Comparison excludes short-term promotional rates. Last updated 31/03/25.

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A car loan built around you

Great low rates

Great low rates

Low rates that beat the banks. Put more money back in your pocket.

Your loan, your timeline

Your loan, your timeline

Choose a loan term that fits your budget. No early repayment fees.

Get a quote in minutes

Get a quote in minutes

See your interest rate and repayments without impacting your credit score.

Same-day loans

Same-day loans

Approvals and funding in as little as 60 minutes, even on weekends.

Car loan calculator

Enter your loan details

$

Don’t know your score? Check for free

Estimated monthly repayments

$0.00

Example interest rate

8.7% p.a.

Comparison rate*

10.08% p.a.

Total charges

$0.00

Total repayments

$0.00

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Award-winning lender

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Ratings (mobile)

Low rates, no surprising fees

Variable interest rate

5.99

%p.a.

up to 24.49% p.a.

Comparison rate*

6.70

%p.a.

up to 25.87% p.a.

No credit score impact | Am I eligible?

Check our rates

Establishment fee

$0 - $395

Loans up to $15,000

$0 - $495

Loans above $15,001


Loan term

3 to 7 years


Our fees

$10

Monthly fee

$0

Early exit fees

Get a quote for a car loan in minutes

You can check your car loan interest rate and repayments online with an obligation-free quote. It only takes a few minutes and there's no impact on your credit score.

1

Check your rate and repayments

You can get a conditional loan offer in just minutes without impacting your credit score!

2

Submit your application

Review your loan offer, accept it, and you'll get an outcome typically within 60 minutes.

3

Same-day funding

Once approved, we'll transfer the money to your bank account immediately, even on weekends.

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Must be Australian citizen, New
Zealand citizen or permanent resident

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Earn more than $30,000 p.a. from employment

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Must at least be 18 years old

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Bank-grade security

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‘Read only' access to accounts

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256-bit data encryption

No credit score impact | Am I eligible?

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A different kind of lender

Quick quotes, fast approvals

Quick quotes, fast approvals

We cut out unnecessary paperwork and delays with lending that's fast, simple, and built around you.

Transparent and flexible

Transparent and flexible

No lock in contracts, hidden fees or surprises - just flexible options that keep you in control.

Real support, real fast

Real support, real fast

Speak to a real person if you have questions, we usually answer calls in seconds.

For people and the planet

For people and the planet

We care about our social and environmental impact, and we're proudly B Corp Certified.

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Car Loan Deals

At present, the market is full of car loan deals, and it can be difficult to know where to start looking for the best deal. Leaving sports car dreams to one side for a moment, all of us want to get the best financial deal possible when it comes to buying a car. And with the credit crunch still looming large in our rear-view mirrors, it’s more important than ever to make sure we’re getting the very best value for our money.

Here at MONEYME, we’re able to quote everyone for a car loan, no matter what their credit history is like. We can help you find the best loan for your situation. Our online application only takes minutes to complete, and you could have the money in your account within hours.

What are car loan deals?

Car loan deals are offers from lenders that can be used to finance the purchase of a new or used vehicle. Car loans typically have fixed interest rates and repayment terms, and the borrower is required to make regular monthly payments towards the loan principal. Car loans are available from a variety of lenders, including banks, credit unions, and online lenders. Borrowers should compare interest rates, fees, and repayment terms before applying for a car loan.

When shopping for car loan deals, it’s important to keep in mind that the lowest interest rate isn’t always the best deal. There are several different types of car loans on the market, each of which meets specific financing requirements, including an unsecured car loan, secured car loan, and chattel mortgage car loan.

MONEYME is one of Australia’s leading small personal car loan providers. We offer a range of personal loan products, including car loans, that are designed to suit your individual needs. MONEYME car loans are available from $5,000 to $50,000, with repayment terms from 12 to 60 months.

What are the advantages of car loan deals? For many people, taking out a car loan is the best way to finance a car. There are a number of advantages to doing so, including the following:

Car loans offer you access to vehicles that you might not have been otherwise able to afford. You don’t have to repay a car loan immediately and can take as long as five years to repay the loan. The car loan’s interest rate may be much lower than that of other car finance options. When you take out a car loan, you also have the option of choosing between a fixed-rate and variable-rate loan. A fixed-rate loan offers you stability, as your monthly payments will remain the same for the life of the loan. With a variable-rate loan, your interest rate may change over time, which could result in either increase or decrease in your monthly payments. Taking out a car loan is one of the most popular and affordable ways to finance a new vehicle, and with MONEYME, it’s easy to get approved for our car loan deals. We have helped thousands of Australians get into their dream car sooner than they thought possible.

Choose from a range of car loan deals with varying loan terms and repayment options to suit your budget. And because MONEYME uses a simple online application process, you can apply for a loan from the comfort of your own home. So if you’re looking for a way to finance your next car purchase, MONEYME could be the perfect solution for you.

How to find the best car loan deals? When you’re shopping for an auto loan, it’s important to compare your options to find the best deal for your financial situation. But what exactly should you be looking for? Here are a few key factors to keep in mind:

  • Interest rate. This is perhaps the most important factor to consider when shopping for an auto loan. The interest rate will determine how much you’ll ultimately pay for your vehicle, so it’s important to find the lowest rate possible.
  • Loan term. The loan term is the length of time you have to pay off the loan. Shorter loan terms typically have higher monthly payments, but they also come with lower interest rates. Longer loan terms may have lower monthly payments, but you will end up paying more in interest over the life of the loan. MONEYME offers loan terms of one to five years.
  • Prepayment penalties. Some lenders charge a fee if you pay off your loan early. This is something to watch out for, as it can negate any interest savings you might have otherwise achieved. At MONEYME, we offer no early-exit fees, so you can pay off your loan at any time without penalty.

Here at MONEYME, our car loan deals come with a number of benefits, including competitive interest rates, fast approval times, and flexible repayment terms. Compare different MONEYME car finance options and choose the one that’s best for your financial situation. MONEYME also offers a wide range of repayment options, so you can find a plan that fits your budget. With MONEYME, you can get the car you need without breaking the bank. So apply now!

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Trusted by over 110,000 Aussies

4.6 review rating

No credit score impact | Am I eligible?

Purpose-driven
and responsible

At MONEYME, we're not just here to provide low rate loans - we're here to make a difference. We believe in providing smart, responsible lending that keeps you financially on track, whilst doing good for the planet.

As a Certified B CorporationTM we're big on sustainability. We hold ourselves accountable to the high standards of the B Corp movement, supporting renewable energy projects, doing our part for the community, and striving towards a greener future.

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*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. For other borrowers, an establishment fee of $395 or $495 will apply, based on loan amount. A $10 monthly fee applies to all personal loans. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

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Copyright 2025 l MoneyMe Financial Group Pty Ltd l ABN 40 163 691 236 l Australian credit licence number 442218 | Credit criteria, fees, charges, terms and conditions apply.