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

Bond Loans in NSW

Bond loans NSW are available to renters in New South Wales who may need some assistance paying the bond or deposit on a private rental property. Being eligible for rental bond loans NSW means that a potential renter won’t have to wait weeks or even months to save up a bond before they can secure a rental property.

A new generation of renters

The benefit of bond loans NSW is that young Australians can still find a rental property that works for their budget and lifestyle, despite a hot property market.

Housing prices have risen steadily for many consecutive years, leading a whole generation of Australians to turn to renting. This has many upsides. Renting is far more flexible than purchasing, and it allows you to trial a suburb or type of property before committing to it. It is also far cheaper than buying a property as there are no extra expenses, maintenance, and taxes to pay on top of the cost of living there. With rental bond loans NSW, there isn’t even any waiting period to get into your new property so long as it’s currently available and you fit the criteria for being a tenant.

More competitive rental market

More Australians turning to renting makes the need for obtaining a bond loan NSW far greater. This is because there are now greater numbers of renters than ever before trying to secure the same limited number of properties. With a housing bond loan NSW, you can attend any property inspection with the confidence that if you like the property, you can obtain the necessary finance to




Oh-so-simple

Applying for a rental bond loan NSW couldn’t be easier. Just click on the “Apply Now” button and our simple, 5-minute application process will guide you through the information you’ll need to input, such as some personal details, your income and expenses, and the amount you would like to borrow and your desired repayment period.

Once you have applied, you will receive a decision in a few short minutes, and may even have the funds deposited directly into your account in as little as an hour, depending on your financial institution.

Then it’s just a matter of a quick phone call to your real estate agent to organise a time to sign the lease – too easy!

In case you’re not based in NSW, we also offer bond assistance in 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 NSW up to $50,000 Approved Online | MoneyMe

Make moving into a new property much easier

Secure a new rental faster with MoneyMe’s bond loan NSW. We offer a range of unsecured personal loans of up to $50,000 designed to help you buy the things you want sooner, pay for large upfront bills like rental bond assistance, and get ahead of your finances. Our application process is entirely online and takes as little as 3 minutes to complete. We’ve cut out the unnecessary paperwork and several days of waiting and focus on delivering quick loans when you need them.

Learn more

Make moving into a new property much easier

Secure a new rental faster with MoneyMe’s bond loan NSW. We offer a range of unsecured personal loans of up to $50,000 designed to help you buy the things you want sooner, pay for large upfront bills like rental bond assistance, and get ahead of your finances. Our application process is entirely online and takes as little as 3 minutes to complete. We’ve cut out the unnecessary paperwork and several days of waiting and focus on delivering quick loans when you need them.

Sydney rental prices are some of the highest in the country. While it’s exciting to start house or apartment hunting, knowing that you have some big upfront costs to battle can be quite challenging. As a renter, you enjoy the flexibility of keeping costs limited to just your rent, without living under the shadow of a mortgage or constant repairs and maintenance to your own property.

More and more people are opting to rent in cities like Wollongong and Newcastle over purchasing their own home because the costs can be better controlled. But the upfront costs associated with securing a rental home can be steep. Not only do you need to come up with the cash to pay for professional services like removalists and cleaners, but you also need a period of rent upfront as well as your rental bond. 

What is a bond loan?

A bond loan NSW is a type of loan that lets you make upfront payments for rental costs and fees associated with moving into a new property, with flexible monthly repayments that you can pay off comfortably over the agreed loan term with your lender. MoneyMe is not only a responsible money lender – we’re flexible, too, and we won’t hit you up for early payout fees on unsecured loans like same day cash loans. We’ve designed a simpler and better way for everyone to get access to bond loan NSW. 

Your bond amount, paid at the start of a new rental tenancy, is held in trust for the term of your tenancy. It may range from between 4 to 6 weeks of the weekly rent charged on the property you are moving into. It’s held by the judicial bond board in NSW and would be used to cover the costs of any damages you may have caused to your rental property.

At the end of a tenancy, your real estate agent or landlord (if you are renting privately) will complete a final inspection on your recently vacated rental. If they note any damage or the need for professional cleaners or gardeners, they will send a request stating that the corresponding costs need to be deducted on the bond amount you paid before you moved in. Once you agree to any deductions, the bond amount is then released by the bond board back to you. 

What is your ideal rate?

When you take out a bond loan NSW, you will most likely be waiting for your previous bond on your old property to be returned to you. Once it has been returned, you can choose to allocate the funds for your bond loan NSW repayments, either paying it off entirely or chopping down the loan term to save on interest. Use our personal loan calculator to make some quick and rough calculations, including the total interest payable on indicative personal loan interest rates that we offer. Our personal loan repayment calculator will help you answer questions like, “How much can I borrow?” and, “What would my monthly repayments be?”

Our personal loans Australia are offered to eligible customers with competitive interest rates. Apart from our bond loan NSW, you can also apply for easy loans at larger amounts like car loans and boat loans, or even student loans to help you cover the cost of tuition or buying everything you need for your new course or training programme. 

If you’re looking to borrow unsecured loans, we provide flexible personal loan funds to help you pay for anything – may it be emergency costs that have arrived unexpectedly or to use as a travel loan for planning big adventures and pay for flights, tours and accommodation upfront. 

Apart from loans to help with monthly expenses like a cash advance or small loans for rent assistance or other rent-related costs, MoneyMe offers a smarter, more flexible credit option. The Freestyle Virtual Credit Account offers up to $10,000 and comes with a 55 days interest-free feature on all purchases. As the go-to money lender of Gen Now, we don’t issue a traditional plastic bank card – Freestyle works like a virtual credit card that gives you digital access to funds inside your phone.

More than just your average line of credit or credit card, Freestyle lets you Tap n Pay in-store and shop online at your favourite retailers, or transfer cash straight to your bank or anyone. It is powered by Mastercard, so you can use it wherever you are in the world.

Your Freestyle account has a pre-approval amount or a credit limit that you can use anytime and anywhere. The balances drawn down from your total limit will become available again as credit funds once you have repaid them. On the other hand, a bond loan NSW is transferred in full to your account upon the approval of your easy cash loans or a quick loan. You can use those funds to pay for your rental bond, and slowly repay that amount over time at manageable and comfortable monthly repayments. Unlike a line of credit, the balance of your bond loan does not become available for withdrawals as you repay it.

Who can apply for a bond loan?

To be eligible to apply for any of our express loans and same day cash loans, including our bond loan NSW, you must be at least 18 years old, a permanent resident of Australia and currently employed – that’s it!

We understand if your credit file may not be as good as you wanted it to be. When you apply for our cash loans online, we look beyond your credit score. We also take into account your income, debt obligations and daily expenses. You also get an internal MoneyMe credit rating that you can work to improve by simply repaying short term loan with us on time.

There are instances where you may not be offered the total loan amount you wanted the first time that you apply with us, but you may choose to start with small personal loans and work your way up to larger same day loans like renovation loans if you are a homeowner looking to make some upgrades and improvements to your housing.

Make moving to a new rental property fast and easy with MoneyMe’s bond loan NSW. Get the funds you need to start house hunting confidently, knowing you can secure your next best home immediately and repay your bond amount comfortably with manageable monthly repayments.