Personal loans for
Competitive low rates from just 9.20% p.a. (comparison rate from 10.58% p.a.
Money can be in your account same-day.
2 *This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. 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. $495 establishment fee and $10 monthly fee applies. Comparison as of: 13/07/2023
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Winner of Canstar's Innovation Excellence Award 2022*
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Disclaimer: This calculator provides an estimate only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change. Any calculations made by you using this calculator is intended as a guide only.
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Easy online application with an outcome in as little as 60 minutes
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Download our app to manage your account and repayments with ease
You can get bond loan pre-approval by applying online with any bond lender who offers a pre-approval service. A pre-approved bond loan is not a commitment – it is simply an indication by a lender that they will be willing to approve your bond loan up to a certain amount, should you eventually decide to submit an application.
Obtaining bond loan pre-approval allows you to search for rental properties knowing exactly how much money you will have access to for the bond, before committing to any property, or applying for any loan.
When looking to buy a car, property, or other large asset, the responsible thing is to seek pre-approval on your finance before shopping around. This is the same reasoning behind obtaining bond loan pre-approval.
By seeking out a pre-approved bond loan before you begin your search for a rental property, you will never find yourself wasting time getting your hopes up on a property that is out of your price range. Understanding exactly how much money you will have available can help to take the hassle out of searching, because you will always know exactly what to look for, and won’t waste time where you can’t afford.
Just because you have been granted bond loan pre-approval, doesn’t mean you have to take out a bond loan at any point. There is no commitment on your part to submit an application for a loan once you have been pre-approved, so there is no risk taken on by getting pre-approved.
Seeking pre-approval for a bond loan can be simple and fast when dealing with an online lender. Typically, you will be required to provide some personal information, such as details of your income and expenses, and exactly how much you would like to borrow. These details can all be inputted online, and a decision can usually be provided very quickly.
This means you will be on your way to securing the rental property of your dreams before you know, without any drama or stress. It couldn’t be easier!
Bond Loan Pre-Approval
JayceenemoAug 09, 2023
Fast, fair and easy. Very happy customer. Happy to get another loan in the future from MONEYME.
BGCJun 13, 2023
Simple process, easy to follow application, quick response time and good support.
BradMay 31, 2023
I was impressed with how easy and quick the application was. Very happy with their customer service, and the app is very convenient.
Out of 2,701 reviews
Getting a bond loan pre-approval from MoneyMe is easy, hassle-free and fast. Our application process is entirely online and takes just minutes to complete. We won’t ask you to print and submit paper documents and, in some instances, we probably won’t even need to call you. You get fast, online approval for the money you need to start house or apartment hunting today.
A bond loan pre-approval is like a quick loan amount that your lender has agreed to lend you based on your profile and risk assessments. With a loan pre-approval, you are a step closer to securing your new home or apartment. Your pre-approved loan amount offers you a clearer picture of how your moving budget would look like. You get an idea of the highest you can afford to pay for your new rental property, and how much funds are available for miscellaneous fees like removalist and cleaning costs.
The need to move to a new house or apartment and not knowing whether you have the funds to cover all of your moving costs is indeed a challenging time. Not only do you need to make sure you have the cash for the removalists, the professional cleaner and gardener, you also need to come up with the money for your bond payment plus the rental deposit on your new accommodation. And, you need to be able to find that money while you’re still paying rent where you currently live. Tenants are often paying double rent for up to a month to ensure they have the time to move their furniture and take care of cleaning and repairs at their old rental. The costs can quickly mount up and eat large holes into your savings balance.
MoneyMe streamlines the whole process of securing bond assistance so you can move into your new home in no time. While you’re searching for a new rental and preparing for big life adjustments, the last thing you need to worry about is money. Moving into a new house is right up there as one of the most stressful yet most exciting in an individual’s lifetime. With a bond loan pre-approval, you know that you have the money to move as quickly and as hassle-free as possible.
How much can I borrow: To know what your ideal moving budget is and how to factor it into your other living expenses, you can always use our personal loan calculator. It’s a free online tool that provides instant comparisons of monthly repayment amounts for cash loans and the associated personal loan interest rates. When you take out any of our personal loans Australia, use our personal loan repayment calculator to get an indicative estimate of what your repayments will be, how much interest you will pay over the entire loan term, and how you might be able to save on that interest by making extra repayments or paying out your loan early. We won’t charge you with early payout fees. We also align your repayments with your current pay cycle so you won’t have to worry about late charges.
Apply for a bond loan pre-approval lets you know what you can borrow toward securing your new home and how quickly you can comfortably repay it. As you exit your old rental property, the bond you originally paid for that home will be returned to you. You can choose to put that toward your easy loan from us or continue repaying your rent assistance loan month to month. Flexibility and financial comfort – that’s what we offer our customers.
Our same day cash loans are not just about paying rental fees – you can use it for purchasing new furniture, getting your wall repainted and for other exciting bits of moving! Our cash loans online are offered at competitive rates. If you’re a previous customer at MoneyMe and were able to repay your unsecured loans on time, we may re-evaluate your profile and give you access to same day loans with better rates. This way, you can apply for a boat loan or car loan once your bond assistance loan is repaid and access the same (or better) flexible repayments with no early payout fees for your next round of credit with us.
A bond loan pre-approval is a great way to shop and secure your dream rental property. Think of it as an offer by a lender that will allow you to access a certain amount under specific conditions, so when you find a new apartment, you can quickly snatch it up even if you don’t have enough savings to cover the security deposit and other moving costs.
At MoneyMe, we understand that the rental market in Australia moves rapidly and that quality apartments, especially those in great locations, don’t last too long sitting on the market. This could pose difficulties to some people who don’t have immediate funds to cover the moving cost, especially the security deposit bond.
