Personal loans

Credit made for you

Credit Card Fast Approval

Trusted by thousands of Australians

Estimate your

Find out how much your repayments and
interest rate could be with our calculator


Monthly repayment from


Example interest rate

6.25 %

Comparison rate3

7.64 %

Total charges


Total repayments


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.

Credit Card Fast Approval

How to get approved for a credit card fast?

A credit card fast approval application at MoneyMe can be completed online in a matter of minutes. Unlike loans from other money lenders, our credit card fast approval and other services allow you to withdraw cash as you need it. 

Use it to transfer cash directly to your account or pay for big-ticket items such as a home renovation project and bills straight from our MoneyMe app. No matter what comes your way, you can count on it to keep your cash flow healthy and secure.

You undergo the same review process as our personal and other online loan customers when applying for our credit card fast approval. To determine your eligibility for our credit card guarantee approval, we consider other factors, including your credit history, income, debt obligations, and living expenses. 

Our approval process includes assigning you a MoneyMe loan rating based on your credit report and history. Moreover, our rates are fair and tailored to meet your needs so that you can comfortably pay back any loans you take out – no hidden fees or secret conditions when you apply with us.

Your MoneyMe loan rating may improve each time you obtain fast cash or same-day loans and make your credit card repayments on time. We can re-evaluate your account and see if it reflects a positive repayment history, allowing us to offer you better loan terms and lower interest rates.

How to check if I am eligible for a credit card?

To qualify for a credit card fast approval or any of the MoneyMe credit products, you must be employed, over 18 years old, and a resident of Australia.

The application process for our quick credit cards is entirely online, with no paperwork required. In the same way as you, we dislike waiting in long lines and filling out lengthy forms. 

When you apply for an online credit card approval with us, we verify your information by asking for proof of your online bank statement. We have access to them through our secure portal as read-only PDFs with a 90-day expiration date. 

Our criteria for deciding on your virtual credit card application will be based on your personal information, employment details, earnings details, and spending details. Our program is fair, simple, and straightforward.

Get a result in minutes and start using your credit card fast approval right away. Your contract can even be signed digitally. We make it easier than ever for consumers to get funding through our same-day credit card!

How long does it take to get a credit card?

MoneyMe’s credit card fast approvals can be yours the same day you apply. With our highly intuitive credit card fast approval application online, our company is a wholly online lender dedicated to offering customers the fastest and most convenient way to apply for a credit card. 

We are dedicated to saving you both time and frustration with our fast approval loans and application for personal or business credit cards. Get approved within one hour when you apply during business hours for our line of credit or fixed-rate personal loan online and get your easy finance option the same day.

If approved, you can obtain instant loans through our credit card fast approval, accessing your smartphone. In minutes, you can apply for easy money in-store or online without any lengthy paperwork. 

Our MoneyMe account works similar to a regular credit card by allowing you to access revolving credit funds. With flexible repayment options, you can get a small loan instantly on an already approved credit account. You are in control of paying back your credit line. 

Pay the minimum monthly repayment charges or pay off your credit balance in one go – flexibility when and if you need it. MoneyMe offers a complete range of credit options for residents of Australia.

What are the benefits of using a credit card?

Easy access to credit. The biggest advantage of a credit card fast approval is easy access to credit. Credit cards function on a deferred-payment basis, which means you get to use your card now and pay for your purchases later. The money used does not go out of your account, thus not denting your bank balance every time you swipe.

Incentives and offers. Our easy approval credit cards come packed with offers and features (MoneyMe Perks) to help you save. These range from cashback to rewards point accumulation, allowing you to gain some credit back when making purchases. It’s like earning a small commission from purchasing items.

Record of expenses. Our credit card fast approval records each purchase made through the card through our effective MoneyMe app. This can be used to determine and track your spending and purchases, which could be useful when working out a budget or for easy finances when managing taxes. 

Purchase protection. Our credit cards at MoneyMe provide additional protection for card purchases or assets in the form of insurance for loss, damage, or theft. It may be possible to vouch for the veracity of a claim by using your credit card statement.

Our customers

Credit Card Fast Approval

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.

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.

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!


Review Stars Out of 2,701 reviews

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Transparent and
simple pricing

Interest rate

6.25 %
to 19.95 %

Comparison rate*

7.64 %
to 21.32 %

Establishment fee

$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

Monthly fee


Loan terms

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.

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