RESPONSE WITHIN MINUTES
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Car finance that helps you get on the road

Looking for the best way to finance a car? PeopleMoney is a car finance broker — not a single bank. We compare the market across 50+ car finance lenders so you can apply for car finance with confidence, whether you need a personal car loan, private sale finance, or a quick car finance quote.

No credit impact just for exploring
Get a car finance pre-approval style quote without a hard hit
Speak with a real car finance specialist
We handle your car finance application end to end
Easy car finance — no pressure
Only move forward if the numbers work for you
Get your free car finance quote
$

Minimum $5,000 · This won't affect your credit score

10-digit Australian mobile

Continues to your secure car finance application. Takes about a minute.
Soft check · no hard hit to explore
50+ car finance lenders
Fast car finance pre-approval
5-star rated car finance company
HOW TO GET A CAR ON FINANCE

How to finance a car with PeopleMoney

Simple steps to apply for car finance — whether you're shopping at a dealer, buying privately, or still comparing cars.

1
Start your car finance quote
Tell us roughly how much you need. We'll open a secure car finance application and compare the market for personal car loans that fit your goals.
2
We match you with lenders
Most people see initial options within minutes. As your car finance broker, we shop 50+ lenders for the best car finance we can find for you.
3
We settle and you drive
Choose an offer, we handle paperwork and settlement — including car finance for private sale when you're buying from a private seller.
WHY CHOOSE US

Best car finance comes from comparing the market

A single bank only shows you their car loan. We act as your car finance broker so you can compare the market car loan options side by side.

50+ car finance lenders
We compare the market so you're not locked to one car finance company. More choice usually means a better rate and repayment structure.
Explore without a hard hit
See what car finance options may be open to you before a full application lands on your credit file.
Fast car finance pre-approval
Most people get initial offers within minutes. Straightforward personal car loans are often same-day.
Real brokers, not a call centre script
You'll deal with experienced specialists who know how to get a car on finance — and when to say an option isn't right.
Private sale finance included
Dealer or private sale — we arrange car finance for private sale and for vehicles up to around 20 years old with many lenders.
We run the car finance application
From quote to settlement we take care of the admin so financing your car feels easy, not like a second job.
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

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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 personal 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 personal 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?
Most car finance applications receive initial offers within minutes. Straightforward cases are often approved the same day 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
Mon–Fri 8am–6pm AEST • Average answer time under 20 seconds