Why choose MoneyMe?

What can you expect

What do repayments look like?


Lucy, 38

8.99% p.a. interest rate

12.36% p.a. comparison rate*

Excellent credit rating

Borrowed $17,000 over 5 years

Monthly repayments: $370.58


Matt, 29

19.25 % p.a. interest rate

21.12% p.a. comparison rate**

Fair credit rating

Borrowed $6,500 over 3 years

Monthly repayments: $258.33




*This comparison rate is based on our personal loan for an amount of $10,000 over 3 years wich includes a 5% establishment fee.

**This comparison rate is based on our personal loan for an amount of $30,000 over 5 years and an 8% (capped at $1,200) establishment fee.

WARNING: These comparison rates are true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.


Things you should know

For an unsecured personal loan of:



Medium Loan From $2,100 to $3,000

Repayment period:

• Minimum 12 months    • Maximum 24 months

Based on an unsecured loan of $2,500 over 2 years:

  • Minimum interest rate of 8.99% p.a. (16.78% p.a. comparison rate*). The total repayment is $2,960.07, which includes $2,500 principal, $200 establishment fee and $260.07 interest.

  • Maximum interest rate of 29.99% p.a. (38.50% p.a. comparison rate*). The total repayment is $3,622.82, which includes $2,500 principal, $200 establishment fee and $922.82 interest.

*Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.

Personal Loan From $3,001 to $50,000

Repayment period:

• Minimum 12 months    • Maximum 60 months

Based on an unsecured loan of $30,000 over 5 years:

  • Minimum interest rate of 8.99% p.a. (10.68% comparison rate*). The total repayment is $38,850.56, which includes $30,000 principal, $1,200 establishment fee and $7,650.56 interest.

  • Maximum interest rate of 19.25% p.a. (21.12% p.a. comparison rate*). The total repayment is $48,818.59, which includes $30,000 principal, $1,200 establishment fee and $17,618.59 interest.

*Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.

Things you should know

For a line of credit:



Fees and charge

  • Interest rate 16.99%*

  • Credit limit approvals up to $20,000

  • Minimum withdrawal amount is $100

  • Monthly account fee of $5

    Only applies if outstanding balance is over $20

  • Annual fee from $0 to $149

    Based on your credit limit and rating

*This interest rate is based on the Annual Percentage Rate (APR). Our APR is calculated daily by applying the daily APR and charged in arrears on the oustanding balance of your loan to the date your payment is due.

Other fees that may apply

  • Dishonour fee of $15

    This is payable each time a direct debit is dishonoured on your commitment to make a loan repayment is not met.

  • Overdue account fee of $15

    This is payable each time your account is not up to date by the end of the last day of the month.

Example repayments

Based on a revolving line of credit of $20,000 over 3 years

  • Minimum interest rate of 16.99% p.a. (20.44% p.a. comparison rate^) with total cost of $3,460.19

Warning: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

View our products

Up to $20,000

Low rate 16.99% p.a. & $250 back*

  • Up to 55 days interest-free
  • Fast approval in minutes
  • Add to mobile wallet to use instantly
  • Transfer credit to your bank or pay anyone

*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made between 31/07/2020 and 31/08/2020.
View full T&C’s here.

Up to $50,000

  • Money in your bank in as little as 60 minutes
  • Online quick application
  • Simple repayments and costs nothing to repay early
  • Low rates tailored to your profile

How to Apply for a Bond Loan

You can apply for a bond loan by completing a bond loan application quickly and simply using the MoneyMe online bond loan application form. Simply click on “Apply Now”, input some personal details, such as your income and expenses, and you will be given a decision on your application in minutes.

Super convenient

No paperwork? No worries! A MoneyMe bond loan application is completely paperless, so we will never ask you to upload any documentation when you perform your bond loan application with us.

Because we believe in a paperless world, the entire application process is strictly online, from start to finish. You can even apply for a bond loan with us from your mobile phone while waiting for a hairdresser or while on the bus. We’re here whenever and wherever you might need us.

Super secure

We don’t believe in wasting hours of your time trying to gather your bank records for us either. But we are also extremely conscious of keeping your information secure.

This is why we’ve partnered with Proviso to gather your bank information. When completing your bond loan application, we are able to access 90 days of your bank statements electronically within seconds using Proviso.com.au. And although we can view your transactions, we cannot actually access your account. This makes the whole process super secure, and keeps your information protected.




Super speedy and simple

Need cash fast? We’ve got your back! Unlike traditional lenders, our online application process takes just a few short minutes, and is performed entirely online.

Simply head to the MoneyMe website, click on “Apply Now” and fill in your personal details, such as income and expenses. We can provide a decision in minutes, and money can be transferred within the hour depending on your financial institution.

No fussing around or waiting for days or even weeks – the process couldn’t be easier!

MoneyMe offers bond assistance in New South Wales, Victoria, Queensland, Western Australia, and South Australia.




View our products

Up to $20,000

Low rate 16.99% p.a. & $250 back*

  • Up to 55 days interest-free
  • Fast approval in minutes
  • Add to mobile wallet to use instantly
  • Transfer credit to your bank or pay anyone

*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made between 31/07/2020 and 31/08/2020.
View full T&C’s here.

Up to $50,000

  • Money in your bank in as little as 60 minutes
  • Online quick application
  • Simple repayments and costs nothing to repay early
  • Low rates tailored to your profile

Bond Loan Application | Get up to $50,000 with MoneyMe

The easier way to manage rental fees

Start your bond loan application with MoneyMe to access an unsecured personal loan for your new rental bond. Rather than covering the costs by dipping into your savings or cutting out your regular monthly expenses, you can apply for a bond assistance loan with us. This way, you get to pay your complete rental bond upfront, and then repay it over time with flexible monthly repayments and personal loan interest rates tailored to you.

