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Catalyst Money Car Loans

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Pay ZERO fees^ on all loans with NOW Finance. That's right - no establishment fee, no monthly fees, no early payout fee on all loans between $15,000-$100,000. What's more, get your guaranteed, tailored interest rate in two minutes without impacting your credit score. ^Charges such as default or enforcement costs may apply if you do not comply with the terms of your loan.


Application / establishment fees$0

Minimum loan amount$15,000

Maximum loan amount$100,000

Minimum term1.5 years

Maximum term7 Years

Car loan interest rates (base)4.45%

Car loan comparison rate4.45%

Monthly repayments (approx)$558

Total repayments (approx)$33,516

Total interest repayments (approx)$3,516

Rate typeFixed

Secured or unsecuredYes

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Other Fees & Information

Monthly fee$0.0

Other fees$0

Missed payment fee$35

Repayment scheduleWeekly, Fortnightly

Early repayments allowedYes

Exit / early repayment feeYes

Encumberance/REVVS check fee$0

For used vehiclesYes


Telephone1300 275 669

Data accurate as of21/02/2021

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A quick and easy, 100% online application. No printing. No paper. No fuss. No monthly account keeping fees, no exit fees and no early repayment fees.


Application / establishment fees$250

Minimum loan amount$2,001

Maximum loan amount$75,000

Minimum term1 year

Maximum term7 years

Car loan interest rates (base)5.35%

Car loan comparison rate5.65%

Monthly repayments (approx)$570

Total repayments (approx)$34,257

Total interest repayments (approx)$4,257

Rate typeFixed

Secured or unsecuredSecured

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Other Fees & Information

Monthly fee$0

Other fees$0

Missed payment fee$35

Repayment scheduleWeekly, Fortnightly, Monthly

Early repayments allowedYes

Exit / early repayment fee$0

Encumberance/REVVS check fee$27

For used vehiclesYes


Telephone1300 990 115

Data accurate as of30/04/2021

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Minimum and maximum loan periods vary between 6 months and 10 years. Comparison interest rates vary between 6.55% and 19.07% p.a. Total interest repayments vary between $4,290 and $14,531 over the life of the loan. *Comparison rate is based on an unsecured loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. These rates can change without further notice. All rates quoted are per annum. For more information regarding fees click on "View fees & additional info +" for each product or contact the provider.

What type of car loan are you looking for?

Compare 100s of car loans

Did you know you can compare 100s of car loans? Review, calculate interest rate repayments, apply online and save by visiting our main car loans comparison page.

Compare and review Catalyst Money car loans

Looking to finance a new or used car, van, truck or motorcycle? When comparing Catalyst Money car loans, there are other key facts to consider and understand, other than just Catalyst Money’s interest rates.

What car loan options are available?

Catalyst Money has 2 car loan products:

  • Catalyst Money New Car Loan (Secured)
  • Catalyst Money Used Car Loan (Secured)

View the above table for detailed product information and a comparison of the interest rates, fees and features.

You can also review and compare Catalyst Money personal loans and Catalyst Money home loans.

Do you have a Catalyst Money car loans calculator?

Yes. Use the filter to adjust your loan amount and term to calculate your approximate monthly repayments. When you apply the filter, you will see a breakdown of your approximate monthly repayments as well as the total amount of interest and fees paid.

For a more accurate quote, contact Catalyst Money directly.

How to apply for a Catalyst Money car loan?

If you’d like to apply online for a Catalyst Money car loan, just scroll up and click on “Learn more” to be taken to Catalyst Money’s secure online application form. Before you apply, be sure to learn about Catalyst Money’s loan products, fees and eligibility criteria. Give yourself around 30 minutes to complete the car loan application.

Catalyst Money’s car loan eligibility criteria

Before you apply for a car loan, be sure to understand and meet the Catalyst Money’s lending criteria. Below is high-level overview of Catalyst Money’s criteria:

Catalyst Money’s minimum requirements for a car loan

  • Minimum age of 18
  • Earn a minimum of $15,000 per annum
  • You’re buying a car or motorcycle for personal use
  • Minimum loan amount of $10,000 or more
  • You’re a permanent Australian resident or valid work visa holder (457 or other diplomatic visas)

Information you’ll need to provide

Whether at the Catalyst Money branch or online, make sure to have the following details and documents nearby:

  • A current Australian driver’s license (if you have one)
  • Your current employer’s name, contact name and phone number
  • Previous employer, if you’ve changed jobs in the last three years
  • Income, expenses, assets and liabilities (such as other loans or credit cards)

Are you self-employed?

If you’re self-employed, you will also need to provide:

  • Financial statements for the last year (no older than 18 months)
  • Your most recent personal/business tax return (no older than 18 months)

Other things to keeping mind when applying

  • Approval time takes between 1 to 3 business days
  • It’s advantageous to have a good credit history. For example, you have no recent defaults and no frequent requests for credit
  • Credit cards with large credit limits are seen as liabilities, even if there’s nothing owing. If you have existing liabilities, be certain you can pay them off in addition to your Catalyst Money car loan

There are many additional factors Catalyst Money consider when accessing your application, but the above are the most important. If you feel like you may not meet their eligibility criteria, it may be best to save!

What can you use a Catalyst Money car loan for?

Examples of common loan purposes Catalyst Money will lend for:

Additional Catalyst Money car loan information

Catalyst Money’s minimum and maximum car loan amounts and terms

How much can you borrow? Between $10,000 and $100,000, over terms between 1 year and 5 years. Use our filter as a repayment calculator to see your monthly repayments and rates.

Repayment schedule

Catalyst Money allow weekly, fortnightly or monthly repayment.

Extra repayment or early penalties

Catalyst Money allows you to make additional or early repayments. There are no fees associated with completely repaying your loan off early. View their terms and conditions to learn more about early termination.


Catalyst Money’s Car Loans require an asset (typically, the vehicle) as security.

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