Credit Score Tool
Track your score for free and learn how to improve it.
When applying for loans and credit, your credit score can affect your approval chances and the interest rate you're offered.
Check your score in the MONEYME app!
Subject to lender criteria and T&Cs
See what's on your credit file, how it's impacting your score and what you can do about it.
We keep track of your score history so you can see how your score changes over time. Watch it improve or spot when something has impacted it negatively.
Learn all there is to know about credit scores. We share useful tips and tricks on how to boost your score, how to avoid the common mistakes that will tank it, and much more.
The MONEYME app provides a fast and easy way to check your credit score in Australia, and it's completely free. Simply download the app, access your credit score and receive personalised insights to understand the factors that influence it.
Your credit score reflects your past credit use, repayment history, and the credit accounts you currently have. Late or missed payments can lower your score, while a history of consistent, timely repayments can increase your score over time. In simple terms, a high credit score demonstrates your trustworthiness to lenders and can help you access better loan terms and a lower interest rate.
Here's how checking your credit score can help you take control of your finances:
With no impact to your credit score
Award-winning lender
Application process was very simple and then funds transferred almost instantly. Emails communicated instructions very clearly. Constant communication all the way along and app and website worked really well.
I think moneyme is very easy to work with, very helpful and went out of their way to make my loan go thru faster as I needed it to happen quickly, and a very fair rate, definitely a 5 star rating, Thank you MONEYME
Had funds within 2hrs of application. Fantastic experience!
The entire process was incredibly fast, easy and stress-free from start to finish. I signed the contract and literally within seconds the funds were in my account. MONEYME exceeded my expectations. Without a doubt one of the best lending experiences I've ever had. I'll definitely be back and would highly recommend them to anyone looking for quick, hassle-free finance.
I cannot believe how easy the process was. I had the money in my account in under 3 hours from the time I applied! I had argued with my bank for a week before I found MONEYME I would recommend this company to everyone.
The entire process was smooth, quick, and stress-free. The team was professional, friendly, and explained everything clearly, making it easy to understand my finance options. They kept me updated throughout the process and worked hard to get my loan approved as quickly as possible. I would definitely recommend them to anyone looking for reliable and efficient car finance services. Thank you for making my car purchase so easy!
In assisting me with finance and recently refinancing my car loan to be able to upgrade my car. I would recommend them when looking for a loan company either for personal or car finance.
If you're looking for a finance company that's efficient, transparent, and easy to deal with, I'd definitely recommend MONEYME. Really happy with the service and overall experience!
Their rates were the best I could find, and they suited my needs perfectly for a business car loan. The process was straightforward, communication was excellent, and everything was handled efficiently. I'm very satisfied with the service and would happily recommend MONEYME to anyone looking for a competitive and reliable lender.
The process was super easy to follow online and even better they were super quick and reliable with moving the process along. It took me just 1 day to complete and have my loan approved!
Loan application that was approved quickly and competitive interest rate that has no penalties for extra or early payments. Also with the use of an app for easy repayments and to keep track of the loan.
Very informative, and very helpful and very fast with approval, i think it took about 2 days in total from applying to funds in my account and paying for the car, the loan term was also better than i expected and the repayments less than i thought, would highly recommend
I've been with them for years and they are consistently great to speak with and the service is fantastic too. Never had a problem. Highly recommend
Hey everyone just sharing my experience through money me finances which I applied for loan it was smooth reliable and trusted with good interest rates and also easy to get loan in couple of minutes highly appreciated definitely would recommend anyone going for loan.
Well I've been with MONEYME for the last 5yrs so helpful and easy to deal with hence why ive not so long ago been approved for another loan from you guys so thankyou for helping me out as im enjoying my new ride
Application process was very simple and then funds transferred almost instantly. Emails communicated instructions very clearly. Constant communication all the way along and app and website worked really well.
I think moneyme is very easy to work with, very helpful and went out of their way to make my loan go thru faster as I needed it to happen quickly, and a very fair rate, definitely a 5 star rating, Thank you MONEYME
Had funds within 2hrs of application. Fantastic experience!
The entire process was incredibly fast, easy and stress-free from start to finish. I signed the contract and literally within seconds the funds were in my account. MONEYME exceeded my expectations. Without a doubt one of the best lending experiences I've ever had. I'll definitely be back and would highly recommend them to anyone looking for quick, hassle-free finance.