Learn more

The easier way to manage rental fees

Start your bond loan application with MoneyMe to access an unsecured personal loan for your new rental bond. Rather than covering the costs by dipping into your savings or cutting out your regular monthly expenses, you can apply for a bond assistance loan with us. This way, you get to pay your complete rental bond upfront, and then repay it over time with flexible monthly repayments and personal loan interest rates tailored to you.

If you’re a regular renter or even if you’re new to renting, the first thing you need to ensure you have is the upfront rental bond funds and the advance rent on your new property. If you’re moving from another rental property, this might mean that you’re straddling both rentals and paying double rent until you have your furniture safely and securely relocated. You would then have to cover the costs of professional services like cleaners and gardeners to take care of your old rental property before you hand your keys back.

While it might seem less stressful than living under a big mortgage or having to constantly pay for improvements and maintenance on your own home, renters might still experience struggle to ensure they have all the cash they need for a smooth and hassle-free move. When facing such rental challenges, MoneyMe can help provide exactly the financial relief you need through simple bond loan application and fast approval time.

Our bond loan application is entirely online. We are a low doc money lender and we won’t require you to fill out and submit tons of paperwork when you apply for our fast loans. The application process takes just a few minutes to complete minus the unnecessary phone calls – just easy loans with no drama. Upon the approval of your bond loan application, you receive a digital contract that you can sign online! We’re the go-to credit provider of Gen Now that delivers fast, easy, hassle-free loans.

Secure your new property with fast loans

Here at MoneyMe, you can start your bond loan application while searching for your new rental property. And since our approval times are fast, you might just get notified that your application has been approved by the time you’ve found your ideal property! This pre-approval on a bond loan amount gives you a clear budget to work within. You’ll know that you can access same day cash loans for your bond as soon as you need it so you can secure your new house or apartment sooner rather than later. 

Flexible online finance solutions

It’s not just bond amounts that MoneyMe offers. If you’re a renter looking for a quick loan between pay cycles, we can provide a rent assistance credit that you can use as a cash advance. Choose from our small loans or consider a revolving line of credit option that you may use as quick short term loans when you need them. Once you have repaid the amount that you’ve borrowed on your credit line, those funds become available to draw down on again. On the other hand, personal loans are lump sum amounts sent to you for whatever you need to pay – from your rental bond to other purchases like a car loan or boat loan. You repay them slowly over time, but you don’t free up more credit once you have paid some of your small personal loan back. 

MoneyMe’s innovative take on pay-later, the Freestyle Virtual Credit Account, offers on-the-go cash between $1,000 to $10,000. It’s your pay later and credit card (rolled into one!) that gives you access to express loans up to your credit limit whenever you need it. Freestyle is more than the average credit card. It works like a virtual credit card that you can use with up to 55 days interest-free on purchases like groceries and shopping sprees, or even to transfer money to your bank or your landlord. With a Freestyle card at the palm of your hand, everyday spending becomes light and stress-free.

Which credit product is best for you?

Make a quick loan comparison online between the money you would borrow from a bond loan application or a revolving line of credit using our personal loan calculator. This online tool is designed to give you an indicative idea of costs like interest rates and the total interest payable across our various loan products. Use our personal loan repayment calculator to help you answer questions like ‘How much can I borrow for cash loans?’ and get a clearer picture of your expected fortnightly or monthly repayments.

If you’re planning to go on a much-needed holiday, we offer same day loans to help you pay for your flights and accommodation upfront and slowly repay the costs like you did your bond loan. Rather than dipping into your savings, you may choose to borrow the cash you need to plan a great holiday and book everything in advance. Just like any of our credit products, applying for our travel loans is very easy and simple. To be eligible to apply, you must be at least 18 years old, currently employed and a permanent resident of Australia – that’s it!

Because we’re big on responsible lending, we check things like your current credit file when you submit your same day loans or bond loan application. We understand that sometimes life gets in the way and the result can be a less than great credit history. Similarly, if you are new to credit then you may not have developed a strong enough credit score for lenders to approve your desired personal loans Australia amount. No need to worry because here at MoneyMe, we take into account not just your credit score, but also your credit history, income and living expenses.

Customised rates and fees

The great thing about MoneyMe is that when you are approved for any of our unsecured loans, you are given an internal credit rating that relates only to your history with us. Upon successful repayment of your first loan with us, your credit rating may improve upon our evaluation and may open you up to higher loan amounts and lower fees in the future.

For example, if you’re on the hunt for cash loans online to pay for things like tuition costs, you may not be approved for your total student loan amount the first time that you apply. Should you accept a lower personal loan first and show us that it has been repaid on time, then your next application for a larger amount may be approved and you may be offered lower fees based on your repayment history with us. Generally, the interest rate that you are offered on personal loan relates to the kind of risk you pose as a credit customer. Less risk means lower interest rates which mean lower overall costs on your loan.

We also offer a renovation loan for homeowners who need to make urgent repairs or wish to upgrade their space. Don’t put off your dream home design – apply now with MoneyMe to get the funds you need to start your home renovation projects.

For renters, you can start your online bond loan application right now and enjoy fast approvals on the funds you need to make moving to a new house easy and hassle-free. With tailored loans transferred to your account in minutes, you have one less thing to worry about. Focus on enjoying your house-hunting with a pre-approved bond loan ready to go when the perfect of housing comes your way.