Find out how much your repayments and
interest rate could be with our calculator
Monthly repayment from
Example interest rate
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.
Looking for cash now? MoneyMe is an online money lender offering a fast and hassle-free online application process and quick approvals. Completing your application for our range of personal loans or our Freestyle virtual credit card takes you just 5 minutes. There is no lengthy paperwork to fill out and no annoying phone conversations. Just quick, streamlined online applications and same day cash loans.
When you need cash now you don’t want to spend days filling out applications or waiting for your approval. As the Gen Now credit provider, we provide a fast and simple application process, and when you apply online for any of our credit products within business hours you usually have an approval within the hour. As an entirely online lender in Australia, we don’t have a physical office address. We don’t need one. We don’t need the overheads. We’re committed to ensuring that we offer our customers easy finance options at the most competitive interest rates available because we know that that’s what you really want: instant loans without the hassle.
If you’re considering applying for our quick personal loans then the first thing you’ll need to know is how much you are borrowing and what it’s for. Our long term personal loans are available for balances of up to $50,000 while short term loans start from just $2,100.
Not sure what the best loan amount is for you? Before you get started on an application for same day cash loans from MoneyMe, consider taking a quick look at our personal loan repayment calculator. This tool is designed to help potential applicants get an indicative look at how our express loans or even small loans will affect your current living expenses before you put an application in. You can adjust things like the interest rate charged, the total loan amount and the loan term you are ideally looking for.
Once you’ve filled in the calculator, it will return information like a likely repayment amount you can expect to pay for your new variable rate personal loan. It’s always a good idea to undertake a personal loan comparison Australia to ensure that you’re getting the best rates and the lowest fees. Don’t forget to compare fees like early termination costs if you want to close out your loan early. For example, MoneyMe doesn’t charge customers early exit fees. In fact, there are no hidden fees. What you see is what you get, and you can check our full list of fees online.
When you have an indicative monthly repayment amount, you can easily compare this with your current living expenses to get a general idea about how your monthly cash flow is likely to be impacted by a new loan and compare any existing debt commitments you currently have to choose the best option for you. Play with inputs like your desired loan term to work out the best loan term than works for you. Shorter loan terms will mean that you pay less in cumulative interest over the course of the loan, but it will mean that your monthly repayments will be higher than if you took a quick cash loan over a longer period.
You may find that a revolving line of credit makes more sense for your current financial situation than a quick loan offering you a single lump sum cash payment. Our online credit card, the Freestyle virtual Mastercard®, is a flexible credit option for people looking for options and who aren’t quite sure where their new credit funds will go. Customers can receive up to $20,000 in credit with the Freestyle account and up to 55 days interest-free on purchases made using it. This means that when you repay your total credit balance with that 55-day period you are essentially using an interest free credit card. Unlike other buy now and pay later options, Freestyle offers you the ability to transfer cash from your Freestyle account to your normal banking account, or anyone else’s. As you repay your credit funds, they automatically become available for you to draw on again. There is no personal loan redraw facility available with MoneyMe.
Freestyle is a great option for people who need regular access to additional funds they can choose to either repay in full once their pay cycle rolls around again, or they can repay their drawn down credit in easy monthly instalments. Book a magic weekend away at the last minute or enjoy the peace of mind that there’s a little extra cash available for emergency spending like urgent car repairs, last-minute flights or for helping out with your general expenses between pay cycles. So, take a moment to consider a personal loan vs credit card before you apply with us.
To be eligible to apply for any of our credit products you must be at least 18 years old, a permanent resident in Australia and currently employed. We don’t need endless reams of paperwork proving any of this. We rely on a tech-driven loan management platform to verify our applicants’ details and income status.
What about same day loans for less than perfect applicants? Could your credit history be a bit better than it currently is? Are you a young person looking for a student loan, but your credit experience isn’t quite long enough for the amount you need? We understand.
MoneyMe is a responsible lender who believes in tailoring credit products like our loans online and our credit line to individual customers. We understand that sometimes life gets in the way and the result can be a less than perfect credit rating. When you apply for any of our loan products, including our credit card option, we take into account everything you would expect a responsible lender to look at, plus we assign you a special internal credit rating just for us. This means that if you aren’t approved for the low credit score personal loan amount you were really hoping for, you can take out one of our smaller easy loans first and prove how reliable you are as a credit customer. If your smaller loan is repaid promptly – remember, there are no early payout fees! – then we’ll get to see how trustworthy you are and your internal credit file with us will be updated to reflect your new status. Slowly building trust with us in this way will help you in future applications.
Whatever you need cash now for, we can help. We offer applicants a fast and stress-free online application form that you can complete in a matter of minutes. Online approvals are fast, and we don’t need to call your employer to check up on you. Instead of uploading payslips and verifying your application details manually, we use a secure connection directly to your online banking provider. This is read-only access that your personal loan broker can use to quickly verify your incoming and outgoing money. It means that we can offer our customers quick, effortless credit.
Apply online today to see how much cash you could get now.
Need cash now
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.