Getting declined

Frequently asked questions

To be eligible for a loan, you must:
  • Have a good credit history with no major defaults
  • Have to be employed full time or part-time
  • Be an Australian citizen, New Zealand citizen, or permanent resident
  • Earn at least $30,000 per year from employment
  • Be at least 18 years old
We follow the law to ensure we lend responsibly. Our responsible lending practices ensure we follow legal requirements while using advanced technology to make fair and informed decisions.

For more details, visit the "Responsible Lending" section on the MONEYME website.
As a responsible lender, we approve loans only if we believe you can comfortably meet your repayments. Our decision is based on multiple factors, including:
  • Income and expenses
  • Other debt obligations
  • Employment stability
  • Credit history, including data from credit reporting bodies
At this stage, no enquiry has been placed on your credit file, so your credit score remains unaffected.