Credit made for you

Do you need money right now? We’re here to help. MoneyMe is the next generation of lending with applications, approvals and contracts all offered online through our fast, streamlined online loan process. If you need money now and apply during business hours, you could have your funds within an hour of your approval, depending on who you bank with. Now that’s fast cash.

As an entirely online lender, our loans process is offered via our website and phone app. Our low doc personal loans mean that there is no unnecessary paperwork and we even verify your salary and employment details online and at the time of your application. Our loans online are available for up to $50,000 and our Freestyle virtual credit card is available for balances of up to $20,000.

The Freestyle Virtual Mastercard® works just like any other credit card, except that it lives in your smart phone rather than your wallet with more exciting features offered. Use it for in-store purchases where Tap n Pay is accepted as well as online shopping. You can even transfer cash directly to your everyday account as well as to friends and family.

What to do when you need money fast?

If you need money right now, we can help. Applying for our quick personal loans takes just about 5 minutes. Personal loan eligibility includes being at least 18 years old, having a regular income and being an Australian resident. 

Our customers have used MoneyMe to help them secure small loans and larger long term personal loans for all kinds of expenses. We can help you get the money you need to grab a bargain at the car yard. We can help you secure your spot at a higher education provider with student loans for college and university. We can help you get quick cash loans to cover expenses you didn’t know were coming like mechanical repairs to your vehicle, emergency renovations around the home, or even travel loans to help you fund a life adventure. Our fast loans are meant to help you with anything you need.

Our personal loan products come in all shapes and sizes, for all kinds of customers. As with other money lenders, when you apply online with MoneyMe, you will need to give us permission to access your credit file. This is very standard practice and nearly every kind of credit product. From an application for a line of credit to mini loans to help you get through to payday, we will ask you for this information. If you have had a rough trot with credit in the past but you’re working your way clear, then don’t worry. We understand that sometimes life stuff just happens, and you can end up with a black mark on your credit file. The difference now, however, is that lenders like us have more access to your recent credit history than before.

Defaults on a person’s credit file used to be listed simply as either ‘paid’ or ‘unpaid’ which wasn’t very helpful. It usually meant that lenders would automatically reject an application, deeming the applicant too risky to lend to. Now, your credit file information will include your credit history for the past 24 months, including payments you have made and when you made them. This is vital for people who might have had an issue in the past but have worked hard to rectify it, repaid their default and are looking to refinance again and get back on their feet properly.

With MoneyMe, we assign you a special in-house credit score based on a range that we have designed especially for our own customers. You receive a rating based on your credit file, your current living expenses and, most importantly, your personal history with us. So, if you need money from us today and your credit file doesn’t look quite as good as it might, don’t worry. We may approve your application with loan terms tailored to your personal circumstances. Once you have repaid your loan in full and we have a good history of your transactions and dealings with us, we may re-evaluate your credit score and may be able to offer you better rates with better value.

This means that if you apply for another short term loan, your fees and charges may be reduced to reflect the new, more accurate profile as a credit customer. We want to help you source secure funding to help with managing bills and debts, and we want to see your risk profile drop too.

If you are planning to apply for our fixed rate personal loans to pay out some smaller debts like medical expenses, utility bills and a rental bond on a new property, then we can help you secure fast instant loans and get you moving sooner rather than later. Paying out big bills like those in one lump sum can severely affect your cash flow and strain already strained finances. With an express loan from MoneyMe, you can schedule repayments on a loan amount that matches up with your pay cycle, making it easier and simpler to meet your repayment schedule and get back in front of your debt.

If things are going well right now and you need money for the most amazing holiday deal at exactly the right price, then don’t sacrifice your savings just yet. Consider a loan from MoneyMe to pay for your entire holiday upfront, securing that early bird special and locking in your dates well in advance. Speaking of important dates, let us help you plan the biggest day of your life with our wedding loans designed to help you pay for everything straight away, concrete your dates in and focus on the fun parts of getting married.

The best way to check whether you can comfortably afford repayments on your ideal loan amount is by using a budgeting tool like a loan calculator. These are available online and you can usually specify an interest rate when you’re checking what your repayments will be like. It will only be a rough guide as rates, establishment fees and other charges won’t be visible to you until you are given a loan offer, but it can help you envision what your expenses look like with a monthly or fortnightly repayment schedule. You can budget ahead of time and get a better idea of what your real borrowing power is. These types of calculators can also help you to undertake a personal loan comparison Australia between credit providers. You can check what the fees and rates are as well as other flexibility factors like early exit fees (we don’t charge them, by the way) before you choose a provider.

When you’re happy and comfortable with your loan amount and the lender that you have chosen then it’s time to apply. When you need money now, choose MoneyMe. Apply online today.