loans for
kicking goals

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

Won’t impact your credit score!
Won't impact your credit score!

Estimate your repayments

Find out how much your repayments and interest rate could be with our calculator.

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Estimated monthly repayments


Example interest rate

6.74% p.a.

Comparison rate*

8.13% p.a.

Total charges


Total repayments


It won’t affect your credit score!

Check our rates and fees

Interest rate (p.a.)


% p.a.

up to


% p.a.

Comparison rates (p.a.)*


% p.a.

up to


% p.a.
*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.

Establishment fee


Loans up to $15,000


Loans above $15,001

Loan term

3 to 5 years

Our fees


Monthly fee


Early exit fees

*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.

Borrow Money up to $50,000

We are the online lender specialising in making it quick and easy to borrow money you need, when you need it. Access to fast finance options like personal loans or quick cash loans can help you cover expenses quickly or offer you the flexibility to take advantage of a great deal when it comes along. If you’re looking to borrow money fast, then easy cash from MoneyMe could be just what you’re looking for. 

We offer a range of easy finance options tailored to what you need, with streamlined applications taking just 5 minutes to complete.

What are all the different ways to borrow money?

If you’re new to credit or you want to know what kind of express loans are available to you, the first thing you are going to ask yourself is ‘what is the best option for me to borrow money?’ You might have a great opportunity on the horizon like further study options that you need a student loan or an education loan to help you pay for. Often institutions will offer students a great price like an early bird offer when a student is able to pay for their full tuition cost up front. Affordable loans from reputable money lenders like MoneyMe can help you get your future on track offering you an equal repayment schedule, supporting your future study or retraining in a new industry.

There is a range of credit options available in Australia including variable rate personal loans, ideal for larger purchases like education opportunities or purchasing a new car, but also a great option to cover smaller expenses in one go, as well as credit cards

Cash loans Australia come in the form of a lump sum payment paid directly into your bank account. This amount is then repaid over a set period of time at equal repayments that are directly debited from your bank account. Before you receive your easy money, your loan contract will detail the interest rate that you are paying as well as the total cost of the loan over the entire loan term. It’s a good idea to undertake a personal loan comparison Australia before you commit to a credit option so that you know that you’re getting the best rates and the best levels of flexibility for what you need. For example, if you are in a position to repay your instant loan from MoneyMe ahead of schedule then we won’t charge you early exit fees, unlike other finance providers. Alternatively, if you’re struggling to make your repayments then we can help with that, too. 

Comparing credit options may also show you the best loans online that are best suitable for what you need right now. Short term loans in the form of a revolving line of credit like a credit card is a flexible alternative to small personal loans on equal repayment schedules. Rather than giving you a lump sum amount credited directly into your bank account, they offer you a type of cash advance and the option of drawing down on a pre-approved credit amount. 

The MoneyMe Freestyle Virtual Credit Card is the latest financial solution designed for use in-store Tap n Pay and shopping online. It gives you access to an approved amount of credit that is always there when you need it. You can even use it to transfer cash to your everyday bank account or to friends and family. The Freestyle account from MoneyMe offers you access to balances between $1,000 and $20,000 in a matter of minutes. You choose how much you wish to draw down on your approved credit amount and then either repay that amount instantly or in instalments, at your own pace. There are no additional fees for repaying your credit amount in full, either. It’s also not going to take up any room in your wallet. The Freestyle account lives in your smart phone instead, keeping it secure and close at hand whenever you need it.

How can I borrow money fast?

MoneyMe is the online lender specialising in offering fast cash for customers who don’t want to waste time with complicated application processes. Everything you need to supply is sent via our online application form and we probably won’t even need to call you.

When looking for any type of finance, your first step is to find a personal loan calculator. These are online tools designed to give you an indication of what you can borrow and what kind of interest rate you will probably be offered when you are approved for both long term personal loans or short term loans. It will break down your total payable amount into two sections: the principal loan amount and the interest payable. The calculator will also show you what the percentage of your repayments go toward paying off the principal loan amount (the actual amount you have borrowed) and the percentage of interest you are paying each month on that principal loan amount. Using this kind of calculator can help you budget for your expected repayment amounts ahead of time.

When you have a loan amount that works for what you need and will be comfortable to repay, you simply log on to the MoneyMe website and apply to borrow money online. Our application process takes 5 minutes to complete and approvals are usually in minutes. Once you have digitally signed your loan contract, your new funds are transferred immediately. That means that customers receive their new funds within 24 hours and usually even sooner than that, depending on who you are banking with.

Where can I borrow money if my credit history isn't perfect?

For credit customers who don’t have a credit history yet, or perhaps have had trouble with maintaining a good credit rating, taking out quick same day loans for smaller amounts can help improve your chances of scoring a better interest rate on larger low credit score personal loans in the future. Your credit score is one of the lending criteria that goes toward judging what kind of credit risk you pose and if your credit score could be better, or if you don’t have one at all yet, starting off with small loans can help you build up to bigger ones. They are also a great way to learn healthy credit habits and tidy up your finances. 

Responsible lending is necessary for ensuring that the lender you have applied to for your instant loan is not exposing itself to high-risk customers, and that their customers are able to comfortably repay their loan over the course of the loan term. When evaluating loan and credit customers, MoneyMe will take into account your salary, your current living expenses, and what you need your loan amount for. As an Australian Credit Licence holder, we pride ourselves on strictly adhering to responsible credit criteria, helping to offer customers affordable loan products.

To be eligible to borrow money from MoneyMe, including same day loans, you will need to be at least 18 years old, be a resident in Australia, and have current employment. If you tick all of those boxes, then it’s time to apply online right now. Borrow money in record time from MoneyMe.


How to apply

1 Check your rate and repayments

You can get a conditional loan offer in just minutes
without impacting your credit score!

2 Submit your application

Review your loan offer, accept it, and you’ll get an
approval outcome typically within 60 minutes.

3 Same-day transfer

Once approved, we’ll transfer the money to your bank
account immediately, even on weekends.

Must be Australian citizen, New Zealand citizen or permanent resident

Earn more than $30,000 p.a. from employment

Must at least be 18 years old

Bank-grade security

‘Read only' access to accounts

256-bit data encryption


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

Loans for small
and big moments

Won’t impact your credit score!
Won't impact your credit score!
Big purchase
Debt consolidation

What our customers say

Average rating: 4.6, based on 3400 reviews
Legal Seafood MoneyMe Financial Group Pty Ltd AUD 1300 090 949 xx
Level 7, 352 Hunter Street Sydney NSW AU 2000
4.6 review rating
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Personal Loans are running hot!

55 people in the last 24 hours have applied

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