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.


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

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.


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.