I cannot believe how easy the process was. I had the money in my account in under 3 hours from the time I applied! I had argued with my bank for a week before I found MONEYME I would recommend this company to everyone.
The entire process was smooth, quick, and stress-free. The team was professional, friendly, and explained everything clearly, making it easy to understand my finance options. They kept me updated throughout the process and worked hard to get my loan approved as quickly as possible. I would definitely recommend them to anyone looking for reliable and efficient car finance services. Thank you for making my car purchase so easy!
In assisting me with finance and recently refinancing my car loan to be able to upgrade my car. I would recommend them when looking for a loan company either for personal or car finance.
If you're looking for a finance company that's efficient, transparent, and easy to deal with, I'd definitely recommend MONEYME. Really happy with the service and overall experience!
Their rates were the best I could find, and they suited my needs perfectly for a business car loan. The process was straightforward, communication was excellent, and everything was handled efficiently. I'm very satisfied with the service and would happily recommend MONEYME to anyone looking for a competitive and reliable lender.
The process was super easy to follow online and even better they were super quick and reliable with moving the process along. It took me just 1 day to complete and have my loan approved!
Loan application that was approved quickly and competitive interest rate that has no penalties for extra or early payments. Also with the use of an app for easy repayments and to keep track of the loan.
Very informative, and very helpful and very fast with approval, i think it took about 2 days in total from applying to funds in my account and paying for the car, the loan term was also better than i expected and the repayments less than i thought, would highly recommend
I've been with them for years and they are consistently great to speak with and the service is fantastic too. Never had a problem. Highly recommend
Hey everyone just sharing my experience through money me finances which I applied for loan it was smooth reliable and trusted with good interest rates and also easy to get loan in couple of minutes highly appreciated definitely would recommend anyone going for loan.
Well I've been with MONEYME for the last 5yrs so helpful and easy to deal with hence why ive not so long ago been approved for another loan from you guys so thankyou for helping me out as im enjoying my new ride
Process was easy and quick- very convenient. Rates were also much better than what the banks offer.
Excellent communication culminating in a very quick transaction. Would use them again without hesitation.
I found MONEYME to be straightforward. The whole process from applying to approval was quick and done with ease. The app is easy to understand and effortless. Well done to MONEYME.
Great financial group. I have had 2 personal loans and they could not do enough to help me. If I need to, I would do it all again with MONEYME. Thank you
I have had numerous loans with MONEYME; the process is quick, the service is great, and that's why I keep coming back. Highly recommend.
We've used MONEYME for 5 years and funded various vehicles with them. Their honesty, expertise and speed is the best in the market. With a recent purchase they approved and settled all within hours. Their process and rates are amazing. Thanks Cam and the MONEYME team.
My experience with MONEYME was very simple and convenient, and I was impressed with how fast they approved my loan request. The interest rates were reasonable which I appreciate and the repayments for me are more than manageable.
I have never struck a lender so easy to get along with , then coupled by a top broker sam smith, if you need a lender i would give these guys an 11 out of 10 , fantastic
Our bank who we already had a mortgage with was being difficult despite clearly being able to see that we put $1000 extra per fortnight into our mortgage, moneyme had our application approved and money in our account within 24hours.
I am only at the beginning of my finance and the process has been very straight forward. I was recommended MoneyMe because I plan to pay out my finance early and like the fact I can do that without getting whacked with extra fees and interest!
What a pleasure working with MONEYME. Their service and expertise were beyond expectations. Thank you for making this process so easy and simple.
The application process was straightforward, quick and simple, the interest rate was very competitive and the funds were available immediately after approval.
From start to finish the whole experience was flawless and they definitely went above and beyond to get me the product I really wanted well done to Peter and luke great job guys I'll be sure to return when time is right thank you a million times
Straight forward application, information requests easily accessed from my phone, quick response times and funds where in my account with 24hours. Thanks MONEYME ⭐⭐⭐⭐⭐rating
Process was easy and quick- very convenient. Rates were also much better than what the banks offer.
Excellent communication culminating in a very quick transaction. Would use them again without hesitation.
I found MONEYME to be straightforward. The whole process from applying to approval was quick and done with ease. The app is easy to understand and effortless. Well done to MONEYME.
