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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. Any calculations made by you using this calculator is intended as a guide only.
Easy money made even quicker with MoneyMe. We offer customers an entirely online application and approval process. Complete your loan application in about 5 minutes, get approved fast and once your loan contract has been digitally signed (low doc all the way!), we transfer your new funds immediately. There is no paperwork, we don’t need to speak with your employers, and we probably won’t even need to call you. You get quick cash loans with no time wasted, because we know you’ve got better things to do than spend hours filling out paperwork.
Whether it’s small loans to cover you for right now or long term personal loans for big-ticket items, we offer personal loans to everyone. Unlike conventional money lenders, we exist completely online. Apply online, get approved online, and receive your money fast. In most cases, depending on who your bank account is with and how much you have requested, that express transfer occurs within a few minutes of you signing the contract. You could have your new funds within the hour or by the next business day at the absolute latest.
To be eligible you need to be currently employed, an Australian resident, and at least 18 years old. If you’re all these three, then you are now ready to apply.
We’re like any other lender, only quicker. We have an Australian Credit Licence and we believe in responsible lending. It’s just that we do things our way – the fast and fair way. For example, Comprehensive Credit Reports (CCR) have changed the way lenders look at and assess the risk of new customers. The old credit score model would usually only reveal to a lender an individual’s credit past without taking into account any recent measures a person has undertaken to repair their credit history. With the new report, lenders get to see the last 24 months of your transaction history, or Repayment History Information (RHI). If you have a registered default against your name then we can see how you’ve tried to address it and assess the risk of offering you credit based on what you are doing, rather than what you didn’t do a few years ago.
We also have our own MoneyMe rating system which takes into account your direct history with us. While your rating is mostly determined by your credit history, which we look at very closely unlike other lenders, it’s also based on how well you have performed with loans from us. We offer our customers variable fees and charges based on this rating and when you have successfully repaid one of our loans online, your rating improves. With improved ratings, you access better loan terms and fewer costs. Fair, fast and easy finance.
The kinds of expenses a short term loan can help you with include emergencies like repairs for your car, putting deposits down or paying for moving costs, including a bond loan to cover your upfront costs like helping you secure a new rental sooner rather than later. Easy money from MoneyMe is the extra cash that you need access to right away. We tailor your instant loans to merge with your current lifestyle and try to ensure that the money we offer you isn’t going to mess up your existing living expenses or put too much strain on your cash flow. We don’t lend to people who are not able to afford their repayments, basically. It’s not fair and it’s not responsible.
But what if you’re in financial difficulty and you’re struggling to pay all of your bills and meet your other credit commitments? We won’t give you financial advice but there are a few credit products which may assist with managing bills and debts and combining them into a much easier single loan repayment like a personal loan for debt consolidation.
Often people aren’t aware that they can always refinance. Refinancing is a pretty broad term that basically means assessing all of your credit and bills, whatever monetary commitments you have going on right now, and seeing whether there is a smoother and cheaper way of clearing them rather than trying to pay out each of them separately. It’s an easy loan application and process, and you can complete it all online.
When would this be helpful? A credit card can sometimes come with unfriendly interest rates which compound the longer it takes you to pay off your card. If you have one of these, or two, and you have a car loan as well, plus your living expenses, plus other little debts you may have racked up along the way trying to keep afloat like medical expenses, then combining some of your living expenses and bills into easy money from MoneyMe pays the bulk of them out and you only have to pay one lender a variable interest loan repayment rather half a dozen with all different interest rates and fees. It simplifies your debt, helps you with general cash flow, and it halts vicious compound interest from building up.
Refinancing is also a great option as you approach the end of any of your variable rate loans. Having paid back the interest on the original loan, and only having a small percentage of their principal to go, you might be interested in rolling your old loan into a new one. Your new loan amount might include funds to cover an upcoming life event like an epic world travel adventure, renovations on your home or a wedding celebration. Holiday loans give you all of the cash you need upfront to take advantage of early-bird booking specials and perks and with MoneyMe you could have easy money, ready to book your world tour, with no fuss. Generally speaking, fast cash loans are released same-day but if you’ve applied outside of business hours then it may take a business day for them to clear.
You might also be considering heading back to school or college to reskill or professionally develop in your field. Today’s world is full of career movers who like having more than just one steady job for the rest of their lives. University loans cover your schooling costs and help you build meaningful careers doing what you love to do. A student loan might be used to finally go to that yoga retreat and learn how to teach the beauty of peace to others.
As long as you are currently employed, a resident of Australia and over 18 years old then you qualify for our application process. Applying takes a few minutes and we’ll ask you for details like your current employment and salary, any other debts you have, the amount of rent you pay (if you pay rent) and general identification details. We will also ask you for your online banking details. This is to give us read-only and completely secure online access to verify your application details. Using this kind of online verification is how we manage to speed up our easy money loans process.
Ready to apply? Get started online right now and find out how much you can borrow from MoneyMe, the home of quick and easy money.
NicoleSep 15, 2021
Unbelievably easy finance when I needed it the most. A huge thank you from me and as a returning customer I know that I am getting a fair deal.
ChrisSep 10, 2021
After 5 to 10 minutes of filling up my application, my loan has been approved and the money was in my bank account. I had a great experience that is why I'm giving them a 5-star rating. Excellent service. Thank you very much, MoneyMe.
VictoriaSep 2, 2021
Amazing through and through. MoneyMe helped me out when no one else would and they have been a delight to deal with. I 100% recommend their service. They're an absolute joy to deal with!
Out of 2,701 reviews
p.a. to 19.95 %
p.a. to 21.32 %
$295 for loans between $2,100 and $5,000
$395 for loans between $5,001 and $15,000
$495 for loans between $15,001 and $50,000
Minimum 1 year
Maximum 5 years
Early exit fees
*This comparison rate is based on an unsecured 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. A $495 establishment fee and $10 monthly fee applies.