Car repair loans in three steps



Apply Online

Applying for car repair loans with Club Money is easy. Just make sure that you meet our minimum lending requirements, have your ID and bank account details ready, and fill out our easy online application form.

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Get Cash

If you’re approved for a car service loan, you’ll get money sent to your bank account. During business hours, you could have up to $5,000, ready-to-go. The next step is to get your car back in action.

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Pay for repairs

With the money in your bank account, you pay your car mechanic your preferred way — whether that's cash, EFTPOS or money transfer. You then pay back your loan according to your nominated repayment plan.

Why choose Club Money car service loans?

  • Loan amounts
  • Fast approval
  • Quick transfer
  • Easy repayments
  • No Hidden Fees

Car repair loans up to $5,000

More often than not, car repairs always seem to cost more than you expect. Whether that’s a blowout of a few hundred dollars, or one thousand dollars, it can stretch your budget beyond what you can manage.

If you can't afford to pay the car repairs with savings, then what's the alternative? That's where Club Money could help. Club Money car repair loans have you covered for the most common range of car repair servicing needs, up to $5,000.

So whether you need a loan to fix an engine or simply meet your regular log book servicing, we have you covered.


Apply online in minutes

There are many reasons why you may need cash for car repairs. And getting this cash on short notice is often critical, too. For some of us, being left without a car is just not possible.

Car service loans from Club Money are easy to apply and to get approved. All you need to do is get 100 points of ID and bank account details ready, then hop onto online application process. We’ll do the rest. And even if you have a bad credit history or receive Centrelink payments, we'll still consider your application. We base our approval decision on your current ability to meet repayments, not the nitty-gritty details of your credit history.

If all goes well, you’ll be approved for car service loans in as little as 30 minutes.

quick loans

Same business day transfers

Club Money customers could get the cash they need for car repairs the same day. This means that if your car has stopped running, or your mechanic has called with some bad news, you can take comfort knowing that the extra cash you need is a few clicks away.

Every transfer can be different, however. Transfer times will depend on your bank, but some past Club Money customers with Australian banks such as NAB, Westpac and Commonwealth Bank have received their money in two hours or less. Note that in some cases, customers with their preferred account with smaller banks and credit unions may need to wait a day or two.

If you have applied late in the day, you can expect our team to review your application, send approval and transfer funds the next day. If you apply for a car repair loan on the weekend, your application will be reviewed the next business day.

easy repayments

Repay your car repair loan, your way

A car repair loan from Club Money is not only fast — it's flexible, too. Everyone's financial situation is different, and finding the right way to get money for car repairs can be difficult. But with Club Money, you select your required loan amount and choose how quickly you want to repay.

So, whether you want to repay your loan in a matter of weeks or a matter of months, the decision is up to you and your situation. Each month adds a monthly fee of 4% of the initial loan amount, making your car service loan manageable and predictable. As part of the Club Money service, you'll be offered a repayment plan that matches your needs and your payday cycle.

With a Club Money car service loan, you'll be able to stay on top of repayments while cruising in your trouble-free car, fresh from the mechanic's workshop.


And repayment flexibility, too

Car service loans and peace of mind should go hand-in-hand. But you may be wondering about any hidden fees or charges. Thankfully, there's no catch when you choose Club Money. Our approach to car repair loans is one of complete transparency and quality service. All our costs, fees and charges are easily found on our fee statement page for your review.

We also take an approach to lending that is relatively flexible. Of course, we will not lend to anyone we think cannot manage their loan, but we all know that financial situations can change week-by-week. If, for whatever reason, you realise you cannot make a scheduled repayment, contact us at least 12 hours before this repayment is due to discuss alternative arrangements.

In this way, our team can work with you to reorganise your repayments and waive late penalty fees where possible.

Club Money for car mechanics

Register your interest in becoming a partner

As a Club Money partner, our team manage the loan accounts of your customers, at no cost to you. Once you’ve done the repair work and been paid, we’ll look after the repayments and any bad debt.  

All you need to do is mention Club Money as a car repair loans provider, and we'll do the rest. With the customer's approval, we can transfer money directly to your business account. It's a low-risk way to ensure payment for your services — on time, and in full.

For more information about becoming a Club Money car repair loans partner, contact the team at Club Money on 1300 242 274 or send us your details.



  • How fast can I get my car repair loan?

    If you apply during business hours, you can get a response within half an hour. Once your loan is approved, we transfer the funds immediately and the money can be in your account within a few hours, depending on your bank.

  • Can I get a cash loan for car registration?

    Yes. We understand that car registration can be very expensive, so it can put you in financial trouble if you haven't budgeted for it.

  • Can I get a loan for scheduled servicing?

    Yes. If you've had other unexpected costs that you didn't budget for, you may be unprepared for your regular car servicing. With Club Money, you may be able to get your car repair loan on the same day you apply.

  • Can I use my loan to buy new tyres?

    Yes. Putting off buying new tyres can be dangerous. If you don't have enough cash for new tyres when you need them, a Club Money car repair loan could be a suitable option to get you on the road safely.


Start Your Application

!WARNING - Do you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.