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People’s Choice Car Loan

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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.

People’s Choice Car Loan

Get the car you’ve always dreamed of and apply for a People's Choice car loan. The convenience and style that come with owning a personal car make it easy to see why many people in Australia want to have their own. Because of the different responsibilities and daily expenses that people handle in their personal lives, however, buying a car isn’t always easy to include in one’s financial priorities. The same goes for acquiring other assets, such as homes or even going on a holiday. 

People's Choice is an Australian credit union run by members themselves, offering different kinds of loans (including vehicle loans) to help people create the life that they want. MoneyMe streamlines the process of applying for and acquiring car finance deals from People’s Choice through a convenient mobile app. Users can apply for a car loan and track the car finance loan status from anywhere in the country. 

If you’re planning to buy a car on finance because you don’t have enough savings to pay for the full amount upfront or you simply don’t want to disrupt your cash flow, then a People's Choice car loan is one of the best cheap car loans to consider. Before sending your People's Choice application, however, you will be at a greater advantage if you learn as much as you can about People’s Choice first. 

Who should apply for a People's Choice car loan?

Anyone who wants to get a car loan to buy new or used vehicles should apply for a People's Choice car loan. The primary qualifications for applying for a used or new car loan from People’s choice is that you are at least eighteen years old and can provide proof of identity and income statements. As long as you fit these qualifications, you are eligible to apply for the loan. 

Those who have other financing needs for buying a house, funding their vacation, or purchasing personal assets, for example, can also apply for other People’s Choice services such as their personal loan services, People’s Choice online banking, People’s Choice savings account, People’s Choice credit card, and People’s Choice car insurance.

What are the benefits of applying for a People's Choice car loan?

A People's Choice car loan can help you acquire the vehicle you want by financing it for you in the meantime. But that’s not all it can do, as many Australians choose People’s Choice to get their car loans for the following benefits: 

Flexible repayment options

You can choose to pay for your car loan in ways that suit your preferences best. You have the option to pay for it weekly, fortnightly, or monthly through your preferred payment method. No monthly fees are incurred on top of your loan repayments either, which is financially beneficial for you. 

Extra repayments

To settle your loan faster or lower the cost of the interests you have to pay, you can make extra repayments. This is completely optional, so it depends on when you want to make extra repayments and how much you want to pay. If you apply for the People's Choice car loan using the finance solutions we have at MoneyMe, you don’t have to pay early exit fees when you complete your repayments before the end of the loan term. 

Redraw ability 

In case you made an extra repayment for your loan but changed your mind and want to use the money for something else instead, you can redraw the minimum redraw amount from any extra payment you made online or in-branch free of charge. 

How to apply for a People's Choice car loan?

Applying for a People's Choice car loan is a straightforward process. First, you must be at least eighteen years old at the time of application. You must also be able to provide evidence that you are employed and are regularly earning by showing your payslips. You will also be required to provide proof of identity, such as your passport or driver’s license. From there, you can proceed to apply for the loan by filling out the online form or visiting one of their branches to apply for it in person. 

MoneyMe can make the process of your car loan application with People’s Choice easier and more accessible. The MoneyMe app is available on both Android and iOS devices, so you can send your application without ever having to leave home. You can also track the loan status and manage all your loans conveniently from the app. Using proprietary technology, we approve loan applications within minutes so you can get the money within the same day. You can loan any amount from $2,100 to $50,000 with MoneyMe and arrange for the loan term to be anywhere between one to five years. 

People’s Choice interest rates are lower compared to other lenders, and MoneyMe’s interest rates – which are lower than the four big banks in Australia – are at par with them. You can also enjoy flexible repayments without worrying about early exit fees when you settle your loan sooner than the loan term. To estimate the total amount you’ll owe once you get a People's Choice car loan, you can use both the People’s Choice car loan calculator and the MoneyMe loan repayment calculator.  

Car loans and personal loans applications are all made easier, faster, and more accessible with the MoneyMe mobile app! Apply for a loan and track the status whenever and wherever you are! 

Our customers

People’s Choice Car Loan

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


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

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