1300Carmoney works towards a pre-approval process. It doesn't cost you anything or commit you to anything. Instead, it lets you know what options are available to you to help you get your vehicle's finances.

The amount that you can borrow depends on a number of factors including your income, expenses, current assets, employment status, credit profile and the loan type (secured or unsecured). During our application process, our finance specialists will work with you to understand your particular circumstances and aim to get a finance pre-approval for you for the amount you need.

All you need to get started with an application is: i). Your Driver's License ii). Two Most Recent Pay slips. Your Finance Specialist will then let you know what specific information is needed for your application.

Your loan repayment will be dependent on a number of variables such as your individual circumstances, financial needs, and credit profile. You can use our online Loan Calculators to give you an idea on your repayments. Please remember that the loan calculator is a guide only, and your rates and term of repayment may differ depending on the lender.

A ‘proof of residence’ is a legal document that states your current residential address in Australia. Some examples include a rental lease agreement, a utility bill or a council rates notice. A ‘proof of residence’ is required by lenders to verify where you live.

We offer fixed rate loans. We work closely with our lenders to ensure you are granted the lowest total cost of the loan through fixed rates, fees and charges.