Personalised Finance Solutions, Your Way
Personal Finance
Life doesn’t wait – and neither should you. Our personal finance solutions are designed to help everyday Australians move forward with car loans, personal loans, and more – tailored to your needs, lifestyle, and goals.
5-Star Google Reviews
Satisfied Customers
Million In Funds Delivered
Personal Finance Benefits
At Lyft Money, we make finance simple, accessible, and stress-free. Whether you’re buying your first car, planning a big life event, or consolidating your debts, we’re here to help you make it happen – with flexible terms and a personalised approach.
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Finance for vehicles, holidays, weddings, renovations, and more
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Loan terms from 1 to 7 years
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No early exit fees on many products
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Fixed repayments for easy budgeting
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Options for all types of credit profiles
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Personalised support from real brokers
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Fast approvals – often same-day
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National lender panel for great rates and options
Why Choose Lyft Money?
Looking for fast, flexible, and reliable personal finance solutions? Lyft Money helps Australians access the right personal loans to achieve their goals—whether it’s buying a car, consolidating debt, or covering unexpected expenses.
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Flexible loan terms from 1 to 7 years
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Fast loan approvals—often within 24 hours
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Low interest rates starting from 5.94%
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No early repayment or exit fees on many loan products
Our Services
Personal Finance
What, When, Who?
What is Personal Finance?
Personal finance covers loans taken by individuals for non-business purposes – including car loans, personal loans, and debt consolidation. Funds can be used for a wide range of personal expenses, with flexible repayment terms and competitive rates.
When Should You Use Personal Finance?
Use personal finance when:
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You need to fund a large purchase without draining savings
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You want to consolidate high-interest debts
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You’re covering unexpected medical, legal, or personal costs
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You want to fund travel, education, weddings, or renovations
Who Is It Great For?
Perfect for:
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Individuals looking for flexible funding options
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People wanting structured repayments without asset security
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Australians planning major life milestones
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Those needing fast access to cash with minimal paperwork
Our Services
Lyft Money Personal Finance
Our Service
Personal finance that’s designed around you. At Lyft Money, we help you unlock new opportunities with flexible, fast, and fair lending solutions built for real life
Contact Us
Ready to Get Started?
Apply in minutes – no upfront costs, no obligation, and no impact on your credit score. Just straight-up support, when you need it
Testimonials
what people say about us
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Frequently asked questions
Find answers to commonly asked questions. If you still need help, feel free to contact us by clicking the blue button below.
1. How long does car loan approval take?
Usually 24–48 hours with the right documents.
- Same-day approvals are possible if everything’s ready.
- Delays usually come from missing information such payslips or bank statements.
2. What documents will I need?
For most applications you’ll need a driver’s licence, two recent payslips or three months of bank statements, and proof of insurance.
- If you’re self-employed, you may be able to apply under a low-doc option.
- If low-doc isn’t suitable, lenders will generally require six months of bank statements, an accountant’s letter, or recent tax returns.
Having these ready upfront helps speed up approval.
3. Can I apply with a co-borrower or guarantor?
These days, guarantors are not very common in Australia.
- Instead, most joint applications are done with a co-borrower, usually a spouse.
- For example, a husband and wife may apply together so both incomes are considered, helping to cover the loan as well as monthly living expenses.
4. What’s a comparison rate?
It’s the true cost of the loan—interest + standard fees.
- A 6% interest loan with $10/month fees might show a 6.5% comparison rate.
- Always compare this number, not just the headline rate.
5. Are there hidden fees I should know about?
Typical fees include an establishment fee, broker fee and sometimes a small monthly admin fee.
- We disclose all fees upfront—no surprises.
- Always check for early repayment fees or policies before signing.
6. What income do I need to qualify?
Most lenders require about $26,000+ per year (around $500/week).
- This can include wages or certain Centrelink payments.
- Couples can apply together to boost combined income.
7. Will applying hurt my credit score?
No, checking rates is usually a “soft check.”
- Only when you proceed with a specific lender is a “hard check” done, which can affect your score.
- This means you can shop around safely.