Personal
loans for
kicking goals

Low rates starting from 9.19% p.a. (comparison rate from
10.58% p.a.*) with money in your bank account in as little as
60 minutes.

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

Estimate your repayments

Find out how much your repayments and interest rate could be with our calculator.

Enter your loan details

$

Don’t know your score? Check for free

Estimated monthly repayments

$910.72

Example interest rate

9.19% p.a.

Comparison rate*

10.58% p.a.

Total charges

$1,857.28

Total repayments

$21,857.28

It won’t affect your credit score!

An award-winning experience

Check our rates and fees

Interest rate (p.a.)

9.19

% p.a.

up to

23.99

% p.a.

Comparison rates (p.a.)*

10.58

% p.a.

up to

26.58

% p.a.
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. $495 establishment fee and $10 monthly fee applies.
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*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. $495 establishment fee and $10 monthly fee applies.

Second-Hand Car Finance



If you’re looking to get a second-hand car financed, there’s no more need to rely on traditional and time-consuming methods like utilising a bank’s or dealership’s pre-owned auto loan. You can instead utilise a digital lending platform like MONEYME and get access to lightning-fast services, allowing you to get the money you need to fund and buy whatever vehicle you desire.

While there are many different options to finance used cars from working directly with car loan lenders or even financing a car through a dealership, they don’t offer the additional benefits and dedication to customer satisfaction like our used cars for finance service here at MONEYME. With some of the most competitive interest rates and minimal charges, we’re a great option when you want to buy a car on finance.

We’ve helped thousands of Australians get access to the funds they need to cover anything from their used car instalment and their second-hand car finances. What sets us apart is our technology-driven approach to provide a seamless experience from the application to the approval process, as well as our commitment to responsible lending. With us, there are no additional conditions or fees to pay, as we genuinely want to give our customers access to fast and efficient credit products.

Our second-hand car finance service also comes bundled with our intuitive partner mobile app, which acts as a one-stop shop for managing and keeping track of your used car dealership financing. Opt to change up your repayments to a fortnightly schedule or see your costs calculated for you as we value being transparent in every step of your time with our service.

Apply with MONEYME today and experience the best way to finance a car as we offer instant decisions and budget-friendly services! For more information, visit our website today and check out our options for used car financing and managing your monthly payment cars.



Can a second-hand car be financed?

You might be wondering if it’s possible to receive second-hand car finance, especially since the car is already pre-owned, but the good news is that you generally can borrow the money you need to fund the purchase of a second-hand car by utilising the right loan. There are several things you have to keep in mind before planning your used car loan terms and preparing your documents.

Some traditional lenders, such as banks and credit unions, may not be willing to provide a second-hand car loan especially if you have a lower credit score. They may also impose additional conditions such as giving up ownership of the asset (in your case, the car you’ve purchased) or even charge you a higher interest rate. You can also opt to take out a personal loan instead to cover the costs as you may be able to get a more favourable deal.



What are the benefits of financing a second-hand car?

You can receive several distinct benefits when you opt to apply for second-hand car finance from car loan companies like MONEYME.



Great value for money

The value you receive for your money is much greater when you utilise second-hand car finance. There are numerous models from various used car dealerships that you can compare, and you can pick the model that meets your needs. During this process, compare the quotes and choose the dealer who offers the best deal. You may also get a better price if you opt for private car finance since there are no middlemen to pay. 



Reduced insurance and registration fees

In general, car insurance rates are determined by their age. The newer the vehicle, the higher the insurance rate. By opting for second-hand car finance, you get access to lower insurance rates and only have to pay a minimal amount towards registration fees.



Better loan terms

Since used cars have a lower price tag, you will have to borrow less money on your second-hand car finance. MONEYME, for example, offers used car loans with higher borrowing amounts and competitive interest rates. Because interest rates are competitive, EMIs (equated monthly instalments) must be repaid in a lower amount. This means you can get access to a vehicle much faster than choosing to buy a completely new model.



How to finance a second-hand car?

If you’re looking for a company that provides an impressive second-hand car finance service, there’s no other place like MONEYME. We not only offer you the ability to completely own your car unlike other dealerships or banks but also provide a range of other great benefits and advantages to our customers.

You can begin your application with us by visiting our website or downloading our mobile app and pressing the ‘Apply Now’ button. From there you simply need to provide us with some personal details and some information about the loan you wish to pursue. As part of our verification process, we require you to sign in to your bank account of choice, which allows us to instantly verify the data to provide the speedy service we are known for.

What are you waiting for? Apply for our second-hand car finance service today and learn why we’re Australia’s #1 digital lending platform.

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How to apply

1 Check your rate

See your interest rate and repayments in less than
5 minutes. It won’t impact your credit score!

2 Submit your application

Review your loan offer, hit 'submit application', and
we'll take care of the rest.

3 Get your funds

If approved, you can have money in your bank account
in as little as 60 minutes.

Must be Australian citizen, New Zealand citizen or permanent resident

Earn more than $30,000 p.a. from employment

Must at least be 18 years old

Bank-grade security

‘Read only' access to accounts

256-bit data encryption

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Loans for small
and big moments

Won’t impact your credit score!
Won't impact your credit score!
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What our customers say

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Second-Hand Car Finance

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