How it Works

Money3 is an Australian finance company that has been providing loans since 2000. The company offers a range of financial solutions, including car loans, vehicle finance and personal loans, designed to help individuals who may not qualify for loans with traditional lenders.

Yes, Money3 is a licensed lender and holds an Australian Credit Licence (389067), which allows them to operate legally under Australian law and offer financial services to customers across the country.

Money3 offers a range of loans, vehicle finance for cars, motorbikes, caravans, boats, and more, as well as personal loans and cash loans for expenses like car repairs, medical bills, and home improvements.

Money3 specialises in providing loans to customers who may be overlooked by traditional lenders, including those with bad credit, irregular income, or Centrelink benefits. The company prides itself on offering a fair go to customers who might have unique financial situations.

Yes¹, Money3 considers loan applications from customers with bad credit. The approval process is based on a broader assessment of your financial situation, including your current income and expenses.

Yes, Money3 offers loans to customers receiving most types of Centrelink benefits, such as the Aged Pension, Disability Support Pension, and Single Parent Payment - see Centrelink Loans*. However, certain benefits like Newstart Allowance and Youth Allowance cannot be your sole source of income.

Most applications are completed entirely online, with your bank statements securely processed via illion and no physical documents necessary.

In some cases, we may request extra documentation, like ID or proof of residency, but we’ll let you know if needed.

Money3 will review your self-employed income by looking at your recent bank statements and any other financial information you provide to ensure you meet the income requirements for loan approval.

Yes¹, Money3 can consider applications from customers with irregular or multiple income sources, including part-time work or freelance income. The total amount of income and its consistency over time will be taken into account during the assessment.

Check out our personal loan calculator or another loan calculator tool to get an idea of how much you could afford.

Money3 offers finance for a variety of vehicles, including cars, motorbikes, caravans, campervans, RVs, trailers, boats and jetskis, vans, trucks, and even tractors.

Yes, Money3 offers finance for both new and used cars, as long as the vehicle meets the eligibility criteria for finance.

Yes, Money3 allows you to pay off your vehicle finance loan early without any penalties. This gives you the flexibility to settle your loan ahead of time if you wish.

The approval process for vehicle finance usually takes between 24 to 48 hours, provided all required information and documents are submitted accurately.

Personal loans from Money3 can be used for various expenses, including car repairs, medical bills, home improvements, emergencies, holidays, weddings, and more.

The loan application process typically takes between 24 to 48 hours, depending on the accuracy of the information provided and whether all necessary documents are submitted.

Money3 assesses your loan application by reviewing your income, expenses, bank statements and overall financial situation to determine if you can comfortably manage the loan repayments.

After receiving pre-approval, you can proceed with selecting your vehicle. Once you’ve chosen a vehicle and signed the loan agreement, Money3 will finalise the loan, and payment will be made directly to the seller.