Great financial group. I have had 2 personal loans and they could not do enough to help me. If I need to, I would do it all again with MONEYME. Thank you
I have had numerous loans with MONEYME; the process is quick, the service is great, and that's why I keep coming back. Highly recommend.
We've used MONEYME for 5 years and funded various vehicles with them. Their honesty, expertise and speed is the best in the market. With a recent purchase they approved and settled all within hours. Their process and rates are amazing. Thanks Cam and the MONEYME team.
My experience with MONEYME was very simple and convenient, and I was impressed with how fast they approved my loan request. The interest rates were reasonable which I appreciate and the repayments for me are more than manageable.
I have never struck a lender so easy to get along with , then coupled by a top broker sam smith, if you need a lender i would give these guys an 11 out of 10 , fantastic
Our bank who we already had a mortgage with was being difficult despite clearly being able to see that we put $1000 extra per fortnight into our mortgage, moneyme had our application approved and money in our account within 24hours.
I am only at the beginning of my finance and the process has been very straight forward. I was recommended MoneyMe because I plan to pay out my finance early and like the fact I can do that without getting whacked with extra fees and interest!
What a pleasure working with MONEYME. Their service and expertise were beyond expectations. Thank you for making this process so easy and simple.
The application process was straightforward, quick and simple, the interest rate was very competitive and the funds were available immediately after approval.
From start to finish the whole experience was flawless and they definitely went above and beyond to get me the product I really wanted well done to Peter and luke great job guys I'll be sure to return when time is right thank you a million times
Straight forward application, information requests easily accessed from my phone, quick response times and funds where in my account with 24hours. Thanks MONEYME ⭐⭐⭐⭐⭐rating
With no impact to your credit score
A credit score is a number that demonstrates your credit history and financial habits. Lenders use this score to assess your risk as a borrower and determine whether or not to lend you money, and if so, at what interest rate. A higher credit score generally indicates a lower risk to the lender, which can result in more favourable loan terms.
Find out why so many Australians choose our app to build brighter financial futures.
All-in-one app: The MONEYME app makes it simple to perform a free credit score check in Australia and explore other products.
User-friendly: Forget financial jargon and confusing products. We make understanding your credit score easier than ever.
Personalised insights: Get more than just a score. Use our in-depth insights and actionable advice to boost your creditworthiness.
Trusted by thousands: Join thousands of Australians on the MONEYME app.
A sustainable choice: MONEYME is committed to using business as a force for good and meeting high social and environmental standards..
Checking won't impact your score, so what are you waiting for? Download the MONEYME app to check your score in seconds.
At MONEYME, we're not just here to provide low rate loans - we're here to make a difference. We believe in providing smart, responsible lending that keeps you financially on track, whilst doing good for the planet.
As a Certified B CorporationTM we're big on sustainability. We hold ourselves accountable to the high standards of the B Corp movement, supporting renewable energy projects, doing our part for the community, and striving towards a greener future.
Explore our impact
We sponsor a child on behalf of every Australian employee. All of these children live in the same community in Uganda, called Busakira.
*Loan terms range from 3 to 7 years. Annual Percentage Rates (APR) from 6.24% p.a. (comparison rate from 6.95%). The maximum APR is 26.10% p.a. (27.49% p.a. comparison rate). Representative example: a loan of $30,000 over 5 years with an interest rate of 9.44% p.a. (10.82% p.a. comparison rate) would require monthly repayments of $649.56, with total repayments of $38,973.48, including a $495 establishment fee and a $10 monthly fee. Rates displayed are for customers with an excellent credit history. For other borrowers, an establishment fee of $395 or $495 will apply, based on loan amount. A $10 monthly fee applies to all personal loans.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
MONEYME acknowledges Aboriginal and Torres Strait Islander peoples as the first people and Traditional Custodians of the land and waterways throughout Australia. We recognise their continued connection to culture, community and Country, and pay our respects to Elders past and present. Learn more about our commitment here.
Our business hours
Sydney/Melbourne time
Customers
Monday - Friday
8AM-7PM
Saturday
9AM-6PM
Sunday
Closed
Partners
Monday - Friday
8AM-5PM
Saturday & Sunday
9AM-3PM
Customer support
Copyright 2026 l MoneyMe Financial Group Pty Ltd l ABN 40 163 691 236 l Australian credit licence number 442218 | Credit criteria, fees, charges, terms and conditions apply.
