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Cost calculator
We only lend what 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 $.... The cost is made up of an ...% establishment fee and and interest of $... 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:
$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
Dishonour fee:
$15.00
This fee is charged each time a direct debit is dishonoured or your commitment to make a loan repayment is not met.
Overdue account fee:
$15.00
This fee is charged each time your account is not up to date by the end of the last day of the month.
**This comparison rate is based on our medium loan for an amount of $2,500 over 2 years and a $400 establishment fee.
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
Credit fees and charges
Establishment fee:
5 – 8% of the
principal borrowed
For larger loan amounts the establishment fee is capped at $1,000
Comparison rate:
10.4% - 31.7% 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
Dishonour fee:
$15.00
This fee is charged each time a direct debit is dishonoured or your commitment to make a loan repayment is not met.
Overdue account fee:
$15.00
This fee is charged each time your account is not up to date by the end of the last day of the month.
***This comparison rate is based on our personal loan for an amount of $30,000 over 5 years and a $1,000 establishment fee.
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
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.
Ready to get started?
Credit limit fees and charges
We’re fair, simple and transparent
Fees and charges
Interest rate from 16.99% to 25.99%*
Tailored to your credit profile and history
Credit limit approvals up to $10,000
Minimum withdrawal amount is $100
Monthly account fee of $9
Only applies if outstanding balance is over $20
Annual fee from $100 to $250
Based on your credit limit and rating
*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
Dishonour fee of $15
This is payable each time a direct debit is dishonoured or your commitment to make a loan repayment is not met.
Overdue account fee of $15
This is payable each time your account is not up to date by the end of the last day of the month.
Be confident knowing fees are capped so they won’t keep adding up
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.
Ready to get started?
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