0% Car Finance with Money Matchmaker™

Find, compare, apply.

Find the right car loan. Compare real offers from 11 lenders in 60 seconds. Apply with confidence.

“Super quick, I got lots of offers. All I had to do was choose which one! I went with Wisr because they were the cheapest. Thanks” - Angela

0% car finance and 1% car finance: the facts

0% finance or 1% finance means you make repayments on your loan amount without paying interest, or paying what seems to be a very small amount.

Sounds too good to be true? That’s because generally it is.

There are important factors to consider on a 0% car loan


  • 0% interest may only be applied to part of the loan term
  • You will need an extremely good credit rating to apply
  • You will often be unable to negotiate the sale price of the vehicle
  • 0% may only be offered on some cars - often vehicles a dealership is desperate to sell
  • If you are trading in a vehicle, you may be offered a lower trade-in price
  • You may have to agree to a short term with high monthly repayments

Find the best deal on car loans


If you’ve done the calculations and it still looks like a good deal

Compare the purchase price of the vehicle to make sure it hasn’t been inflated.

This tactic is even sneakier because it is guaranteeing a lump-sum payment of your interest charges and other fees to the dealership.

Dealerships will offer 0% car loans for two main reasons:

  • To clear inventory - a dealership may have had the vehicles on the car lot for a considerable amount of time and is desperate to get rid of them. In this case, they may offer 0% interest to ensure they can clear the remaining stock and purchase new vehicles. The dealership may only make a small profit on the sale, but it will still benefit them to sell the vehicle off.
  • To draw in potential buyers - a dealership will know that advertising a 0% car loan will attract customers. However, if the customer doesn’t qualify for a 0% car loan with the dealership, they are already in the mindset of purchasing a car and could be sold on a different vehicle under a standard car loan agreement

Dealerships are heavily incentivised to sell their in-house finance to their customers

As mentioned above, significant commissions are often attached to these car loans, and this means the total repayment including fees and interest charges, often represent poor value to borrowers compared to applying with a bank or finance broker.

If you’ve seen these “special promotional offers” on vehicles from a dealership, make sure you do your research before committing.

Don’t be lured in by a smooth-talking salesman without crunching the numbers yourself and looking at the fine print of your agreement.

You think you’re saving money, but the truth is that it is costing you more than you would pay with an independent finance arrangement.

Likely, 0% or 1% car finance will not be the best deal.

Meet your Potential Car Loan matches

Meet Plenti
  • No Early Repayment Fees
  • No Monthly Fees
  • Get Funds 24 Hours From Approval
Meet Wisr
  • Same day decisioning
  • No admin, early repayment or "risk" fees
  • Support from real people
Meet Society One
  • No ongoing fees
  • No monthly fees
  • No Deposit Required
Meet Fair Go
  • Build your credit score by making timely repayments
  • Once approved, loans are funded in minutes
  • Flexible repayments; weekly, fortnightly, monthly options
Meet Finance 1
  • Pay your loan out early with no fees
  • Change payment dates and frequency at any time
  • Make extra repayments at any time
Meet Greenlight
  • No risk fees
  • Flexible Weekly, Fortnightly & Monthly payment frequency,
  • Make extra repayments at any time
Meet Jacaranda
  • Apply in under 8 minutes
  • Once approved, cash transferred in 60 seconds
  • No early termination fees
Meet Loans.com.au
  • Approval in 24 hours
  • Balloon options to reduce repayments
  • No ongoing or discharge fees
Meet Money3
  • Pay your loan out early with no fees
  • Increase regular payments to suit your situation
  • Make extra repayments at any time
Meet Now Finance
  • Get a guaranteed, personalised rate in 2 minutes
  • Apply online in under 10 minutes
  • Weekly and fortnightly repayments
Meet Alex
  • $0 establishment fee: offer expires 3NOV21
  • $0 ongoing fees, early repayment fees, exit fees
  • Multi Award winning and 100% digital

The benefits of using Money Matchmaker™ to find your Car Loan

Money Matchmaker saves you time looking for your loan
Save Time

Get matched with real loan offers from up to 11 lenders, all at once.

Money Matchmaker stops you overpaying on your loans
Don't Overpay

We show you the best interest rates and repayments from each lender you match with

Money Matchmaker shows you personal loan rates unique to you
It's Personal

The rates are based on who you are and where you are at in life

Money Matchmaker puts you in control of your loan choices
You're in Control

No obligations, just the facts, make an informed choice

Money Matchmaker is 100% free to use
100% free

There are no middlemen, marked up pricing or broker fees. (We get paid by the lender)

Get matched with your perfect car loan


How Money Matchmaker™ works

Just like when you use a dating app or go to a broker, we use your answers to show you real lenders, real rates and actual repayments across all our lenders that you’re eligible for; without any broker fees or marked up interest rates.

  • You tell us about you and we scan your profile through our Money Matchmaker ™ engine.
  • We give you all the results that you match with, without any advertising or promoted offers, these are the real rates and fees, just like you’d receive when applying directly with a lender.
  • You can then choose the lender you wish to match with.

The right car loan can save you $1,000s



Money Pty Ltd,
Suite 3, Level 2,
1 Taylor Street,
Moorabbin, VIC, 3189 Australia


Money Pty Ltd trading as Money
ABN: 42 626 094 773
ACL: 528698
AFCA: 83955

© Copyright 2021 Money Ltd.


Money Pty Ltd (trading as Money.com.au) provides information about credit products and is authorised to do so as the holder of Australian Credit Licence 528698. Money.com.au does not compare every Lender in Australia. We are not a broker or credit provider and when we provide information via this website, we are not providing you with a recommendation or suggestion about a particular credit product. When you apply for a credit product via the Money.com.au website, you are not applying with us, you are applying directly with a Lender Partner. Before entering into any credit product from one of our Lender Partners, you should confirm the rates and product information with the Lender. All information on this website is general advice only and does not take into account your objectives, financial situation or needs. You should consider whether this advice is right for you and we encourage you to seek independent financial advice.