--- title: "Autopay Asset Finance (Direct) — MoneyMe" description: "Personal Loans from MoneyMe. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/moneyme/products/autopay-d2c source: "CDR Compare" language: en-AU last_updated: 2026-10-08T00:00:00Z --- # Autopay Asset Finance (Direct) — MoneyMe > Personal Loans from MoneyMe. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Personal Loans · Negotiable rates · Autopay** Secured variable-rate car loan from $10,000 to $100,000 over 3 to 7 years, applied for directly with Autopay. Rates are personalised to your Equifax OneScore credit band and also vary by factors including vehicle age, loan-to-value ratio and residential status. Balloon payment options available. ## At a glance - **From:** 6.24% (7.13% comparison) ## Apply Applications are handled by the provider: [Apply at MoneyMe](https://www.autopay.com.au) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable (Credit band AA (Equifax OneScore 800-2000). Minimum variable rate for this band is 6.24% p.a. The advertised comparison rate of 7.13% p.a. corresponds to this rate, based on a $30,000 loan over 5 years. Rates within this band vary by vehicle age, loan-to-value ratio and residential status. Your actual rate is determined at application time via your Equifax OneScore.) | 6.24% | 7.13% | Loan term 36–84 months | | Variable (Credit band A (Equifax OneScore 650-799). Minimum variable rate for this band is 9.18% p.a. Rates within this band vary by vehicle age, loan-to-value ratio and residential status. Your actual rate is determined at application time via your Equifax OneScore.) | 9.18% | — | Loan term 36–84 months | | Variable (Credit band BB (Equifax OneScore 550-649). Minimum variable rate for this band is 9.40% p.a. Rates within this band vary by vehicle age, loan-to-value ratio and residential status. Your actual rate is determined at application time via your Equifax OneScore.) | 9.4% | — | Loan term 36–84 months | | Variable (Credit band B (Equifax OneScore 400-549). Minimum variable rate for this band is 10.00% p.a. Rates within this band vary by vehicle age, loan-to-value ratio and residential status. Your actual rate is determined at application time via your Equifax OneScore.) | 10% | — | Loan term 36–84 months | | Variable (Credit band AA (Equifax OneScore 800-2000). Maximum variable rate for this band is 15.63% p.a. Rates within this band vary by vehicle age, loan-to-value ratio and residential status. Your actual rate is determined at application time via your Equifax OneScore.) | 15.63% | — | Loan term 36–84 months | | Variable (Credit band A (Equifax OneScore 650-799). Maximum variable rate for this band is 18.60% p.a. Rates within this band vary by vehicle age, loan-to-value ratio and residential status. Your actual rate is determined at application time via your Equifax OneScore.) | 18.6% | — | Loan term 36–84 months | | Variable (Credit band BB (Equifax OneScore 550-649). Maximum variable rate for this band is 21.10% p.a. Rates within this band vary by vehicle age, loan-to-value ratio and residential status. Your actual rate is determined at application time via your Equifax OneScore.) | 21.1% | — | Loan term 36–84 months | | Variable (Credit band B (Equifax OneScore 400-549). Maximum variable rate for this band is 26.35% p.a. The advertised comparison rate of 27.88% p.a. corresponds to this rate, based on a $30,000 loan over 5 years. Rates within this band vary by vehicle age, loan-to-value ratio and residential status. Your actual rate is determined at application time via your Equifax OneScore.) | 26.35% | 27.88% | Loan term 36–84 months | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Establishment fee — One-off establishment fee of $495, charged at loan settlement. | Upfront | $495.00 | | Monthly account fee — Charged monthly · Account-keeping fee of $12.50 charged monthly. No early repayment or exit fee applies. | Ongoing | $12.50 | ## 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 only** (Available to natural persons only; not available to businesses or other entities.) - **Minimum age** — 18 years (Applicants must be at least 18 years of age.) - **Residency status** — Australian citizen or permanent resident (Applicants must be an Australian citizen or permanent resident.) - **Employment status** — Must be currently employed (Applicants must be currently employed with a regular income.) - **Minimum income** — $30,000.00 p.a. (Minimum gross annual income of $30,000.) - **The financed vehicle must meet Autopay's eligibility criteria.** ## Constraints - **Minimum limit** — $10,000.00 (Minimum loan amount of $10,000.) - **Maximum limit** — $100,000.00 (Maximum loan amount of $100,000.) - **Loan terms from 3 years (P3Y) to 7 years (P7Y). The loan is secured against the financed vehicle.** ## More information from MoneyMe - [Overview](https://www.autopay.com.au) - [Terms & conditions](https://mmestoragecdn.blob.core.windows.net/web2/v3/images/legal/credit-guide.pdf) - [Eligibility](https://www.autopay.com.au) - [Fees & pricing](https://www.autopay.com.au) ## Data provenance - Published by MoneyMe under the Consumer Data Right - Product ID: `autopay-d2c` - Last updated by the provider: 8 October 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/moneyme/autopay-d2c - Provider page: https://www.cdrcompare.au/brands/moneyme --- Source: [CDR Compare](https://www.cdrcompare.au/brands/moneyme/products/autopay-d2c) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider. 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