In Australia, the property bond is usually four weeks’ worth of rent, although there are some variations to this.
To help you secure your dream apartment and cover the moving costs, we offer a bond loan pre-approval process that’s quick and easy; this means that our lending decision process occurs within the same day as you send your pre-approval application. And once you’re ready to move into your new home, you can submit your actual loan application and receive your quick cash loans.
Take note that a bond loan, also called bond assistance or bond loan housing, is a no-commitment on your part, meaning you have the option not to push through with the lender’s offer to extend you fast cash.
Obtaining a bond loan pre-approval makes sense (financially speaking) because it allows you to search for rental properties based on your pre-approved amount. This allows you to save time since you’ll only limit yourself to apartments that are within your price range.
Aside from rental properties, applying for pre-approved loans also makes sense when buying a car, a house, or any ‘large purchase’ because it allows you to know exactly how much money you’ll have. Not only do these ‘tools’ eliminate the hassle as you search for your next apartment (or car or whatever asset you want to secure), they also show the landlords that you’re serious about renting their properties and that your offer should be treated accordingly.
Once you decide to move into a rental property, having a pre-approval bond loan can speed up your loan application process because this signifies that a lender is ready and willing to lend you a finance loan. At MoneyMe, our loan application and approval processes are typically completed within the same day. Once approved, we immediately send the funds to your personal bank account.
MoneyMe offers a bond loan of up to $50,000 with competitive interest rates and favourable repayment terms. We’re able to provide borrower-friendly financial products because we don’t spend on fancy offices and eliminate the overhead cost related to running a physical site. Instead, we do everything online, which is possible with the use of powerful infrastructure and software.
Whether you’re thinking of submitting a bond loan pre-approval or an actual loan application, MoneyMe has a quick lending decision process. So when we say same-day loans, we literally mean it.
But before you hit the application button, you may want to use our personal loan repayment calculator where you need to input the borrowed amount and your preferred duration (between one and five years). Depending on your debt obligations and monthly salary, you may want to adjust the requested amount and/or term. The idea is to come up with scheduled repayment that you can easily pay without you having to overextend yourself.
Our personal loan calculator also allows you to choose your repayment frequency, which can be monthly or weekly, depending on what works for you best.
Aside from the scheduled repayment amount, you also need to keep in mind your monthly salary and debt obligations. Remember, the idea is to get quick personal loans that you can comfortably pay on a regular basis without the need to do some extreme cost-cutting measures, which may not always work.
The short answer is yes, provided that you submit accurate personal and bank details and you’re deemed as a responsible borrower. That’s why we conduct personal loan eligibility and risk assessment in which we check your credit file, especially your payment history, to ensure that you can tap into a fund that you can comfortably afford and will not put you under a financial constraint.
To start your bond loan pre-approval application, click the ‘Apply Now’ box on our online platform. Next, fill out the online form with your personal information, which includes your monthly salary, employment status, company name, debt obligations, and living expenses. Also, input your bank details so we can conduct an online verification of your most recent bank statements.
During our online verification process, we can access the read-only snapshots of your bank statements, which give us an idea of your cash flow, income, and debt obligations. No one on our team can change, view, and access your passwords and other sensitive information.
To learn more about our rental bond loan and the eligibility requirements, visit MoneyMe today and choose from our extensive list of financing options that can help you cover emergency expenses such as moving costs, medical bills, and last-minute travels.
If you’re looking for a more flexible credit option than small loans or cash advance when you need a little extra between pay cycles, opt for MoneyMe’s latest pay-later offer: The Freestyle Virtual Credit Account. Powered by Mastercard, Freestyle is your spend now pay later and credit card, all-in-one. While short term loans offer you a lump sum amount that you repay slowly over time, a virtual credit account is a revolving line of express loans you can draw on whenever you need them. As you repay any credit you have used, you make those funds available again immediately.
Freestyle is like a virtual credit card that gives you access to fast cash between $1,000 and $10,000. With money at your fingertips, you can do so much more with Freestyle. You can use it as a bond loan pre-approval, knowing that you have immediate access to any moving funds you need. You can also use it to cover your monthly living expenses like bills, groceries, entertainment and other costs.
Instead of another plastic credit card to add to your wallet, Freestyle is digitally stored in your smartphone. Use it to enjoy cashless shopping online and in-store, or transfer cash to your bank account or anyone. Plus, you get to enjoy up to 55 days interest-free on all purchases made using your Freestyle account.
We believe in responsible lending, so we will only offer you loans that we know you can comfortably repay. If your credit file isn’t as good as it could be, then don’t worry. Here at MoneyMe, we don’t just make loan decisions based on your credit score – we see the whole picture.
Our advanced proprietary AI-based loan management platform makes it possible to assess thousands of financial and social data points in real-time, allowing us to provide a fast outcome for each application for a personal loan or a same day cash loan. If you have applied for any of our small personal loans and not been approved for exactly the amount you wanted, we may offer smaller loans that you can use to build up your credit until you become eligible for larger loans like a travel loan or student loans. For every loan you repay on time with us, your rating increases. If you’re a good credit customer with a solid repayment history with us, you may enjoy perks like lower fees and charges and bigger loan amounts on new loans.
Apply online today for a bond loan pre-approval so you can start searching for next rental property, or if you own your own home, consider our renovation loans to cover the cost of housing improvements and repairs.
p.a. to 25.20 %
p.a. to 26.58 %
$395 for loans between $5,000 and $15,000
$495 for loans between $15,001 and $50,000
Minimum 3 years
Maximum 5 years
Early exit fees