Autopay Asset Finance (Broker & Dealer)
Secured variable-rate car loan from $10,000 to $150,000 over 3 to 7 years, available through accredited brokers and dealers. Rates are personalised to your Equifax OneScore credit band and vary by vehicle type (new or used). No vehicle age cap applies. Balloon payment options available.
- From
- 7.45%
- Variable
Interest Rates
| Type | Rate | Comparison | Applies To |
|---|---|---|---|
| Variable Credit band AA (Equifax OneScore 800-2000). Rates for this band range from 7.45% p.a. (published rate, band floor) to 11.90% p.a. Rate also varies by vehicle type (new or used). Your actual rate is determined at application time via your Equifax OneScore. | 7.45% | — | — |
| Variable Credit band A (Equifax OneScore 650-799). Rates for this band range from 7.73% p.a. (published rate, band floor) to 12.40% p.a. Rate also varies by vehicle type (new or used). Your actual rate is determined at application time via your Equifax OneScore. | 7.73% | — | — |
| Variable Credit band BB (Equifax OneScore 550-649). Rates for this band range from 7.95% p.a. (published rate, band floor) to 13.33% p.a. Rate also varies by vehicle type (new or used). Your actual rate is determined at application time via your Equifax OneScore. | 7.95% | — | — |
| Variable Credit band B (Equifax OneScore 400-549). Rates for this band range from 8.55% p.a. (published rate, band floor) to 15.40% p.a. Rate also varies by vehicle type (new or used). Your actual rate is determined at application time via your Equifax OneScore. | 8.55% | — | — |
Fees
| Fee | Type | Amount |
|---|---|---|
| Establishment fee Establishment fee ranges from $350 to $600. The exact amount is determined at the time of application. Ask your broker or dealer for details. | Upfront | $350.00 – $600.00 |
| Monthly account fee Charged monthly · Account-keeping fee of $12.50 charged monthly. No early repayment or exit fee applies. | Ongoing | $12.50 |
| Broker/Dealer fee A broker or dealer fee may be added to your loan amount. The fee is determined by your broker or dealer. Ask your broker or dealer for details before applying. | Upfront | Variable |
Features
- Extra repayments
- Additional repayments may be made at any time without penalty. No early repayment fee applies.
- Digital banking
- Loan is managed entirely online via the Autopay digital platform.
- Balloon payment options are available, reducing regular repayments with a lump sum due at the end of the term.
Eligibility
- Individuals onlyAvailable to natural persons only; not available to businesses or other entities.
- Minimum age — 18 yearsApplicants must be at least 18 years of age.
- Residency status — Australian citizen or permanent residentApplicants must be an Australian citizen or permanent resident.
- Employment status — Must be currently employedApplicants must be currently employed with a regular income.
- Minimum income — $30,000.00 p.a.Minimum gross annual income of $30,000.
- Applications for this product are accepted through accredited brokers and dealers only.
- The financed vehicle must meet Autopay's eligibility criteria. No vehicle age cap applies; the rate varies by vehicle type (new or used).
Constraints
- Minimum limit — $10,000.00Minimum loan amount of $10,000.
- Maximum limit — $150,000.00Maximum loan amount of $150,000.
- Loan terms from 3 years (P3Y) to 7 years (P7Y). The loan is secured against the financed vehicle.
More Information
Published by MoneyMe under the Consumer Data Right · Last updated 10 July 2026 · Product ID autopay-broker