---
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: 2026-07-31T11:00:00Z
---

# 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 vary by vehicle type (new or used). No vehicle age cap applies. Balloon payment options available.

## At a glance

- **From:** 6.24% (Variable)

## 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). Rates for this band range from 6.24% p.a. (published rate, band floor) to 11.50% p.a. Rate also varies by vehicle type (new or used). Your actual rate is determined at application time via your Equifax OneScore.) | 6.24% | — | — |
| Variable (Credit band A (Equifax OneScore 650-799). Rates for this band range from 9.18% p.a. (published rate, band floor) to 11.80% p.a. Rate also varies by vehicle type (new or used). Your actual rate is determined at application time via your Equifax OneScore.) | 9.18% | — | — |
| Variable (Credit band BB (Equifax OneScore 550-649). Rates for this band range from 9.40% p.a. (published rate, band floor) to 12.53% p.a. Rate also varies by vehicle type (new or used). Your actual rate is determined at application time via your Equifax OneScore.) | 9.4% | — | — |
| Variable (Credit band B (Equifax OneScore 400-549). Rates for this band range from 10.00% p.a. (published rate, band floor) to 14.85% p.a. Rate also varies by vehicle type (new or used). Your actual rate is determined at application time via your Equifax OneScore.) | 10% | — | — |

## 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. No vehicle age cap applies; the rate varies by vehicle type (new or used).**

## 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: 31 July 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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