Personal
loans for
kicking goals

Low rates starting from 9.19% p.a. (comparison rate from
10.58% p.a.*) with money in your bank account in as little as
60 minutes.

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

Estimate your repayments

Find out how much your repayments and interest rate could be with our calculator.

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$

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Estimated monthly repayments

$910.72

Example interest rate

9.19% p.a.

Comparison rate*

10.58% p.a.

Total charges

$1,857.28

Total repayments

$21,857.28

It won’t affect your credit score!

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Check our rates and fees

Interest rate (p.a.)

9.19

% p.a.

up to

23.99

% p.a.

Comparison rates (p.a.)*

10.58

% p.a.

up to

26.58

% p.a.
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. $495 establishment fee and $10 monthly fee applies.
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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. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. $495 establishment fee and $10 monthly fee applies.

Financing a Car Through a Dealership



Financing a car through a dealership is a great way to get the car you want without having to pay for it all upfront. You can make monthly payments, and at the end of the financing period, you will own the car outright. This can be a great option if you don’t have the cash upfront to pay for a car and a lease is not an option.

However, financing a car through a dealership can be more expensive than other options. You may end up paying more for the car overall, and you will have to pay interest on the loan. If you’re planning to finance your car purchase through select dealerships, consider MONEYME’s best car finance deals instead. We offer low interest rates, flexible repayments, and fast approvals. 

With MONEYME’s car finance offers, you can apply and be approved in minutes and receive funds from $5,000 to $50,000 on the same day you applied! You can even make extra payments to pay off your loan sooner with no fees.



How does car dealership financing work?

Financing a car through a dealership refers to the financing options offered by a dealership to secure funding for the purchase of a vehicle. Dealerships may be able to offer financing through banks, credit unions, and other financial institutions. In some cases, the dealership may also offer extended warranty coverage or other benefits as part of the financing agreement.

When you finance a car through a dealership, the dealership will work with you to determine the best financing option for your situation. The dealership will consider your credit history, employment history, and income to determine the best loan option for you.

Those who choose car dealerships that finance will have a payment plan similar to a normal car loan. This plan requires regular repayments to be made over an extended period to cover the cost of the vehicle. Most financing plans through dealerships will last between two and seven years; however, some plans may extend up to ten years. Shorter financing terms generally have lower monthly payments but may require a larger down payment upfront. Conversely, financing terms that are longer will have higher monthly payments but may need a smaller down payment. 



Why is it better to finance a car through a dealership?

Many people choose to finance their vehicles through a dealership rather than taking out a personal loan from car finance companies because of its several advantages, including the following: 



Convenience

Financing your vehicle through the dealership is a much simpler, less stressful process. Instead of doing the processing of the application yourself, the dealership will handle everything for you.



Negotiable

Dealerships have partnerships with multiple lenders, so they can shop around for the best financing offer on your behalf. If you show them that you have a loan offer from a bank or a credit union, you can ask them if they have an offer with a lower rate. Remember, however, that since the dealership is acting as the middleman, they will likely add a markup to any offer they get from the lender. 



Speed

Financing a car through a dealership is often much faster than financing through a bank or credit union. 

Dealership financing often comes with additional perks such as extended warranty options or free service contracts. However, these deals are generally only applicable if you have a perfect credit score and are planning to buy a new car. If you don't have a perfect credit history or are planning to buy a used car, then financing a car through a dealership may not be right for you.

Whether you have a perfect credit score or not, MONEYME can help you get the vehicle loan you need. We offer a wide range of personal loan options, all with low interest rates and flexible repayment terms. Plus, we have a quick and easy online application process so you can get started on your loan today.



How to finance a car through a dealership?

If you’re looking to finance a car through a dealership, the process begins with a discussion of how much you can afford to pay each month and a review of your credit score, income, and savings.



Credit score

If you’re looking to finance a car through a dealership, your credit score is going to be one of the most important factors in determining whether or not you’re approved for a loan. The higher your credit score, the better interest rate you’ll be able to get.



Income

The dealership will want to see that you have a steady income that can cover the monthly payments on the car loan. They may ask for bank statements or pay stubs to verify your income.



Savings

When you’re looking to finance a car through a dealership, the dealer will review your savings first. This will help them determine how much you can afford to put towards a down payment, as well as your monthly payments.

If the process of financing a car through a dealership sounds like it’s going to be too much work, you may want to consider other options such as MONEYME’s auto car finance offers.

MONEYME will handle all aspects of your loan. This means that we will process your application and disburse the funds to you directly. We will also work with you to structure a repayment plan that fits your budget. By financing through MONEYME, you can be sure that you are getting the best deal possible.

To apply for auto finance through MONEYME, simply fill out our online application. It only takes a few minutes, and you’ll get a decision in minutes!

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How to apply

1 Check your rate

See your interest rate and repayments in less than
5 minutes. It won’t impact your credit score!

2 Submit your application

Review your loan offer, hit 'submit application', and
we'll take care of the rest.

3 Get your funds

If approved, you can have money in your bank account
in as little as 60 minutes.

Must be Australian citizen, New Zealand citizen or permanent resident

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

Must at least be 18 years old

Bank-grade security

‘Read only' access to accounts

256-bit data encryption

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Financing a Car Through a Dealership

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