Car Finance | PeopleMoney
SAME DAY APPROVALS
★★★★★ 5-star rated on Google

Car finance.
Low fees. Fast approvals. Better rates.

Looking for a better car finance deal? We'll compare our lenders for you, keep our fees low and streamline the approval. Enquiring won't touch your credit score.

Prefer to talk? Call us on 1300 889 392
No credit impact to enquire
Unlike the banks, getting a rate won't cost your credit score
Speak with an expert
Dealer or private sale. We handle both.
Easy car finance, no pressure
You're in control. Fast when you need it, no pressure when you don't

Won’t affect your credit score

How much would you like to borrow?
$
What's your employment status?
What type of employment?
What's your situation?
Which Centrelink payment?
Preferred loan term?
What’s your residency status?
Do you have a skilled migrant / working visa?
Your credit rating
Your name
Your contact details

Thank you

We’ve sent a code to your mobile to fast track your application. No credit impact.

· Having trouble?

Or wait for our call if you’d rather talk it through first.

Call 1300 889 392
Prefer to talk? Call us on 1300 889 392
No credit impact to enquire
50+ car finance lenders
Fast car finance pre-approval
Top-rated on Google
HOW TO GET A CAR ON FINANCE

How to finance a car with PeopleMoney

1
Start your car finance enquiry
Tell us roughly how much you need. We’ll take your details and start working car loan options that fit your goals.
2
We secure your best outcome
Accredited with over 50 car finance lenders. Fast track in our secure portal with no credit impact, or wait for our call for a consultation on what suits you best.
3
From approval to the keys
Once you’re approved, we handle the car finance paperwork and settlement. Smooth payment to the dealer or private seller, so you can get on the road without delay.
COMPARE RATES

Car loan interest rates from our lender panel

A snapshot of competitive from rates available through lenders we work with. As of September 2026. The rate you’re offered depends on your credit profile and circumstances.

Lender Loan amount From rate Comparison rate
Alex Bank
$10,000–$100,000 6.49% p.a. 6.90% p.a.
Firstmac
$5,000–$150,000 6.69% p.a. 7.96% p.a.
Wisr
$10,000–$150,000 6.74% p.a. 8.40% p.a.
Plenti
$5,000–$100,000 6.89% p.a. 8.44% p.a.
Bank of Queensland
$1,500–$100,000 6.95% p.a. 8.21% p.a.
Pepper Money
$5,000–$150,000 6.99% p.a. 8.33% p.a.
Branded Financial Services
$5,000–$250,000 6.99% p.a. 8.44% p.a.
Liberty Financial
$5,000–$100,000 6.99% p.a. 8.54% p.a.
Automotive Financial Services
$5,000–$130,000 6.99% p.a. 8.75% p.a.
The Asset Financier
$5,000–$250,000 7.09% p.a. 8.49% p.a.
RACV
$5,000–$150,000 7.19% p.a. 7.97% p.a.

Rates shown are indicative from rates for eligible applicants and may apply to new vehicles and specific credit profiles only. Your actual interest rate and comparison rate will depend on your circumstances, the vehicle, and the lender’s criteria. Comparison rates are calculated for a standard secured consumer loan example and may not include all fees and charges. WARNING: This comparison rate applies only to the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. Getting a quote with PeopleMoney will not impact your credit score.

WHY CHOOSE US

A better way to get car finance

There’s more to car finance than one bank’s rate. We work with you, protect your credit file from unnecessary enquiries, and aim for the best outcome across our lender panel.

