Get Started Now

To begin your application, you'll need basic personal information such as your name, email, and home address. This short form above is the first step before you proceed to the full application where more detailed information will be required on your income and expenses.

After submitting the short form above, you will be directed to the full application process where additional details such as your employment, income, and expenses will be gathered. After that, you will be directed to our bank statement partner, illion to safely and securely retrieve your bank statements digitally.

Your application typically takes about 5 to 6 minutes to complete. You will need to provide information regarding your identity, income, employment, and expenses. We also require digital copies of your bank statements, which can be securely submitted through our trusted partner, illion.

Yes, if you need to pause filling out your application, your current progress will be saved. We will email you a link that you can use to resume your application at your convenience. This allows you to gather any additional information you may need without starting over.

To qualify for a loan with Money3, you must meet the following criteria:

• Age: Be over 18 years old.
• Residency: Be an Australian resident.
• Income: Have a take-home income (including benefits) of over $480 per week. Please note that while we consider most Centrelink payments, Newstart Allowance, Youth Allowance, Abstudy, and Austudy are not eligible as the sole source of income.
• Bank Account: Your income must be paid directly into your bank account.

Please note: We will consider¹ Centrelink^* friendly car loans, bad credit car loans, Centrelink^* friendly personal loans and bad credit loans as long as you meet the criteria above and the loan is suitable and affordable to you.

1. Subject to verification, suitability and affordability

Use one of our loan calculators to guide you on how much you can apply.

Our car loans are for values up to $2,000 and we offer unsecured personal loans amounts from $2,000 to $10,000 and secured personal amounts up to $30,000.

Once you complete the full application, we typically assess applications within 24 to 48 hours, provided we have all the details needed to make a lending decision - during regular office hours. We'll keep you updated on the status of your application via email and SMS.

If you encounter any issues while applying or have any questions, please do not hesitate to contact our customer care team via customercare@money3.com.au or call us at 1300 014 870. We're here to help!

Yes, Money3 considers applications from those who are self-employed or have non-traditional forms of income. However, applicants must demonstrate a regular income of over $480 per week to qualify. Please note, we do not consider Newstart Allowance, Youth Allowance, Abstudy, or Austudy as eligible forms of income for our loans.