We’ll Give You a Fair Go!
We are here to give you a fair go, even when other lenders may not.
Money3 will assess your application afresh, based on your current financial situation and affordability. Applications from people with little credit history, bad credit, on Centrelink benefits* or self-employed are also considered.
- Centrelink friendly loans*
- Bad Credit or No Credit History Considered
- Previously Bankrupt Considered
- Self-employed Considered
- Money Problems in the Past Considered
5-Star Customer Service
Money3 and its staff pride itself on its customer-centric approach.
Our friendly team is always willing to listen and help its customers, whenever possible. Our team is here to support you and is available via phone, email and chat during office hours.
- Customer Centric Company
- Good Communication at Every Step
- Contact Us via Email, Live Chat or Phone
- Fast, Friendly and Flexible Approach
- 5-Star Customer Ratings & Reviews
5-Star Customer Reviews!
Fast and Friendly Application Experience
Applying for a cash loan with Money3 is fast and simple, with most customers completing their online application between 5 and 10 minutes.
When assessing your application, we will look into your current financial situation, whether any loan is affordable and suitable and to see how we can help you best. We’ll give you a call if there are any details we need confirming and to answer any questions you may have about how it works. Personal loans for many purposes considered1 from car repairs, unexpected bills, household repairs, medical to holidays and wedding loans.
Our vehicle finance and car loans are available for many kinds of vehicles from dealerships to private sellers.
- Fast Online Application
Takes around 5 minutes on average to complete
- Automated Bank Statement Retrieval
Via our secure and trusted partner illion
- Fast Loan Approval Decisions
So you can find the right vehicle as soon as possible
- Good Communication at Every Step
Via email, SMS and phone calls
- Personal Loans Paid Direct to Your Account
After your sign your contract with us
- Secured Loans Paid Direct to The Seller
So you can pick up your vehicle quicker
- Loan Redraws Available
Depending on your repayment performance1
1. Subject to verification, suitability and affordability
Our friendly customer service team listens to your individual circumstances
We understand that you are an individual, and so, we tailor your loan to meet your needs, affordability and personal circumstances.
We're here to help along the way and answer any questions you may have about the loan process, approval or repayments. Head over to our contact us page for ways to get in touch.
Loans to Suit Your Needs
Borrowing with Money3 should be a stress-free experience, with personal loans available up to $30,000 and car loans available up to $75,0001.
Our costs and charges are available upfront, for you to review before you sign - also review your likely costs using our loan calculators. Our loan products are flexible we match repayment amounts and terms to suit your needs. Repayments are automatically set up via Direct Debit and no early repayment penalty fees to worry about.
1. Subject to verification, suitability and affordability
A Company You Can Trust
Money3 is a specialist provider of vehicle finance to credit-worthy customers who are often under serviced or excluded by traditional lenders and banks.
We've been around since 2000, and now assist thousands of Australians with car finance and personal loans each year. We believe in responsible lending and are a member of The Australian Financial Complaints Authority (AFCA), an external dispute resolution (EDR) scheme, approved by the Australian Securities and Investments Commission (ASIC).
Why Choose Money3? Here are some FAQs
Money3 specializes in helping people who might not qualify with traditional lenders. We offer flexible and quick loan approvals and a customer-first approach to meet your unique needs.
Money3 has been a trusted non-bank finance provider since 2000, known for our fair and supportive approach, especially to those ignored by traditional credit providers.
With over 2,000 5-star reviews and a 4.6 Trustpilot rating, we are committed to providing excellent service.
Our commitment to transparency ensures that all fees and charges are clearly communicated upfront, so you know exactly what to expect. Additionally, our Melbourne-based support team is dedicated to providing personalized assistance, ensuring you receive the help you need when you need it.
Learn more about Money3.
Customers choose Money3 for our flexible loan approvals, simple processes, and personalized support. We welcome applications from those with bad credit, irregular income, or Centrelink benefits.
We'll give you a fair go!
At Money3, we believe everyone deserves a chance. That’s why we focus on your current financial situation and ability to repay.
You won't be automatically declined1 by mistakes in your past, unlike many other lenders.
Yes, we could1.
We specialize in helping people who may not meet the strict criteria of banks or other lenders. If you’ve been turned down before, we’ll still take a closer look, if the loan is affordable for you.
Check out our bad credit loans, bad credit car loans and also our Centrelink friendly* loans and Centrelink friendly* car loans.
We accept applications from customers with bad credit and those receiving most Centrelink benefits. If you can afford the repayments1, we'll give you a fair go.
For car loans and vehicle finance, you could borrow1 up to $75,000, and for personal loans, up to $30,000.
With fixed rates, your repayments stay the same throughout the loan term. This makes it easier to budget and gives you peace of mind.
No, we don’t charge penalties for paying off your loan early. This means you can save on interest and pay your loan off faster.
Customers love how easy and stress-free we make the loan process. They also value our flexible options and the fact that we listen to their needs.
Check out some of our customer reviews here.
1. Subject to verification, suitability and affordability
2. Your income from Centrelink must be less than 50% of your total income in order to qualify for an unsecured personal loan up to $10,000.
Ready to Learn More?
Car Finance up to $75,000
With no deposit necessary and fast pre-approvals, you could be driving away sooner than you think. Buy a new or used car, with any credit history considered.
Vehicle Finance up to $75,000
Whether you need a vehicle for your daily commute to work or for pleasure - we will give you a fair go. Finance available for motorbikes, vans, caravans, RVs, boats or jet skis and more.
Personal Loans up to $30,000
Personal loans can cover all sorts of emergencies from car repairs to vet or medical bills, as well as the fun things in life, from holidays to wedding costs.
Car Loans on Centrelink*
Looking for car finance on Centrelink*? Everyone deserves a fair go, so we consider Centrelink payments as part of your income. No deposit necessary and fast pre-approvals.
Loans on Centrelink*
Whether you're facing unexpected expenses or planning for something special. Centrelink friendly Loans up to $30,000. We'll give you a fair go!
Loan Repayment Calculators
Whether you’re considering a vehicle or a personal loan, our calculators help you estimate your repayments and loan terms. See how different scenarios impact your weekly or monthly payments.
* Money3 is not affiliated with, or endorsed by, Services Australia, but does provide personal loan and vehicle finance options which are available to recipients of benefit payments
