AutopayAutopay Asset Finance (Direct)
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
- Pricing
- Rates on application
- Variable
- 6.24%, 7.13% comparison
- Loan size
- $10,000 to $100,000
- Upfront fee
- $495
- Monthly fee
- $12.50
Rates
Every rate Autopay publishes for this personal loan, 8 in all.
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| VariableCredit 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 yea… | P&I | - | - | 6.24% | 7.13% | - |
| VariableCredit 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… | P&I | - | - | 9.18% | - | - |
| VariableCredit 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 i… | P&I | - | - | 9.40% | - | - |
| VariableCredit 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 i… | P&I | - | - | 10.00% | - | - |
| VariableCredit 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… | P&I | - | - | 15.63% | - | - |
| VariableCredit 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 i… | P&I | - | - | 18.60% | - | - |
| VariableCredit 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… | P&I | - | - | 21.10% | - | - |
| VariableCredit 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 yea… | P&I | - | - | 26.35% | 27.88% | - |
Fees
2 fees published, grouped by when they're charged.
- When you take it out$495Establishment fee
- While you hold it$12.50 a monthMonthly account fee
- When you close it or pay it offNo fee published
When you take it out1
- Establishment fee
One-off establishment fee of $495, charged at loan settlement.
$495
While you hold it1
- Monthly account fee
Account-keeping fee of $12.50 charged monthly. No early repayment or exit fee applies.
$12.50 a month
Features
- Balloon payment options are available, reducing regular repayments with a lump sum due at the end of the term.
Eligibility and limits
- Minimum age 18
- Residency: Australian citizen or permanent resident
- Employment: Must be currently employed
- Minimum income $30,000
- Available to individuals
- Amount $10,000 to $100,000
- The financed vehicle must meet Autopay's eligibility criteria.
- Loan terms from 3 years (P3Y) to 7 years (P7Y). The loan is secured against the financed vehicle.
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Published by MoneyMe under the Consumer Data Right, last changed by them on 8 Oct 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.