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Car Loans

At CarMoney, we genuinely believe that everyone deserves to have access to a car if they need or want one.

That’s why we are 100% committed to finding the right car loan for you, and we promise no hidden fees, no sneakiness, no fuss.
Got bad credit? No worries, check out your options from lenders who specialise in helping people in similar situations to get car finance.
Want to see if you can get a better car finance rates through refinancing your car loan? Our Car Loan Refinance page runs through some options and provides all the information you need to get started.
Thinking about getting an electric vehicle and looking for the best deal? We’ll find the right car finance for you.
Ever thought about a car lease? We explain the whole process on our Car Leasing page so you’ll know if it’s right for you.
Why not check out our car loan calculator? It will calculate your car loan repayments in just a few seconds.

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Used Car Loans

Buying a used car on loan is a very exciting time and the options can seem endless, especially in the used car market. A used car loan is basically where a financier lends the customer however much money to buy a used car, and the customer pays it back with interest over a pre-agreed timeline.

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New Car Loans

Desperate to get that new car feel? Want to road trip around the beautiful continent that is Australia? When looking to buy a new car on finance, we have financial solutions for you. With our network of lenders and our team of expert financial advisors, we can help tailor a new car loan to meet your needs.

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Unsecured Car Loans

It is a type of loan for consumers, a personal loan for buying a car. Since the vehicle is not a security for the lender, it takes a higher risk, usually resulting in a higher interest rate than a secured car loan. Unsecured car loans can finance both new and used cars.

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Bad Credit Car Loans

At CarMoney, we firmly believe that everyone who wants or needs a car, should be able to access one. We also believe that everyone deserves a second chance. We get it, life happens! Sometimes it’s our own fault, sometimes it’s not. But bad credit (or a low credit rating) shouldn’t stop you moving forward… and with CarMoney, bad credit won’t stop you getting a car loan.

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Car Loan Refinance

Refinancing a car loan means replacing an existing car loan with a new agreement so the old loan is paid out and you start a new loan contract. There are many reasons why you may decide to refinance your car loan, but many people start to explore new loan options (sometimes with different lenders), when there is a change in their personal or financial situation.

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Electric Car Loan

So, you’re thinking of making the switch to an electric car or upgrading your current one? Good for you! Electric cars are quieter and have lower emissions than those powered by fossil fuels meaning they are better for the environment. Plus, if we may say so, nowadays they look pretty snazzy – welcome to the future!

Read More

Used Car Loans

Buying a used car on loan is a very exciting time and the options can seem endless, especially in the used car market. A used car loan is basically where a financier lends the customer however much money to buy a used car, and the customer pays it back with interest over a pre-agreed timeline.

Read More

New Car Loans

Desperate to get that new car feel? Want to road trip around the beautiful continent that is Australia? When looking to buy a new car on finance, we have financial solutions for you. With our network of lenders and our team of expert financial advisors, we can help tailor a new car loan to meet your needs.

Read More

Unsecured Car Loans

It is a type of loan for consumers, a personal loan for buying a car. Since the vehicle is not a security for the lender, it takes a higher risk, usually resulting in a higher interest rate than a secured car loan. Unsecured car loans can finance both new and used cars.

Read More

Bad Credit Car Loans

At CarMoney, we firmly believe that everyone who wants or needs a car, should be able to access one. We also believe that everyone deserves a second chance. We get it, life happens! Sometimes it’s our own fault, sometimes it’s not. But bad credit (or a low credit rating) shouldn’t stop you moving forward… and with CarMoney, bad credit won’t stop you getting a car loan.

Read More

Car Loan Refinance

Refinancing a car loan means replacing an existing car loan with a new agreement so the old loan is paid out and you start a new loan contract. There are many reasons why you may decide to refinance your car loan, but many people start to explore new loan options (sometimes with different lenders), when there is a change in their personal or financial situation.

Read More

Electric Car Loan

So, you’re thinking of making the switch to an electric car or upgrading your current one? Good for you! Electric cars are quieter and have lower emissions than those powered by fossil fuels meaning they are better for the environment. Plus, if we may say so, nowadays they look pretty snazzy – welcome to the future!

Read More

So, who are we and why can you trust us?

How we can help you

Based in Australia, we are a group of independent brokers (sorry, “finance ninjas”) who provide 100% independent support in finding the right car loan for your circumstances.

How does it work?

We’ll scan the offers from more than 30 reputable Australian lenders to find the best option for your needs and circumstances and then help tailor loan packages to suit.
Our dedicated account managers are supportive and will guide you through from start to finish.

We are proud to be 100% transparent on our fees and we offer financing for all vehicle types.

Nikki here doesn’t mess about.

He’s focused on being a latter-day ninja. Well, with an outfit like that, he was never going to make it as a geography teacher.
He’s not an assassin exactly. (We haven’t employed one of those in years!). No, but he’s hell-bent on whittling car finance rates down to the bare minimum for you.

Free concierge service

Not found a car yet or struggling to find one? Not to worry, just let your ninja know what sort of car you are looking for, and they’ll pull some options for you!

Nikki the ninja

Easy loans

Getting a loan has never been easier than now with CarMoney. In a few steps, we can find the tailored Leisure Vehicle Loan that suits your needs and circumstances.

Extra Support

At CarMoney, our Ninjas work to find the right solution for you. We can help with the loan and the vehicle if you are unsure or have lost an opportunity.

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At CarMoney, we make getting a car loan, simple.

How simple? So simple we can summarise it in 4 steps:

  1. Apply online or, if you prefer, you can chat to our car loan brokers over the phone. Either way, we’ll gather the information we need to find the right lender for you, in just a few minutes.
  2. Tell us about the vehicle you’re interested in. If you’re undecided or not sure what you can afford, our finance ninjas can help with that too!
  3. We’ll crunch the numbers and compare loans from over 30 lenders in Australia and within an hour, you’ll have a list of the best car finance options to suit your needs.
  4. Once you choose your lender, confirm the agreement and your monthly repayment plan, simply sign the relevant documents and go get your new car!
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Why to choose CarMoney in general or for the specific Product/Service

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We make finance simple

Nikki the ninja

Only safe & trusted lenders

Online quick & easy process

Flexible options

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FAQs

A loan pre-approval is a preliminary acceptance of a finance proposal, not an unconditional offer of a loan. A pre-approval becoming an unconditional offer of a loan is subject to the broker carrying out reasonable steps in providing the lender with verification, confirming the application details are indeed as provided in the proposal.

The best way to apply for a loan is to contact an expert finance broker like CarMoney, who works for you to ensure you are offered the best available loan across a large panel of lenders and that it is not unsuitable for you

Yes, you can although some lenders may apply an early exit fee.

Yes, there are many reasons why you might decide to refinance a loan.

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