Unsecured car loan

Refinance your car and save!

Start by getting a quote and see how much you could save

Variable rate
5.99
%
p.a.
Comparison rate*
6.70
%
p.a.

No credit score impact | Am I eligible?

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Award-winning lender

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Ratings
Ratings (mobile)

Why refinance with MONEYME?

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Get a better deal

By refinancing you could get a better interest rate, lower your monthly repayments and save on overall interest costs.

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Apply online in minutes with same-day funding

Start saving on interest sooner – with your quote, approval and funds all sorted the same day.

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Variable rates that pass on the savings

Our variable rates move with the market, so as the cash rate drops and we pass on savings, your repayments can too.

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Refinance your balloon payment Info

Got a balloon payment coming up? Refinance today with flexible repayment options and no early exit fees. By the end of the loan term, you can own your car outright.

Start by getting a quote and see how
much you could save

No impact to credit score

How it works

Step 1

Step 1

Start with a quote
No credit score impact

Get a quote to find out how much you could borrow (up to $50,000) and your personalised rate. You can also view repayment options to help you budget.

Step 2

Step 2

Get conditional approval
No credit score impact

Get conditional approval by providing a few more details, like your income and expenses. No need to use the vehicle as security with our unsecured loan.

Step 3

Step 3

Same-day funding

Accept your offer and we'll complete one final review. If everything looks good, you could have the funds in your account in as little as 60 minutes (even on weekends), so you can pay out your remaining balance on your existing car loan.

Car loans built for you

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Available for all vehicle types up to $50,000

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Buy or refinance a new or used vehicle

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Unsecured loan, no collateral needed

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No balloon payment at the end Info

Find out your rate, repayments and borrowing capacity

No impact to credit score

Why our customers love us

Low rates that
beat the banks

No impact to credit score

Click here for important information on comparison rates. All rates are for variable rate loans, unless noted with an asterisk (*), which indicates a fixed rate loan. Comparison excludes short-term promotional rates. Last updated 18/06/25..

No impact to credit score

Loan terms

Loan terms

Select a term that suits you
from 3, 4, 5 or 7 years.

Our fees

Our fees

$0 early repayment fee
$10 monthly account fee

One-off establishment fee

One-off establishment fee

$0 for excellent credit history
$395 for loans up to $15,000
$495 for loans over $15,000

A different kind of lender

Quick quotes, fast approvals

Quick quotes,
fast approvals

We cut out unnecessary
paperwork and delays with
lending that's fast, simple,
and built around you.

Transparent and flexible

Transparent and
flexible

No lock in contracts, hidden
fees or surprises - just
flexible options that keep
you in control.

Real support, real fast

Real support,
real fast

Speak to a real person if you
have questions, we usually
answer calls in seconds.

For people and the planet

For people and the
planet

We care about our social and
environmental impact, and
we're proudly B Corp
Certified.

No impact to credit score

See what our customers say

Average rating: 4.6, based on 3400 reviews
Legal Seafood MoneyMe Financial Group Pty Ltd AUD 1300 090 949 media@moneyme.com.au xx
Level 7, 352 Hunter Street Sydney NSW AU 2000
4.6 review rating
Refinance car loan

No impact to credit score

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