We're a finance brokerage that matches consumers with lenders. In plain English, that means we help you navigate the long list of lenders so that you can find the best rate for any occasion based on your personal situation.

We work with lenders all day every day, so you don’t have to. This means we can give you personalised rates from multiple lenders all in one place. It also means no threat of hidden fees or an interest rate that changes just before you sign the contract.

Whether you need a new set of wheels, financing for large expenses, or fund for a trip around the world, MotivMoney can help.

From commercial equipment and trucks to camper vans and motorbikes, our diverse lender panel can service a huge range of automotive needs.

Need to cover other large expenses? MotivMoney's personal loans provide flexibility, allowing you to obtain funds for every occasion, from debt consolidation and medical expenses to holidays and home renovations.

No matter what you need the loan for, MotivMoney simplifies the process and ensures you get the best deal.

Absolutely! Our extensive panel of lenders covers both dealership and private sales. As well as new and used vehicles. Whether it's vintage, used, or new - we can help!

Yes — we work with lenders who offer options for different financial situations. If you are 2 years ABN registered lenders will often lend without having to see financials, which makes for a quick and easy application! In saying that if you have not been active for that long it doesn't mean you cannot get financing, it just means we may need to provide some extra documents to the lender.

When you’re ready to submit a loan application for approval, you’ll typically need your driver’s licence and two most recent payslips if your a PAYG employee. Some lenders also require your last 3 months of bank statements, but with the MotivMoney, you can retrieve these digitally through our secure platform. In some cases, we may ask for additional documents, but we’ll keep you informed about what we need and why.

Once approved, if you’re applying for a vehicle loan, all we need is the vehicle sales invoice and proof of comprehensive insurance.

For unsecured personal loans, the process is even easier. After approval, you’ll receive digital contracts for electronic signing, and funds will typically be transferred the same day.

Yes, you can get your loan ‘pre-approved’ even if you haven’t chosen your car yet. However, you should take note that the interest rate will be affected by the age of the vehicle you eventually select. When you seek pre-approval, we’ll estimate based on the most likely vehicle age and price range you’re considering.

You can always adjust the vehicle details or loan amount later in the process, and getting pre-approval doesn’t commit you to anything.

We sure can! Simply tell us the car you want and we will connect you with your personal car buyer who does all the heavy lifting for you, saving you time and money!

If you’re after a new car, we’ll tender out the process to our network of 2000+ new car dealers. This helps us access discounts and find the best deal for you! When it comes to finding used cars at great prices, we’re the experts. We fight hard to get the best price available from our contacts Australia-wide.

We’re with you from start to finish, securing the purchase and sorting out registration, stamp duty and more. No running around, no haggling, no fuss.

You can get pre-approved for a specific loan amount at an interest rate before committing to a vehicle. This gives you the confidence to shop online or at the dealership. Even if you don’t know the final amount or exact vehicle you want, we can still get you pre-approved and update the final amount and vehicle details before settlement. 

Once you’ve been pre-approved, our team will manage your application and guide you through the settlement process. Once you have locked in a vehicle you’re happy with, we will run through the final steps of settlements which normally require tax invoice, insurance and contract signing.

With a secured vehicle, the lenders will send funds directly to your dealership or private seller once they have run the appropriate checks on your vehicle. 

If you have requested an personal loan, the funds will most likely be sent to your account directly at settlement. There are some exceptions to this, such as debt consolidations, where the lender pays funds directly.

We work with over 50 different lenders across Australia and New Zealand to provide you with options that suit both the asset you’re considering and your personal situation. We carefully selected our partners to ensure a seamless customer experience and competitive rates across various loan applications.

Lenders price differently for different customers, considering multiple factors when determining loan eligibility and rates. Each lender focuses on different customer attributes and has varying preferences.

With MotivMoney, we do the hard work of finding the most suitable lender and rate for you. Simply enter some basic personal information to see tailored rates from each lender, allowing you to choose the best option for your needs.

Yes, all lenders charge fees, so it's important to consider them when choosing a lender.

With MotivMoney, all lender fees and charges are included in your personalised quotes. The monthly repayment figure you see is exactly what will be deducted from your account each month, fully inclusive of all costs. No more hidden fees.

MotivMoney get paid a small brokerage fee based on the total value of the loan, which is included in your quoted monthly repayments. This fee is a minor part of your overall repayment. Additionally, lenders pay us out of their own pocket for referring high-quality customers to them.

You won't encounter any hidden fees from us or our lenders. We pride ourselves on transparency, and you will always see a breakdown of all fees, including our brokerage fee, when you receive your quotes.

Yes, your credit score plays a significant role in determining your eligibility for a loan with every lender.

For some lenders, your credit score also affects the interest rate they offer; the higher your score, the better the rate you’ll receive.

No, getting your rates with MotivMoney doesn’t impact your credit score. This is one of the key benefits of using MotivMoney instead of applying directly with a lender, where an enquiry is typically recorded on your file immediately.

Yes - we work with a lenders who offer a variety of options for different financial situations. Depending on your circumstances we may refer you to one of our partners, such as Credit Repair Australia, Credit Wipe or FixMyCredit who can assist you when it comes to improving your credit score.

Different lenders have varying minimum and maximum loan amounts, ranging from $5,000 up to $250,000. Many factors determine how much you can borrow for a car loan, including your income, living situation and credit score.

While deposits are not mandatory to get a car loan, it may help with the approval process and lower your repayments and interest. Some lenders insist on a 10-20% deposit while others allow you to take out a loan for the entire value of the car.