A bank-beating digital experience that moves as fast as you do
Step 1
Start with a quote
No credit score impact
See your rate, repayments and borrowing power in 90 seconds
Step 2
Apply for pre-approval
No credit score impact
Shop with confidence with fast, online pre-approval
Step 3
Drive away
Same-day funding, 7 days a week
Approvals in as little as 60 minutes, even on weekends
Simple terms. No hidden fees.Simple terms. No hidden fees.
$0
Early repayment fee
Want to pay off early and save on interest? You can with us.
$12.50
Monthly fee
Simple, transparent pricing. Never any hidden extras.
$0-$495
Establishment fee
$0 for excellent credit history. Otherwise, a $495 establishment fee applies.
3-7 years
Loan durations
Choose a repayment term that suits your lifestyle.
$100,000
Max loan amount
Choose your loan amount from $10,000 to $100,000.
Up to 40%
Balloon payment
A balloon payment lets you defer part of your loan until the end of your loan term.
It reduces your regular repayments, with the remaining balance due as a final lump sum when your loan ends.
Lower your repayments with an optional balloon payment on eligible vehicles.
$0
Early repayment fee
Want to pay off early and save on interest? You can with us.
$12.50
Monthly fee
Simple, transparent pricing. Never any hidden extras.
$0-$495
Establishment fee
$0 for excellent credit history. Otherwise, a $495 establishment fee applies.
3-7 years
Loan durations
Choose a repayment term that suits your lifestyle.
$100,000
Max loan amount
Choose your loan amount from $10,000 to $100,000.
Up to 40%
Balloon payment
A balloon payment lets you defer part of your loan until the end of your loan term.
It reduces your regular repayments, with the remaining balance due as a final lump sum when your loan ends.
Lower your repayments with an optional balloon payment on eligible vehicles.
With no impact to your credit score
Low rates
See how our rates stack up against the major banks.
MONEYME
from 7.13% p.a.
CommBank
from 8.20% p.a.
ANZ
from 8.18% p.a.
NAB
from 8.28% p.a.
Westpac
from 7.90% p.a.
Click here for important information on comparison rates. MoneyMe rate is for a variable rate secured loan. Westpac, NAB, CBA rates are for fixed rate secured loans. ANZ rates are for a variable rate unsecured personal loan. Comparison excludes short-term promotional rates. Last updated 27/07/2026.
Ready to get a quote?
Find out your rate and repayments in under 90 seconds
With no impact to your credit score
About MONEYME's second hand car finance loan
Get behind the wheel faster with a MONEYME secured finance loan. Whether you’ve found the perfect second hand car through a dealer or private seller, we’re here to support you every day of the week.
Our application is fully online so you can get a second hand car loan sooner. With personalised rates and no early exit fees, our loans are designed to work around you. If approved, your funds could be ready in as little as 60 minutes, so you can drive away same day.
MONEYME Reviews Average rating: 4.7, based on 5000 reviews
Helpful and easy
Well I've been with MONEYME for the last 5yrs so helpful and easy to deal with hence why ive not so long ago been approved for another loan from you guys so thankyou for helping me out as im enjoying my new ride
JamesMar 24, 2026
Better rates and convenient!
Process was easy and quick- very convenient. Rates were also much better than what the banks offer.
JMijMar 21, 2026
A seamless, efficient and professional experience.
Excellent communication culminating in a very quick transaction. Would use them again without hesitation.
NickMar 19, 2026
Easy to deal with.
I found MONEYME to be straightforward. The whole process from applying to approval was quick and done with ease. The app is easy to understand and effortless. Well done to MONEYME.
EmilioMar 17, 2026
I would do it all again with MONEYME
Great financial group. I have had 2 personal loans and they could not do enough to help me. If I need to, I would do it all again with MONEYME. Thank you
TrishMar 17, 2026
Got a better interest rate!
I have had numerous loans with MONEYME; the process is quick, the service is great, and that's why I keep coming back. Highly recommend.
JohnnyMar 12, 2026
We've used MONEYME for 5 years
We've used MONEYME for 5 years and funded various vehicles with them. Their honesty, expertise and speed is the best in the market. With a recent purchase they approved and settled all within hours. Their process and rates are amazing. Thanks Cam and the MONEYME team.
SamMar 11, 2026
The interest rates were reasonable
My experience with MONEYME was very simple and convenient, and I was impressed with how fast they approved my loan request. The interest rates were reasonable which I appreciate and the repayments for me are more than manageable.
