Kick your goals

Great rates,
fast approvals.

Personal loans

Low rates starting from 6.74% p.a. (comparison rate from 8.13% p.a.*) with money in your bank account in minutes. Learn more.

Check your rate and repayments
without impacting your credit score

Personal loans

Low rates starting from 6.74% p.a. (comparison rate from 8.13% p.a.*) with money in your bank account in minutes. Learn more.

Check your rate and repayments without impacting your credit score

A different kind
of lender

Easy application,
fast approval

We help you fast track your
goals with a
simpler process.

Finance that works
for you,
not against you

Flexible options. No early
repayment fees.

For people and the
planet

We care about our social and
environmental impact.

Everything you
need in one app

Apply in minutes and manage your account
wherever and whenever you need it.

Choose a lender
with purpose

Our philosophy? Doing good while
doing
business.

Explore our impact
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Supporting World Vision

In 2024, we established a one-of-a-kind partnership with World Vision, one of Australia's largest not-for-profits supporting vulnerable children, families, and communities. 

As part of this partnership, MONEYME sponsors a child on behalf of every Australian employee. All the sponsored children belong to the same community in Busakira, Uganda. 

Learn more about Busakira

Win $10,000

to kick your goals

Simply download the MONEYME app and describe your goal in 25 words or less for your chance to win!

Learn more

What our customers say

Average rating: 4.6, based on 3400 reviews
Legal Seafood MoneyMe Financial Group Pty Ltd AUD 1300 090 949 media@moneyme.com.au xx
Level 7, 352 Hunter Street Sydney NSW AU 2000
4.6 review rating
MONEYME

Ready to
kick your goals?

Personal Loans

We offer our customers a simple and straight-forward online application process for personal loans of up to $50k. You submit your loan application online in just a few minutes; you get an approval decision not long after that and, depending on your loan amount and who your bank account is with, you could receive your funds the same business day. There is no lengthy paperwork to fill out. There is usually no need for any phone calls. You receive your own personal loan dashboard where you can monitor and manage your personal loan details, let us know of any changes to your circumstances, and even make extra repayments if you want to you. Simple, responsible lending of fast cash loans for every customer. That’s MoneyMe.

And now down to the details and why we are one of Australia’s favourite and fastest online lenders. If you’re new to the world of credit and applying for products like our personal loans then there can sometimes be some confusion about exactly how credit products work, what types of personal loans are available, and what kind of information from an individual’s credit report will a responsible credit provider be looking for, and it’s not all bad news on that front. We’ll take you through the facts and figures and hopefully help you confidently understand how a personal loan works, whether quick cash loans are really as fast as they appear to be, and show you our range of credit options so you can find the best type of credit product for you from car loans to our Freestyle line of credit account and more.

What is a personal loan?

Personal loans from credit providers like us are simple and straight forward. A personal loan from someone like a close friend is an agreement that you make for money that you need immediately, and they have to spare, with the promise that you’ll pay them back. A personal loan from an official lender with an Australian Credit Licence works in much the same way, only the loan amount is usually a bit more that you’d borrow from a friend, and you don’t know your bank or lender personally. Because you don’t know them personally and because the cash amount you’re asking for is usually a bit more than a mate can possibly help you out with, the promise that you make to repay these kinds of loans is a bit more formal and comes in the form of a loan contract. There are sometimes fees and charges applied to your loan like an establishment fee, ongoing fees like account keeping fees, and you’re also checked during your approval process based on past loans, debts or services you have taken out which generate something called a credit score.

Personal loans come in all shapes and sizes. You can get a fast cash advance for money you need right now and you don’t have yet, such as a few days before your regular pay day. You might really want to take advantage of a great offer on a new asset like a car or a boat; put down an important deposit for an upcoming life event, or you might need money for an unexpected emergency situations (we hope that’s not the case but you can rely on us to get you approved for the funds you need fast).

These kinds of small loan are available from MoneyMe for as little as $2,100. What sort of emergencies would quick mini loans help you out with? You might need quick cash loans for unexpected bills like mechanical works and repairs on your car, or you might need a few extra dollars to move rental properties and to cover your upfront costs like professional movers and your bond amount. Life events happen every day and you don’t always have access to extra cash when you need it. That’s what easy money and our mini loans could be perfect for.

We are the next generation in credit products like credit cards and personal loans. We want to help you get approved instantly and get access to the funds you need, right when you need them. We offer customers speed and simplicity. We take advantage of the latest secure technology available for instantaneous information and funds transfers. And it’s not just for small personal loans that we can offer you instant approvals and fund transfers.

For larger purchases like cars, a wedding, renovations, and covering the costs for tuition and school courses, college courses and university degrees, you are going to need more than just a short term loan to buy yourself a little bit of breathing space. Professional development opportunities and career flexibility are prized attributes in twenty-first century living. Access to easy loans like variable rate personal loans ensure you can access the money you need for building your career, and comfortably factor in a tailored monthly repayment schedule that doesn’t strain your living conditions.

Personal loans are also ways to access more comfortable refinance options as well as for helping to manage bills and debts. It’s easy to start falling behind on your bills and repayments when you have mounting financial commitments. Sometimes things just happen, and you find yourself struggling to stay afloat, catch up or get back in front. Even people who don't have perfect credit histories can access personal loans with MoneyMe. Due to changes in the information a credit report now offers lenders, you’re most recent history is also captured to help paint a more comprehensive picture of your financial circumstances. This means that if you have engaged, and maintained, current payment plans to help you manage your listed debt then our team are able to see the real progress you’re making.

An unsecured personal loan can help you achieve a more comfortable financial position where you repay a single lender one flat repayment every fortnight or every month rather than trying to play catch up with multiple debts and bills, possibly falling even further behind. When you have multiple credit card debt and a few other bills that don’t seem like much month to month, you will often find that over the course of a year or two, the repayments you make can be a lot higher than you might have paid had you chosen a different credit product. Choosing a variable interest unsecured loan option can help give you some breathing space by paying out large unexpected costs like utility bills up front so your cash flow remains unaffected for other living expenses. You can apply for a loan with MoneyMe online and without paperwork for up to $50k, comfortably covering all of your existing debt and converting it into a single stream that you may even be able to redraw on like a virtual credit card.

If you’re planning a holiday, then you might want to take advantage of possible early-bird sales which usually offer significant discounts for holiday-makers who make the full, upfront payment for their trip at the time of booking. Booking travel early often rewards customers with a whole range of perks.

How much can I borrow personal loan?

How much you can borrow for a personal loan will depend on your current financial commitments and your past financial history. We will take into account the whole story here. In the past, a credit report was likely only to show the poor performance of an individual’s credit history and not what they have been doing to repair or refinance. Now

we have access to the last 24 months of your transaction history so if you were experiencing financial hardship and have started to make inroads into fixing your situation, that work will be reflected in your credit report and very carefully considered by MoneyMe when it comes to what kind of products and personal loans we can offer you.

Personal Loans are running hot!

55 people in the last 24 hours have applied

Freestyle is running hot!

55 people in the last 24 hours have applied

Debt Consolidation is running hot!

55 people in the last 24 hours have applied