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Cost calculator
We only lend that you can afford to repay.
We are transparent about our cost structure and we'll keep your fees to a minimum.
Credit history
Monthly payments:
$0
Total payment:
$0
Your total payment will be $632.50. The cost is made up of an 20% establishment fee and a 4% monthly fee. The payment amount is based on the variables selected, is subject to our assessment and suitability, and other important terms and conditions apply.
Our rates and fees
Credit fees and charges
Establishment fee:
11 – 20% of the principal borrowed
Monthly loan fee:
4% of the principal
borrowed
Other fees that may apply
Direct debit
dishonour fee:
$25.00
This fee is charged each time a direct debit is dishonoured.
Late fee:
$5.00 per day
This fee is charged when you go over your agreed loan term.
Credit fees and charges
Establishment fee:
$400
Comparison rate:
24.24 – 46.68% per annum**
Interest rate:
8.99 – 29.99%
This interest rate is based on the Annual Percentage Rate (APR). Our APR is calculated daily by applying the daily APR and charged in arrears on the outstanding balance of your loan to the date your payment is due.
Other fees that may apply
Direct debit
dishonour fee:
$15.00
This fee is charged each time a direct debit is dishonoured.
Late fee:
$15.00
This fee is charged each time you defer your payment by more than 5 days from the original scheduled date.
Credit fees and charges
Establishment fee:
4 – 8% of the
principal borrowed
Comparison rate:
11.69 – 36.07% per annum***
Interest rate:
8.99 – 29.99%
This interest rate is based on the Annual Percentage Rate (APR). Our APR is calculated daily by applying the daily APR and charged in arrears on the outstanding balance of your loan to the date your payment is due.
Other fees that may apply
Direct debit
dishonour fee:
$15.00
This fee is charged each time a direct debit is dishonoured.
Late fee:
$15.00
This fee is charged each time you defer your payment by more than 5 days from the original scheduled date.
Note: Calculator results are an approximate guide to how much you can borrow and do not represent an offer from MoneyMe. An application is required to be made and assessed subject to our internal lending criteria, government regulations, and a successful credit history check.
Better value with MoneyMe
If you have a decent credit profile or good history with MoneyMe, you get rewarded with a lower cost. And if you're new to credit, we take a positive view on that and offer lower costs for you too.
How to improve your loan rating?
Each time you get a MoneyMe loan and repay on time, your history improves your MoneyMe loan rating and you may be able to borrow at a lower cost next time.
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