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Our rates and fees


Credit fees and charges

  • Establishment fee of $400

  • Interest rate of 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.

  • Comparison rate of 24.24 – 46.68% per annum**


Other fees that may apply

  • Dishonour fee of $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 of $15.00

**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 example given and may not include all fees and different terms, fee or other loan amounts might result in a different comparison rate

Credit fees and charges

  • Establishment fee of 5 – 8% of the principal borrowed
    A minimum $400 establishment fee is applied and fFor larger loan amounts the establishment fee is capped at $1,2000

  • Interest rate of 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.

  • Comparison rate of 10.68% - 32.08% per annum***


Other fees that may apply

  • Dishonour fee of $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 of $15.00

***This comparison rate is based on our personal loan for an amount of $30,000 over 5 years and a $1,200 establishment fee.

WARNING: This comparison rate is true only for the example given and may not include all fees and different terms, fee or other loan amounts might result in a different comparison rate

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.

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.