Car finance experts
We find the solution that fits your desired outcome across more than 50 lenders on panel. You’re not locked into your bank’s offer. With us, you get a better rate and repayment structure.
No credit score impact
Asking your bank for a rate can hit your credit file. We don’t place credit enquiries until you’re happy with the numbers and ready to proceed.
Service without delay
Once your application's in, we'll have your options within 2 hours, and if the numbers work, same day approval.
People, not scripts
You’ll deal with an expert who knows the industry. Open, honest service, and we’re here when you need us.
Dealer and private sale
We handle the admin and arrange payment direct to the dealership. Buying privately? We’ll speak with the seller so the transaction stays smooth.
Built on repeat business
Exceptional service isn’t a slogan for us. A lot of our work is with clients who’ve been here before.
OUR PANEL

Car finance lenders we work with

Access to 50+ trusted Australian car finance lenders. We compare the market car loan options so you can finance your next car with confidence.

We partner with a broad panel of Australian lenders.

GOOGLE REVIEWS

What our customers say on Google

View all reviews on Google
WHAT YOU'LL NEED

Easy car finance starts with a few basics

Most people only need these items to get a car finance pre-approval moving. Don't have everything yet? You can still start a car finance quote and we'll guide you through the rest.

Photo ID (driver licence or passport)
Proof of income (payslips, bank statements, or tax returns)
Details of the car you're looking at (dealer or private sale)
Information about your current debts or existing car loan
Deposit amount (if you have one — not always required)
Employment details (or ABN if you're self-employed)
Self-employed? An ABN car loan path is often available — we'll match you with lenders who understand sole traders and small business income.
COMMON QUESTIONS

Car finance questions, answered

How do I finance a car — what's the best way?
The best way to finance a car is usually to compare options across multiple car finance lenders rather than accepting the first dealership or bank offer. As a car finance broker we compare the market, get you a car finance quote, and help you apply for car finance only when the numbers stack up.
How do I get a car on finance with PeopleMoney?
Start with a free car finance quote above. We'll assess car loans that fit your goals, walk you through the car finance application, and handle settlement — including when you're buying from a private seller.
What credit score is needed to buy a car?
There's no single credit score that unlocks every car loan. Mainstream lenders prefer stronger scores, while specialist lenders may still consider applications with thinner or imperfect credit. We'll be honest about what credit score is needed to buy a car with each type of lender on our panel.
Can I get bad credit car finance / bad finance car loans?
Often yes. We work with specialist car finance lenders who look at more than a score alone — income stability, deposit, and overall serviceability matter too. Bad finance car loans are never guaranteed, but we won't waste your time: we'll outline realistic options before you commit.
How do I get a car with no credit history?
Thin or no credit file is common for younger buyers and recent arrivals. Some lenders will still consider a car loan if income and living costs support the repayments. Start a quote and we'll explain how to get a car with no credit where it's genuinely possible.
Can I get car finance for a private sale?
Yes. Private sale finance is a core part of what we do. Car finance for private sale works much like a dealer deal — we arrange the loan, and in many cases can help coordinate settlement so funds go to the seller safely.
Will a car finance pre-approval affect my credit score?
Exploring options with us uses a soft enquiry that doesn't impact your credit the way a full hard application can. Only when you proceed with a formal car finance application to a lender does a hard check typically appear.
How do I get out of a car loan I already have?
If you're asking how to get out of a car loan, options can include refinancing to a better rate, selling the vehicle and clearing the balance, or restructuring if repayments have become unmanageable. We can review whether a refinance car loan makes sense — and we'll say so if it doesn't.
Can I get an ABN car loan if I'm self-employed?
Yes — many self-employed people use an ABN car loan path. Some lenders accept bank statements or BAS instead of full tax returns. If the vehicle is mainly for work, you may also want to look at business car finance or company car finance on our business vehicle page.
Do I need a deposit for a car loan?
Not always. Many people finance most or all of the purchase price. A deposit can strengthen your car finance application and may improve the rate or reduce monthly repayments.
How fast can I get approved?
Once your application's in, we'll have your options within 2 hours, and if the numbers work, same day approval, so you can lock in the car before someone else does.
Looking to finance my car — or prefer to talk it through?

Apply for car finance online in about a minute, or call our car finance brokers for a no-pressure chat.

1300 889 392