About MONEYME
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Debt consolidation up to $70,000
Consolidate your debts into a bank-beating loan
You could get a better interest rate, lower monthly repayments and save on interest.
Variable rate from
5.99
%
p.a.
p.a.
Comparison rate from*
6.70
%
p.a.
p.a.
Takes minutes with no impact to credit score
Simple terms.
No hidden fees.Simple terms. No hidden fees.
$0
Early repayment fee
Want to pay off early and save on interest? You can with us.
$10
Monthly fee
Simple, transparent pricing. Never any hidden extras.
$395
Establishment fee
Spread across repayments. $495 for loans over $15,000.
3-7 years
Loan durations
Choose a repayment term that suits your lifestyle.
$70,000
Max loan amount
Choose your loan amount from $5,000 to $70,000.
$0
Early repayment fee
Want to pay off early and save on interest? You can with us.
$10
Monthly fee
Simple, transparent pricing. Never any hidden extras.
$395
Establishment fee
Spread across repayments. $495 for loans over $15,000.
3-7 years
Loan durations
Choose a repayment term that suits your lifestyle.
$70,000
Max loan amount
Choose your loan amount from $5,000 to $70,000.
With no impact to your credit score
Get ahead with debt consolidation
Save on interest and fees
Combine expensive debt into a low-rate personal loan
Lower your monthly repayments
Choose a loan term that works with your budget
Simplify your finances
Consolidate your debt into one easy-to-manage repayment
No early repayment fees
Want to pay off your debt consolidation loan faster? You can.
Low rates that
beat the banks
Get a better a deal with our bank-beating rates.
MONEYME
from 6.70% p.a.
CommBank
from 8.40% p.a.
ANZ
from 8.40% p.a.
NAB
from 8.40% p.a.
Westpac
from 8.88% p.a.*
Click here for important information on comparison rates. All rates are for variable rate loans, unless noted with an asterisk (*), which indicates a fixed rate loan. Comparison excludes short-term promotional rates. Last updated 26/08/25.
Ready to get a quote?
Find out your rate and repayments in under 90 seconds
With no impact to your credit score
Make life easy with one lower monthly repayment
Forget juggling multiple debts and not knowing when or how much you're going to be charged next. With debt consolidation, you can simplify your debts into one easy to manage, lower monthly repayment.
With no impact to your credit score
Get a debt consolidation quote in minutes
Check what your interest rate and repayments would be with an obligation-free debt consolidation quote. It takes just a few minutes and won't impact your credit score.
1
Check your rate and repayments
You can get a conditional loan offer in just minutes
without impacting your credit score!
2
Submit your application
Review your loan offer, accept it, and you'll get an
outcome typically within 60 minutes.
3
Same-day funding
Once approved, we'll transfer the money to your bank
account immediately, even on weekends.
With no impact to your credit score
Trusted by over 110,000 Aussies
Wonderful experience and efficient service
Quick turnaround in terms of the loan application outcome. Had great experience with MoneyMe as this is my second time with the company
ZakJul 1, 2024
Item 1 of 16
With no impact to your credit score
What is debt consolidation?
Debt consolidation is when you take out a loan to pay off your existing debts, such as loans or credit cards, leaving you with one monthly repayment to manage instead of several repayments and due dates.
Debt consolidation can often help you save on interest rates and fees, reducing the overall cost of your debt. It can also lower your monthly repayments, making your debt easier to manage.
At MONEYME, we make it easier to manage your finances. Our award-winning debt consolidation loans come with flexible, transparent terms designed to suit your budget. And, with our fast online application and approval process, you can receive your funds the same day.
With low rates and no early repayment fees, a MONEYME debt consolidation loan can be a smarter way to manage your debt. Get a no-obligation quote today and explore your options.
With no impact to your credit score
Using your debt consolidation loan
A MONEYME debt consolidation loan gives you the flexibility to combine and repay a wide range of existing debts in one simple, structured loan.
This includes:
Credit card balances
Personal loans
Car loans
Retail finance
Payday loans or short-term credit
Medical or dental bills
Whether you’re looking to reduce interest, simplify repayments or get back in control, consolidating your debt into one loan could be a smart option.
Benefits of debt consolidation
Debt consolidation lets you consolidate multiple debts into a single, simplified loan, giving you peace of mind that you only need to meet one repayment each month. No more juggling multiple repayments and due dates!
In many cases, debt consolidation will also reduce how much you pay overall, as you’ll only be paying interest on a single, lower rate loan. This is especially true if you consolidate higher-interest debt such as credit cards. Plus, consolidating multiple debts into one can help you save on account fees.
At MONEYME, we provide low, personalised interest rates based on your credit score and other factors. You can get a fast online quote to see your interest rate and exactly how much you’ll pay each month before you start the application process, all without impacting your credit score.
There are no hidden costs or early termination fees, and if your application is approved, we’ll send your funds straight away.
As a Certified B Corp, we’re proud to make a difference for our customers. If you’d like some extra support, our team is here to help. You can call on 1300 072 042, email us at hello@moneyme.com.au, or send us a message via LiveChat.
Easily managed with
your app
Manage your one repayment, view your balance
and even get access to our other products and
special offers.
Purpose-driven
and responsible
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
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. 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 2025 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.