Showing results for

Private Car Finance

Personal loans for

Trusted by thousands of Australians

The Morning Show The Morning Show

Award winning lender

Award winning lender

Winner of Canstar's Innovation
Excellence Award 2022*

Winner of Canstar's Innovation Excellence Award 2022*

Estimate your

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.

Private Car Finance

When you try out our private car finance, more great-value choices will be available. This is because you won’t be limited to the established dealerships in Australia anymore. Instead of buying vehicles from companies that generally hike their prices up, you can search for a more personalised deal that lets you save a substantial amount of money. 

At MONEYME, we recognise that not everyone has the same financial status, and as such, we are here to offer cheap car loans to all those who need them. Through these loans, our clients can buy just about any type of vehicle through the fast cash we transfer into their bank accounts. 

Whether you’re looking to purchase a pre-loved SUV for your growing family or a barely used luxury sportscar for relaxing Sunday afternoon drives – MONEYME certainly has the right credit products for your specific situation. To utilise our premium service, simply answer our short application form and potentially get approved for a loan amount of $5,000 to $50,000 within minutes. 

Applying with MONEYME means you’ll receive favourable terms along with exclusive benefits. Continue reading and find out more about our private sale car finance process.

How does private car finance work? 

The private car finance at MONEYME starts with you wanting to secure an offer from a personal broker or maybe from a local vehicle enthusiast who runs a small but reliable dealership. Since these sources don’t provide a private lender car loan, it’s our mission to supply you with the credit to complete the transaction. 

In essence, all you have to do is fill up our 100% online application to see if you’re fit for our auto financing. Then, if you qualify, we will send you the funds that you can use to buy a brand-new or pre-owned car and make hassle-free repayments through our advanced system. 

100% online application 

Tired after making a vehicle inspection? Not to worry, our private car finance makes it incredibly easy for you to get same-day funds. 

Gone are the days when you would have to visit physical locations just to get a cash car loan. With the intuitive MONEYME mobile phone app, you can just tap on your screen a few times and be finished with the whole application. Here, there’ll be no waiting in line, signing stacks of paperwork, and submitting physical documents. Simply load up our platform and manage everything in any remote location.

Hassle-free repayments

Once you’re done buying the vehicle of your dreams, rest assured that you won’t even have to lift a finger to make car payments

Our team of experts automatically schedules your direct debit day with the salary cycle you have at work. This means that you can just leave your income in your bank account and we’ll conveniently deduct the monthly fees for you. Additionally, without imposing any penalties, we let you pay for your outstanding balance in advance if you want to make an early exit. 

Apply online now at MONEYME and experience this streamlined process whenever you take out a private party auto loan from us. 

What documents do I require for private car finance? 

Unlike traditional lenders that provide private car finance, we won’t make you submit a credit insurance letter or a trade-in certificate. When applying for our auto loan offers, you’ll only need to present documents that show personal identification, financial information, and vehicle details. 

  • Personal identification = Driver’s license or any other valid ID
  • Financial information = Most up-to-date bank statements (transactions from the past 90 days)
  • Vehicle details = Cost of the specific model, VIN, and registration number

With all these requirements present, we’ll provide you with car loans even if you don't have the best credit score

Instead of making a private car finance decision that’s solely based on your numerical rating, we check for factors like sources of income, overall living expenses, and obligations from debt. This will let us see if you can realistically afford our sizable loan amount of $5,000 to $50,000 and competitive interest rate of 6.25% p.a. to 19.95% p.a.

Try out the private car loan offers at MONEYME and experience the same security technology used by the top four banks in Australia. Submit your documents now and know that our encryption system will protect you from data breaches. 

How to apply for private car finance in Australia?

As long as you are an Australian resident, age 18 or older, and generating income, you can apply for our private car finance by following the guide below. 

  1. Download our mobile app and open up our short application form. In the first part, simply tell us your preferred loan amount and repayment term.
  2. For the borrowing section, proceed by typing down your personal details, including your given name, email address, and date of birth. 
  3. Review all the details and submit your request for assessment. If you qualify, you will receive an approval notification through email and your desired funds through bank transfer.

With such a simple application process, you can see why we have some of the best cars for sale finance in the country. Join MONEYME today and get private finance for car deals!

Our customers

Private 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

View more

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!

Personal Loans are running hot!

55 people in the last 24 hours have applied

Freestyle is running hot!

55 people in the last 24 hours have applied

Debt Consolidation is running hot!

55 people in the last 24 hours have applied