Latest Money3 Vehicle Loan Reviews
Vehicle Finance with Money3
Money3 will give your application for vehicle finance a fair go, even if you have been knocked back by other lenders.
Even if you are on Centrelink benefits* or have had credit problems in the past, Money3 may still be able to offer you vehicle finance1. Our vehicle loans are available from $2,000 up to $75,000.
As responsible lenders, we will review your current financial situation and affordability when reviewing your application for pre-approval.
You Must:
- Be Over 18 Years Old
- Have Take Home Income or Benefits over $480 a Week1
- Be an Australian Resident
- Get Your Income Paid into Your Bank Account
- Be Employed or Receiving Centrelink payments1
1. Subject to verification, suitability and affordability
* 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
Complete your vehicle loan application stress-free with Money3.
Get the money you need, when you need it. With our vehicle loan applications, you’re in the driver’s seat from the start.
- Apply for your loan online
Generally, your loan application process can be completed within 5 to 10 minutes - wherever you are!
- We’ll take a look and get in touch
If you meet our lending criteria and have been pre-approved, we'll set up your account and calculate your personalised interest rate and monthly repayments.
- Drive away
Once you’ve decided on a vehicle and accepted our formal offer, we will make payment to the vendor on your behalf.
We’ll step in and organise your purchase. If all goes smoothly, you could be back on the road in under 48 hours.
1. Subject to verification, suitability and affordability
Auto & Vehicle Types
Money3 will consider most vehicle types from cars to caravans to motorbikes. Get started by selecting the type of vehicle you are looking for - it doesn't matter if the vehicle type doesn't fit our list exactly - it will give us an idea of what you are looking to finance when we review your application.
Alternatively, apply now to get started, and we'll get back to you with your pre-approval1 decision as soon as we can.
1. Subject to verification, suitability and affordability
Empowering drivers with affordable car finance.
Apply in minutes
We've streamlined our finance process with easy upload options for your bank account statements.
Get up to $75,000*
We'll help you weigh up different finance options and manage your monthly repayments, to work best for you.
Drive away in 48 hrs
Once you meet our approval criteria, been approved and found the right vehicle. We can handle your purchase to get you behind the wheel faster.
Example Vehicle Finance Costs Chart
| Borrow | Costs | Repay |
|---|---|---|
| $5,000 | $1,909 | $6,909 |
| 24 months at 13.95% APR & 34.16% Comparison Rate | ||
| $10,000 | $6,925 | $16,925 |
| 48 months at 13.95% APR & 29.11% Comparison Rate | ||
| $25,000 | $14,850 | $39,850 |
| 60 months at 13.95% APR & 20.38% Comparison Rate | ||
| $50,000 | $30,285 | $80,285 |
| 72 months at 13.95% APR & 17.23% Comparison Rate | ||
| $75,000 | $42,219 | $117,219 |
| 72 months at 13.95% APR & 16.15% Comparison Rate | ||
EXAMPLE: A platinum secured personal loan of $5,000 for 24 months has fees and charges totalling $1,909.35 and a total repayment of $6,909.35. The Minimum loan term is 24 months and the Maximum term 24 months. The loan term will be 24 months, 52 fortnights or 104 weeks. The Maximum APR is 13.95%. The Comparison Rate, based on a loan of $5,000 over two years, is 34.16%.
EXAMPLE: A platinum secured personal loan of $25,000 for 60 months has fees and charges totalling $14,850.43 and a total repayment of $39,850.43. The Minimum loan term is 24 months and the Maximum term 60 months. The term will be 60 months if you repay monthly, 130 fortnights or 260 weeks. The Maximum APR is 13.95%. The Comparison Rate, based on a loan of $25,000 over five years, is 20.38%.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Please Note: Advertised costs and repayments have been rounded up to the nearest dollar amount, so costs may be slightly cheaper in most cases. Australian Credit Licence 389067.
Vehicle Loans FAQs
How much you could afford to borrow will be based on the loans' affordability. That is, how much you can afford to safely repay, each week, fortnight or month, without difficulty.
As responsible lenders, we will assess your affordability as part of your application. However, you can use our vehicle finance calculator, which will give you an estimate of the loan repayments, relative to the amount you wish to borrow.
Yes you can1. It is possible to part or fully finance your vehicle with Money3. Having a deposit saved up, can help you afford a higher priced vehicle, giving you more options.
While car finance is the most popular choice, we can finance all kinds of vehicles from new and used cars, to motorbikes, caravans, motorhomes and boats and jet skis, among other vehicles.
After your loan has been submitted and you get1 your pre-approval. You will be able to choose a vehicle of your choice, up to the amount you have been pre-approved for. This could be from a dealership or private vendor - it's up to you.
This is up to you. If you have already found the right vehicle, we'll work with you to get your finance across the line ASAP1, so you don't lose it. If you want to know how much you could afford to spend on a new vehicle before you start searching for vehicles, then we can help here too.
Just apply for pre-approval, and we'll let you know how much you could afford to borrow. This will help you when you are ready to start looking for vehicles.
Both dealerships and private sales are accepted. So you could get your loan approved for a new or used vehicle - it's up to you.
Yes1, the amount you can borrow is based on your affordability. Money3 is not affiliated with, or endorsed by, Services Australia. However, we do offer car loans for Centrelink customers*.
Yes, it is possible1. We look more at your current financial situation, rather than problems you may have had in the past.
Check out our bad credit car loans page, although we mention cars, other vehicles are also covered.
1. Subject to verification, suitability and affordability
* 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
More Vehicle Finance Options
Car Loans
Car loans available up to $75,000, whatever you need it for. Used or new vehicles considered, and we'll give you a fair go!
Motorbikes
Whether you are looking for your first bike or an upgrade, new or used from a private seller or dealership - get motorbike finance up to $75,000.
Caravan Finance
With finance available up to $75,000 for both new or used caravans, campervans or motorhomes, you could soon be going places!
Boat Finance
Whether it is a speed boat, jet ski, fishing boat or sailing yacht, Money3 could help with your boat finance up to a maximum of $75,000.
Car Loans on Centrelink *
With Money3, we will give you a fair go - we will take your income from Centrelink into account, when assessing your loan to make sure it is affordable for you.
Bad Credit Car Loans
We'll give you a fair go, even if you've experienced credit problems in the past - with car loans available up to $75,000.
* 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
