Car Loan

Get behind the wheel with MONEYME Car Finance. We finance new and quality used vehicles with competitive rates and flexible terms.

### Eligibility Criteria

✓ **Age:** 18 years or older

✓ **Residency:** Australian citizen or permanent resident

✓ **Income:** Regular income of at least $30,000 per year

✓ **License:** Valid Australian driver's license

✓ **Insurance:** Comprehensive insurance required

### Vehicle Requirements

✓ **Vehicle Age:** Maximum 12 years old at loan maturity

✓ **Vehicle Type:** Cars, SUVs, utes, motorcycles

✓ **Condition:** Roadworthy and meet Australian safety standards

❌ **Not Financed:**

- Vehicles over 12 years old

- Grey imports

- Rebuilt write-offs

- Modified vehicles (without approval)

### Loan Features

**Loan Amount:** $5,000 - $75,000

**Loan Term:** 12 to 84 months (up to 7 years)

**Interest Rate:** Starting from 7.9% p.a. (comparison rate 9.1% p.a.)

**Establishment Fee:** $0 - $990

**Deposit Required:** Minimum 10% (recommended 20% for best rates)

### Interest Rate Ranges

- **New vehicles (0-2 years):** 7.9% - 12.9% p.a.

- **Used vehicles (3-7 years):** 9.9% - 16.9% p.a.

- **Older vehicles (8-12 years):** 12.9% - 19.9% p.a.

*Rates depend on vehicle age, credit score, and loan term.*

### What You Can Finance

✓ Vehicle purchase price

✓ Dealer delivery fees

✓ Registration transfer costs

✓ Stamp duty

❌ NOT Included:

- Ongoing insurance premiums

- Fuel and maintenance

- Accessories added after purchase

### Common Questions

**Q: Can I finance a private sale?**

A: Yes! We finance both dealer and private sales.

**Q: Do I need a deposit?**

A: A minimum 10% deposit is required, but 20%+ may secure you a better rate.

**Q: What if the car is older than 12 years when I finish paying?**

A: The vehicle must be under 12 years old at the END of your loan term, not at purchase.