LeeMar 10, 2026
I would give these guys an 11 out of 10
I have never struck a lender so easy to get along with , then coupled by a top broker sam smith, if you need a lender i would give these guys an 11 out of 10 , fantastic
GavMar 2, 2026
So impressively easy and fast.
Our bank who we already had a mortgage with was being difficult despite clearly being able to see that we put $1000 extra per fortnight into our mortgage, moneyme had our application approved and money in our account within 24hours.
BridgetteFeb 26, 2026
I was recommended MONEYME
I am only at the beginning of my finance and the process has been very straight forward. I was recommended MoneyMe because I plan to pay out my finance early and like the fact I can do that without getting whacked with extra fees and interest!
SamFeb 20, 2026
What a pleasure working with MONEYME.
What a pleasure working with MONEYME. Their service and expertise were beyond expectations. Thank you for making this process so easy and simple.
Jacques SFeb 20, 2026
Fast and simple
The application process was straightforward, quick and simple, the interest rate was very competitive and the funds were available immediately after approval.
JamesFeb 16, 2026
They definitely went above and beyond
From start to finish the whole experience was flawless and they definitely went above and beyond to get me the product I really wanted well done to Peter and luke great job guys I'll be sure to return when time is right thank you a million times
ShaneJanuary 30, 2026
Funds where in my account with 24hours
Straight forward application, information requests easily accessed from my phone, quick response times and funds where in my account with 24hours. Thanks MONEYME ⭐⭐⭐⭐⭐rating
JasonJan 23, 2026
Helpful and easy
Well I've been with MONEYME for the last 5yrs so helpful and easy to deal with hence why ive not so long ago been approved for another loan from you guys so thankyou for helping me out as im enjoying my new ride
JamesMar 24, 2026
Better rates and convenient!
Process was easy and quick- very convenient. Rates were also much better than what the banks offer.
JMijMar 21, 2026
A seamless, efficient and professional experience.
Excellent communication culminating in a very quick transaction. Would use them again without hesitation.
NickMar 19, 2026
Easy to deal with.
I found MONEYME to be straightforward. The whole process from applying to approval was quick and done with ease. The app is easy to understand and effortless. Well done to MONEYME.
EmilioMar 17, 2026
I would do it all again with MONEYME
Great financial group. I have had 2 personal loans and they could not do enough to help me. If I need to, I would do it all again with MONEYME. Thank you
TrishMar 17, 2026
Got a better interest rate!
I have had numerous loans with MONEYME; the process is quick, the service is great, and that's why I keep coming back. Highly recommend.
JohnnyMar 12, 2026
We've used MONEYME for 5 years
We've used MONEYME for 5 years and funded various vehicles with them. Their honesty, expertise and speed is the best in the market. With a recent purchase they approved and settled all within hours. Their process and rates are amazing. Thanks Cam and the MONEYME team.
SamMar 11, 2026
The interest rates were reasonable
My experience with MONEYME was very simple and convenient, and I was impressed with how fast they approved my loan request. The interest rates were reasonable which I appreciate and the repayments for me are more than manageable.
LeeMar 10, 2026
I would give these guys an 11 out of 10
I have never struck a lender so easy to get along with , then coupled by a top broker sam smith, if you need a lender i would give these guys an 11 out of 10 , fantastic
GavMar 2, 2026
So impressively easy and fast.
Our bank who we already had a mortgage with was being difficult despite clearly being able to see that we put $1000 extra per fortnight into our mortgage, moneyme had our application approved and money in our account within 24hours.
BridgetteFeb 26, 2026
I was recommended MONEYME
I am only at the beginning of my finance and the process has been very straight forward. I was recommended MoneyMe because I plan to pay out my finance early and like the fact I can do that without getting whacked with extra fees and interest!
SamFeb 20, 2026
What a pleasure working with MONEYME.
What a pleasure working with MONEYME. Their service and expertise were beyond expectations. Thank you for making this process so easy and simple.
Jacques SFeb 20, 2026
Fast and simple
The application process was straightforward, quick and simple, the interest rate was very competitive and the funds were available immediately after approval.
JamesFeb 16, 2026
They definitely went above and beyond
From start to finish the whole experience was flawless and they definitely went above and beyond to get me the product I really wanted well done to Peter and luke great job guys I'll be sure to return when time is right thank you a million times
ShaneJanuary 30, 2026
Funds where in my account with 24hours
Straight forward application, information requests easily accessed from my phone, quick response times and funds where in my account with 24hours. Thanks MONEYME ⭐⭐⭐⭐⭐rating
JasonJan 23, 2026
Helpful and easy
Well I've been with MONEYME for the last 5yrs so helpful and easy to deal with hence why ive not so long ago been approved for another loan from you guys so thankyou for helping me out as im enjoying my new ride
JamesMar 24, 2026
Better rates and convenient!
