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Easy Car Loans

Personal loans for

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

Trusted by thousands of Australians

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Types of loans

Big purchase
Debt consolidation

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Estimated monthly repayments


Example interest rate

9.20% p.a.

Comparison rate*

10.58% p.a.

Total charges


Total repayments


It won’t affect your credit score!

Easy Car Loans

Getting access to easy car loans has never been easier with our efficient online car financing services here at MONEYME. You can receive the funds you need to pay for the vehicle of your dreams without having to dip into your savings, as we offer some of the best online car loans compared to other Australian banks and other online lenders.

We’ve helped thousands of customers with all types of auto loans and have experience handling everything from car instalments to other car finance options. The best part is we not only offer easy car loan approvals but also have some of the best benefits and terms on vehicle loans, allowing you to get the low-rate car finance you need!

With an intuitive partner mobile application that allows you to easily manage your repayments and account, our service is also great for tech-savvy borrowers looking to incorporate an easy digital borrowing platform into their daily lives. Here are some of the other advantages you get by choosing to partner with MONEYME for your easy car loans:

Straightforward approval and processing

With MONEYME’s easy car finance, there are no phone calls, long wait times, or reams of paperwork that need to be filled out. All we need are information about yourself and the easy car loans you wish to pursue. We also collect all the information we need with our secure portal, allowing us to verify and provide almost instant approval on your new car loan.

Minimal charges, competitive service

Compared to other lenders, when you apply for a car loan with MONEYME, there are no external conditions such as asset insurance or settlement fees. We provide a completely unsecured car loan and fair interest rates, and we also offer the ability to choose your payment terms (whether fortnightly or monthly).

Interested in experiencing our seamless credit services? Check out our website for more information about our easy car loans and other car finance options today!

How is the interest rate calculated for a car loan?

To understand how interest rates are calculated for your easy car loans, it’s important to be aware of the different factors that directly affect the costs when calculating your monthly repayments. One of the main factors that determine your rate is whether your new car finance is on a variable or fixed rate.

Variable-rate financing options are volatile, which means they change depending on the market. This means that you can get a lower or higher interest rate charged that is based on the current market environment. While it’s a great option to lower costs when there are favourable terms, it’s generally risky to go for a variable-rate loan when you have a longer loan term.

A fixed-rate loan offers the opposite terms of a variable-rate financing option. You get your interest rate calculated and showcased to you when you receive your loan offer, and your rate remains consistent throughout your loan term. This is a great option if you have a good history with a lender or a good credit score, as you can receive a low-income car loan consistently.

Other factors you have to take into consideration when calculating your interest rate are your personal creditworthiness, loan terms (whether you’re borrowing for a longer or shorter time), and lastly, the type of borrower you choose (while banks may offer lower rates on easy car loans, there may be some external conditions that need to be fulfilled). 

Do car loans require a good credit score?

While there is no set minimum credit score when you apply for easy car loans in Australia, your financial history can play a big role in regards to the options you get to pay for your vehicle.

As lenders refer to your credit value to determine the risk of providing a loan to you, a lower score might make it more difficult to get the approval you need. Additionally, they might try to reduce this risk by charging you a higher price and, in some cases, reject your application for easy car loans altogether.

With that in mind, it’s best to pre-set your expectations with regards to the credit score you currently possess. It’s also worth noting that there aren’t any no credit check car loan services, but there are platforms like MONEYME that look at more than just your credit history to determine your eligibility.

MONEYME considers other factors like your monthly income, existing debts, and other details about your financial decision to comprehensively look at your financial situation rather than just basing it on a single number. Consequently, we also offer our in-house rating system that improves after a successful loan repayment, allowing you to get better rates when you choose to partner with us.

How to get an easy car loan?

To get your easy car loans with MONEYME, you simply need to visit our website and click ‘Apply Now’. You’ll be directed to our application form that asks you for some details about yourself and your easy car loans. You can also pre-set your target loan amount and preferred repayment terms during this step.

From there, we ask you to log in to your bank account via our secure portal, which allows us to instantly verify all your information. Note that you can also opt to send this information via email, but it might take our team a longer time to evaluate and cross-check your application.

Our team then works to see if you qualify for our easy car loans, and once you do, you’ll be contacted and shown your loan contract. Once you’ve agreed to your loan’s terms and conditions through digitally signing, you can expect the funds to be transferred to your savings account of choice within minutes. 

The entire process can take as little as 60 minutes. That’s really how dedicated we are at MONEYME to providing fast and easy car loans. Start your borrowing journey with us today by browsing our website or downloading our mobile app!

Our customers

Easy Car Loans

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


Ready to get

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

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