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Pre-approved Car Finance

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Example interest rate

9.20 %

Comparison rate*

10.58 %

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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.

Pre-Approved Car Finance

If you’re on the hunt for a car and are planning to get it using a car loan, securing pre-approved car finance for that loan could help you speed up the process. Once you’ve decided on your car type and model, your chosen lender can help you get pre-approval on your finance whether you are purchasing through a registered dealer or a private seller. 

At MONEYME, we can be your partner for getting pre-approved car finance. MONEYME is one of the leading online lenders in Australia that offers fast and easy credit products such as personal car loans and lines of credit. In as fast as a few minutes, your online application can be approved if requirements are well provided upon filling out the form. 

What does pre-approved car finance mean?

Pre-approved car finance is a conditionally approved car loan given to you by a lender with estimated terms like the amount of money you can borrow, the interest rate, and the loan term that enables you to purchase the car of your choice much sooner. This loan quote makes the estimation of the total cost of the loan easier and allows you to identify your budget before you start shopping.

If you get pre-approved, you can explore other options aside from dealer financing. This could give you greater negotiating power at the dealership and could lessen the burden of the entire auto financing process. 

With MONEYME, we can assure you that getting pre-approved car finance is key in securing our best car loans such as our unsecured car loans that can get you behind the wheels faster. You can also enjoy our other loans available with our fast online approvals and quick cash transfers for balances up to $50,000. 

What are the benefits of getting pre-approved for car finance?

Before you go car shopping, make time to get pre-approved car finance. While it will help you negotiate to get the best interest rate possible, it will also help you unlock the best pre-approved car loan for your financial needs. 

If you aren’t convinced yet, here are some of the reasons why you should get pre-approved car finance:

Get an idea of how much you can borrow 

Getting pre-approved car finance is key in setting realistic expectations about the budget you need whether a new car loan or used car finance. Once you apply for a pre-approval car loan and get approved, the lender will easily issue a quote containing the funds to borrow, the specific car, title, interest, and other additional fees and conditions. 

You’ll have greater negotiating power

Another advantage of getting pre-approved car finance is it gives you greater power during the negotiation process of the loan, especially with the price and the fees associated with it. Now, having the same privileges as a cash buyer, pre-approved car finance also gives you the freedom to shop around and select your best car choice among many car dealers in the market.

Get the best interest rate you qualify for

Fortunately, you can also use your pre-approval as a way to deflect add-ons like interest and extended warranty offers that are unnecessary. 

How to get pre-approved for car finance?

After learning the benefits of having pre-approved car finance, the next on the list is to finally determine the steps to be successfully granted pre-approved car finance.

To get started, take a look at our suggestions below: 

Check your credit

In every car loan application, a credit score or history is mostly required and is a deciding factor for lenders if they will grant you a loan or otherwise. To help ensure there are no surprises during your credit check, make sure to review your credit reports before going to the lender and check the accuracy of all the information being reflected.

Gather the necessary documents

Preparing all the documents needed for pre-approved car finance will help you achieve a smooth loan application process. Here are the basic requirements that most lenders verify during a car loan application:

  • Driver’s license, state ID, or military ID
  • Employment status
  • Income

Shop around and find the best deal

Once you’ve received the pre-approval for your car loan, you can take the best car finance offer from your chosen lender and start shopping. Then, after finding the car you’d like to purchase, you can finally submit your formal loan application with the bank or online lender that includes specific details about your car such as the year, model, mileage, and VIN. 

The only reminder is not to wait too long as pre-approvals are typically valid only from 30 to 60 days. 

Are you ready to start your journey? Let’s make it happen with MONEYME. Freestyle customers at MONEYME enjoy up to $20,000 in pre-approved credit funds and pay interest only on the borrowed amount. 

We also have a variety of loan options that may be suitable for any of your financial needs. From personal loans to lines of credit, you can equally enjoy flexible repayments with no early-exit fees backed by low interest rates from any of our offers. 

To know more about MONEYME, install our mobile app or visit our website today.

Our customers

Pre-approved Car Finance

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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