Process was easy and quick- very convenient. Rates were also much better than what the banks offer.
JMijMar 21, 2026
A seamless, efficient and professional experience.
Excellent communication culminating in a very quick transaction. Would use them again without hesitation.
NickMar 19, 2026
Easy to deal with.
I found MONEYME to be straightforward. The whole process from applying to approval was quick and done with ease. The app is easy to understand and effortless. Well done to MONEYME.
EmilioMar 17, 2026
I would do it all again with MONEYME
Great financial group. I have had 2 personal loans and they could not do enough to help me. If I need to, I would do it all again with MONEYME. Thank you
TrishMar 17, 2026
Got a better interest rate!
I have had numerous loans with MONEYME; the process is quick, the service is great, and that's why I keep coming back. Highly recommend.
JohnnyMar 12, 2026
We've used MONEYME for 5 years
We've used MONEYME for 5 years and funded various vehicles with them. Their honesty, expertise and speed is the best in the market. With a recent purchase they approved and settled all within hours. Their process and rates are amazing. Thanks Cam and the MONEYME team.
SamMar 11, 2026
The interest rates were reasonable
My experience with MONEYME was very simple and convenient, and I was impressed with how fast they approved my loan request. The interest rates were reasonable which I appreciate and the repayments for me are more than manageable.
LeeMar 10, 2026
I would give these guys an 11 out of 10
I have never struck a lender so easy to get along with , then coupled by a top broker sam smith, if you need a lender i would give these guys an 11 out of 10 , fantastic
GavMar 2, 2026
So impressively easy and fast.
Our bank who we already had a mortgage with was being difficult despite clearly being able to see that we put $1000 extra per fortnight into our mortgage, moneyme had our application approved and money in our account within 24hours.
BridgetteFeb 26, 2026
I was recommended MONEYME
I am only at the beginning of my finance and the process has been very straight forward. I was recommended MoneyMe because I plan to pay out my finance early and like the fact I can do that without getting whacked with extra fees and interest!
SamFeb 20, 2026
What a pleasure working with MONEYME.
What a pleasure working with MONEYME. Their service and expertise were beyond expectations. Thank you for making this process so easy and simple.
Jacques SFeb 20, 2026
Fast and simple
The application process was straightforward, quick and simple, the interest rate was very competitive and the funds were available immediately after approval.
JamesFeb 16, 2026
They definitely went above and beyond
From start to finish the whole experience was flawless and they definitely went above and beyond to get me the product I really wanted well done to Peter and luke great job guys I'll be sure to return when time is right thank you a million times
ShaneJanuary 30, 2026
Funds where in my account with 24hours
Straight forward application, information requests easily accessed from my phone, quick response times and funds where in my account with 24hours. Thanks MONEYME ⭐⭐⭐⭐⭐rating
JasonJan 23, 2026
With no impact to your credit score
How to apply for a second hand car finance loan
Applying for a second hand car loan is simple with MONEYME.
Get an online quote in 90 seconds to see your personalised interest rate, repayments and borrowing power, with no impact to your credit score.
Answer a few more questions to apply for pre-approval, so you'll know your budget before you start shopping for an eligible second hand vehicle.
Find your second hand car from a dealership or private seller. We'll assess and value the vehicle as part of your application before final approval.
Finalise your application. If approved, we'll transfer the funds directly to the seller in as little as 60 minutes, even on weekends, so you can drive away sooner.
Everything you need in one app
Get a quote or apply on-the-go in minutes and manage your account anytime, anywhere.
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.
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.
Loan terms range from 3 to 7 years. Annual Percentage Rates (APR) from 6.24% p.a. (comparison rate from 7.13%). The maximum APR is 26.10% p.a. (27.63% p.a. comparison rate). Representative example: a loan of $30,000 over 5 years with an interest rate of 9.44% p.a. (10.99% p.a. comparison rate) would require monthly repayments of $652.06, with total repayments of $39,123.48, including a $495 establishment fee and a $12.50 monthly fee. Rates displayed are for customers with an excellent credit history. For other borrowers, an establishment fee of $495 will apply, based on loan amount. A $12.50 monthly fee applies to all secured car loans.
Copyright 2026 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.
