MONEY3 Corporation Limited

What MONEY3 Corporation Limited does

MONEY3 Corporation Limited is an ASX-listed, Australia-based non-bank consumer finance company founded in 2000 and headquartered in Bundoora, Melbourne. The company provides secured vehicle finance (cars, motorbikes, caravans, trailers, boats, jet skis) for amounts between A$2,000 and A$75,000, and unsecured personal loans between A$2,000 and A$30,000, with all products priced on fixed interest rates of up to 12.95% APR (secured) and 15.95% APR (unsecured/Centrelink) and no early repayment penalties. Money3 deliberately serves borrower segments under-served by traditional banks — including customers with bad credit, prior defaults or bankruptcy, Centrelink benefit recipients, pensioners, single parents and self-employed Australians — using affordability-based assessment rather than credit-score-only underwriting.

The core technology layer is a digital, direct-to-consumer lending platform with a 5–10 minute online application, automated 90-day bank statement retrieval through partnerships with illion and Proviso, and a 24–48 hour pre-approval turnaround. Distribution is omnichannel digital: online self-serve application, phone (1300 014 870), live chat, email, plus a broker partner program via FBAA membership. The company is regulated under Australian Credit Licence 389067 (ASIC), is a member of AFCA for external dispute resolution, and holds ISO 27001 certification for information security management.

The business model is interest income on a portfolio of fixed-rate instalment loans, with monthly direct-debit repayments. Customer acquisition is primarily organic — SEO, loan calculators, educational content, and word-of-mouth amplified by 4.7-star Google and 4.6-star Trustpilot ratings — supplemented by the broker channel. With 100,000+ customers served across more than two decades and a national Australian footprint, Money3 functions as a specialist sub-prime / non-prime lender operating a niche within Australia's broader consumer credit market.

Name

MONEY3 Corporation Limited

Legal name

Money3 Loans Pty Ltd

Website

https://money3.com.au

Company type

Public

Founded year

2000

Operating status

Operating

Headcount range

101–250 employees

Short description

MONEY3 is an ASX-listed Australian non-bank lender founded in 2000 that provides secured vehicle finance (A$2,000–A$75,000) and unsecured personal loans (A$2,000–A$30,000) to under-served borrowers — including bad-credit applicants, Centrelink recipients, pensioners and self-employed Australians — via a digital, ASIC-regulated, direct-to-consumer platform.

Ownership category

akta.pro rank

Product category

Consumer Finance / Specialist Non-Bank Lending

NAICS

Sales Financing (522220)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)

akta.pro secondary industry

Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)

Keywords

• Consumer finance
• Vehicle finance
• Personal loans
• Automotive lending
• Non-bank lending

Headquarters

HQ city

Bundoora

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Vehicle Finance Interest: Secured loans for cars, motorbikes, caravans, boats, trailers, and other vehicles. Interest income generated from fixed-rate loans ranging from 12.95% APR to 15.95% APR depending on loan type and customer profile. Vehicle serves as collateral.
2. Personal Loans Interest: Unsecured personal loans up to $30,000 for purposes including car repairs, home improvements, holidays, weddings, emergencies, and rental bonds. Fixed interest rates apply with terms from 2 to 5 years.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

MONEY3 Corporation Limited is a publicly listed Australian non-bank consumer finance company that provides secured vehicle (car) loans and unsecured personal loans, primarily to credit-impaired, low-income, and non-conforming borrowers who are typically declined by mainstream banks. The company underwrites, funds, and services its loan portfolio directly and distributes its products through a national branch network, online channels, and broker/dealer relationships across Australia.

Product overview

Money3 Corporation Limited operates as a non-bank finance provider offering a comprehensive portfolio of secured and unsecured lending products. The core offerings include Car Loans (secured against vehicles) and Personal Loans (unsecured), supported by specialized products for borrowers with credit challenges or Centrelink income. Vehicle finance products cover cars, motorbikes, caravans, trailers, boats, and jet skis, all secured against the purchased asset. Personal loan products address specific life needs including emergency expenses, holidays, car repairs, and rental bonds. All products share a common application process featuring automated bank statement retrieval, fixed interest rates, and direct debit repayments, with maximum loan amounts ranging from $12,000 (Centrelink-only) to $75,000 (vehicle finance with mixed income).

Differentiator

Problem solved

Functional benefit

Products and services

• Car Loans

Quantifiable outcome

• Loan pre-approval decisions in 24-48 hours
• +2 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Three partnerships are on record, tiered core and minor.

• illioncoreTechnology or IntegrationBank statement retrieval partner for automated verification of financial information during loan application process. Customers can securely connect their bank accounts via illion to provide 90-day bank statements digitally.
• Finance Brokers Association of Australia (FBAA)minorChannel Partner/ Reseller/ DistributorIndustry association membership providing access to finance broker network for customer referrals
• Australian Financial Complaints Authority (AFCA)coreOthersExternal dispute resolution scheme approved by ASIC. Provides customer complaint resolution services as required by Australian financial services regulation.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Liberty Financial: Australian non-bank lender focused on secured and unsecured personal lending to customers non-conforming to bank criteria — closely aligned with Money3's specialty non-bank credit positioning.
• Credit Corp Group: Australian consumer credit specialist operating in debt ledger purchasing and consumer lending, with similar exposure to under-served borrower segments and secured/unsecured personal loans.
• Plenti Group: ASX-listed Australian fintech lender providing automotive, renewable energy, and personal loans through digital channels — comparable in non-bank consumer finance and automotive lending focus.
• Stratton Finance: Australian asset and vehicle finance broker/lender providing car loans, asset finance and personal loans through digital and broker channels — overlapping product set in vehicle finance.
• Pepper Money: Australian non-bank lender specializing in residential mortgages, asset finance, and personal loans to under-served borrowers — directly comparable to Money3's non-bank consumer credit model.
• Cash Converters: Australian specialty consumer finance provider offering small-dollar personal loans and pawnbroking to under-served and credit-challenged consumers — comparable niche and target segment.
• SocietyOne: Australian online personal loan platform providing unsecured personal loans through a digital, data-driven underwriting process — a direct functional peer in D2C non-bank consumer lending.

Broad incumbents

• Latitude Financial Services: Large Australian consumer finance provider offering personal loans, credit cards, and interest-free credit, serving a broad customer base that overlaps with Money3's under-served segment.
• Humm Group (formerly Flexigroup): Australian diversified consumer finance provider offering interest-free and personal credit products at point-of-sale, overlapping with Money3's personal loan and consumer credit positioning.

Emerging players

• Wallet Finance: Australian online personal loan lender targeting consumers with bad credit or non-standard employment, with digital application and quick-decision lending similar to Money3's value proposition.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/Money3Loans

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MONEY3 Corporation Limited