Personal loans
for

Credit made for you

Finance

Trusted by thousands of Australians

Estimate your
repayments

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

$

Monthly repayment from

$910.72

Example interest rate

6.25 %
p.a.

Comparison rate3

7.64 %
p.a.

Total charges

$1,857.28

Total repayments

$21,857.28

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.

Money Finance

Looking for hassle-free money finance? Choose MoneyMe, the online lender specialising in fast and painless financing whenever you need some fast cash. We don everything online – from loan application up to delivering your same-day funds for cash loans in Australia. Quick and easy, just like how everyday things should be.

How to finance your money?

Getting finance is easy when you choose MoneyMe. We offer personal loans and a line of credit all online. Our application process takes you just 5 minutes to complete and when you apply during business hours you can expect an answer within a matter of minutes too. Once you have accepted your new finance agreement and agree to either your variable monthly repayments for our same day loans or our line of credit terms for our Freestyle account, we transfer your funds immediately. Often this means, depending on who you’re banking with, that customers can have the money they need within the hour.

The hard part of seeking finance is choosing which type of credit works best for you. We have two financing options that you can choose from: variable rate personal loans and the Freestyle virtual Mastercard® with 55 days interest-free on purchases made.

The kind of credit you ultimately settle for will usually be determined by why you need to borrow money in the first place. Freestyle is a revolving line of credit that offers you a pre-approved finance amount up to $20,000. You can choose to use some or all of that credit and once you have repaid the credit that you have used, it becomes available to use all over again. This is a great option for people seeking a little extra cash throughout the month to use for everyday purchases or for keeping safe when big and unexpected expenses arrive. Things like car repairs, emergency travel, home repairs and other little life events can sometimes derail your savings plan and eat into your cash flow. When you have a revolving line of credit available you have peace of mind that whatever life throws at you, you have the funds to work your way through it.

Unlike the traditional credit card, Freestyle doesn’t live in your wallet with the rest of your plastic cards. Instead, it lives on your smartphone – the piece of equipment you’ll never leave home without – and is ideal for using in-store wherever Tap n Pay is accepted or shopping online. With 55 days interest free on purchases made this means that when you repay the credit balance you have used within the period; you are essentially using an interest free credit card

Getting the Freestyle online credit card takes the same amount of time as any of our finance products. Applications are completed all online and processed within minutes. The best bit? This type of account also allows you to transfer cash amounts to your everyday banking account or anyone else’s. So, if you need a little cash boost between pay cycles you know that you can get an instant loan from your pre-approved Freestyle credit account right when you need it. Easy money, easy life.

If a revolving line of credit isn’t exactly what you’re looking for then we have a host of other personal loans that you can take out instead. A personal loan is a lump sum payment in cash directly debited into your bank account. You are free to use that cash however way you need to and then pay the cash amount back to your credit provider over a nominated loan term and at a variable interest rate for the remainder of that term.

We try to tailor our quick cash loans to our customers, working with you to help you choose a finance amount and a repayment cycle that works best for you. Unfortunately, our express loans do not come with a redraw facility. Once you have repaid even some of the loan amount you cannot then opt for a personal loan redraw. You can, however, choose to refinance your personal loan instead. 

MoneyMe doesn’t charge customers early termination fees to close out your loan balance early. If you need to refinance an existing loan, then you can pay out whatever is left remaining on a current loan with us without excess fees. For more information check out our full terms and conditions online.

How much money do I need to finance a car?

If you’ve found your dream car and you’re looking for loans online to cover the cost, then the good news is that you don’t need any capital at all. Simply fill out our online application form (takes you just 5 minutes) nominating the amount you need to cover the cost of your new car. We process our applications lightning fast so you’ll probably have an answer within the hour if you have applied during our trading hours.

How to finance a small business with no money

Setting up a new business can be a costly, but exciting, venture. Being your own boss means really taking the driving seat. MoneyMe is a personal lender so we don’t finance businesses but that doesn’t mean you can’t get quick loans from us to help your business or to help you get started. Apply online today if you need a loan or call us on 1300 090 917 Monday to Friday 8 am to 9 pm or Saturday to Sunday 9 am to 9 pm. You can also live chat with a personal loan broker through our website or send us an email enquiry.

Ready to get started? Apply online via our website. We don’t need reams of paperwork and we probably won’t even need to call you. We use illion secure banking encryption to access your last 90-day statement via your online banking platform to instantly verify your application data.

Get easy money finance with MoneyMe today.

Our customers
LOVE us

Finance

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!

4.7/5

Review Stars Out of 2,701 reviews

View more

Transparent and
simple pricing

Interest rate

6.25 %
p.a.
to 19.95 %
p.a.

Comparison rate*

7.64 %
p.a.
to 21.32 %
p.a.

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

$10.00

Loan terms

Minimum 1 year

Maximum 5 years

Early exit fees

None

*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.

Ready to get
started?

Personal Loans are running hot!

55 people in the last 24 hours have applied

Freestyle is running hot!

55 people in the last 24 hours have applied

Debt Consolidation is running hot!

55 people in the last 24 hours have applied