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Guaranteed Financing

Personal loans for

Trusted by thousands of Australians

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Award winning lender

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Excellence Award 2022*

Winner of Canstar's Innovation Excellence Award 2022*

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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.

Guaranteed Financing

There is no such thing as guaranteed financing because credit institutions are legally bound to lend only what consumers can realistically afford to repay. However, you are not out of luck if you don't have great credit, as there are alternative lenders that look beyond your credit score to assess your eligibility for a personal car loan

MONEYME is among the most prominent online money lenders in Australia. Take advantage of our fast digital application system to send a loan request and collect the funds on the same day! 

How does guaranteed financing work?

The Australian Securities and Investments Commission mandates credit licensees to comply with the responsible lending conduct obligations in the National Credit Act. This measure intends to prevent the danger of guaranteed financing – putting consumers at risk of getting into monetary trouble when they incur debt beyond their financial capacity. It stipulates that credit licensees must not enter into a credit contract with a consumer, suggest a credit contract to a consumer, or assist a consumer to apply for a credit contract if the credit contract is unsuitable for the consumer. That is why it is crucial that you work with a reputable lender when taking out an auto loan.

MONEYME takes every precaution necessary to protect your finances. We assess every loan application in detail to ensure we only lend you what you can afford to repay based on your latest bank statements. 

While we do not grant guaranteed financing, you are free to apply, even if you don't have the best credit score, since we consider factors other than your rating. So long as you earn a regular income and meet the other basic requirements, you could qualify for a small loan amount. If you meet your regular repayments this could help you build your credit score over time. 

What are the benefits of guaranteed financing?

The concept of guaranteed financing enables consumers with less-than-ideal credit to get an otherwise inaccessible loan, but it can also land them in a worse financial situation if they bite off more than they can chew. That is why there are regulatory measures in place to protect borrowers and prevent negligent lending.

Traditional Auto Loans

It can take you several days to get approved for an auto car loan at a traditional lending institution, depending on several factors that include documentation, credit history, and identity verification. This process can take even longer if you don't have a stellar credit history since you may also have to present additional paperwork to substantiate your financial capacity. 

MONEYME eliminates the hurdles and cuts the waiting time of conventional loan applications with our entirely digital system. This innovative technology puts us in a position to assess and approve loan requests quickly and efficiently without compromising your privacy and security. It takes mere minutes to complete our application process using only your computer or mobile device, and we can have the money sent to your bank account just hours later!

The most substantial benefit of taking out a loan from a responsible lender, aside from obtaining financing, is that it lets you improve your credit score as long as you stay on top of your repayment obligations. You can then take advantage of the higher rating to qualify for more significant loan amounts. 

MONEYME grants unsecured car loans that hinge on your ability to repay debt instead of requiring the vehicle as collateral. That means you are not at risk of losing the car even if you default on the loan.

How to get guaranteed financing in Australia?

MONEYME is known as one of the best alternative options to traditional lending institutions in Australia. The innovative personal loan request system we use means that you no longer have to deal with the endless paperwork typical of conventional loan applications. You just have to fill out a simple online form and grant us read-only access to your most recent bank statements for the verification of your financial standing. We also protect our website using high-grade encryption technology to keep your information safe and secure. If you have questions or concerns about our services, we have a team of customer support professionals who are ready to assist you at any point throughout the loan application process. 

MONEYME boasts an intuitive online dashboard that lets you manage your loans in one convenient platform. You can use it to keep track of your car payments and other debt obligations. It is also worth noting that we impose variable interest rates and fees on both a new car loan and a used car loan

We recommend checking out our personal loan calculator to get repayment estimates for different interest rates and loan terms. It helps determine terms and conditions that suit your financial capacity. This transparency enables you to stick to your budget and avoid unnecessary spending.

MONEYME strives to protect your financial interests in line with our commitment to responsible and transparent lending. We exercise due diligence when designing loan agreements to ensure financial stability for our customers, so you can rest assured that we will never lend you more than you can realistically afford to repay. So take advantage of our speedy loan request system and apply now!

Our customers

Guaranteed Financing

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


Ready to get

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

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