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Easy Finance

Personal loans for

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Award winning lender

Winner of Canstar's Innovation
Excellence Award 2022*

Winner of Canstar's Innovation Excellence Award 2022*

Estimate your

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


Monthly repayment from


Example interest rate

9.20 %

Comparison rate*

10.58 %

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. The interest rate for this product is variable and subject to change. Any calculations made by you using this calculator is intended as a guide only.

Easy Finance up to $50,000

Get easy finance from MoneyMe in a matter of minutes. We offer customers variable rate personal loans of up to $50,000 and a great rate Freestyle virtual Mastercard® up to $20,000. As a tech-driven ending company, we offer customers quick cash loans and an online credit card using our fully online loan application, taking just a few minutes to complete. You can even have a same day loan when your application is received within business hours. Once you receive and digitally sign your new loan contract, your new funds are transferred same-day. Depending on who you bank with, this could mean that your funds are received within the very same hour. Easy finance and fast cash, that’s what MoneyMe is all about.

What is easy finance?

We offer a range of express loans up to $50,000 all online. Looking for a smaller loan amount like a $5000 personal loan? Perfect. We can help you with that too. Easy finance is about ensuring that you get the fast cash you need sooner rather than later to help you cover all of life’s little expenses like emergency car repairs, booking your yearly holiday or even a personal loan to pay off a credit card.

Moving to a new house? We can help with that too. If you’re changing rental properties, you can sometimes have to fork out quite a bit of money upfront. You will have the bond to pay for the new property and then advance rent before you actually move in. For the old place, you might need to pay for some professional cleaners and fumigators. Then there are removalist costs on top of that. Even if you’re moving alone, you might need to hire some help or a ute or trailer. All of these expenses add up and your regular pay packet may not be able to cover everything and leave you with enough to live on. So, instead of straining your cash flow and sacrificing life’s little luxuries, get easy finance from MoneyMe instead and either repay your borrowed amount in your own time using our Freestyle virtual credit card or choose a variable rate personal loan with a set loan term and repayments.

Where can I get easy finance loans?

Personal loan eligibility from MoneyMe means that applicants must be at least 18 years of age, employed and a permanent resident in Australia. Your application form will take a few minutes to fill out. Like any other money lender with an Australian Credit Licence, we ask you for some standard details like your current salary, how long you’ve been employed, what your living expenses are and what loan amount you’re looking for. We offer low doc personal loans which means that we don’t need reams of paperwork nor do we need to call your employers. Instead, we verify all of your application details immediately at the time of your application using fast and read-only access to your online banking account.

Our loan repayments are tailored to suit your pay cycle. They’re easy to budget for and you can use a range of online tools like a personal loan calculator to help you work out some indicative repayment amounts before you apply. It’s always a good idea to do a personal loan comparison Australia before opting for a credit provider to ensure that you really are getting the best deal.

When using an online loan calculator, the interest rates can be adjusted up or down to let you know how much of your loan repayments will go toward paying the interest charged on your loan before you actually start repaying the principal amount you have borrowed. This is really helpful to gauge what kind of fees and charges are incurred over the whole life of your loan. The lower the interest rate, the lower the associated fees and charges will be. 

At MoneyMe, we have our own credit score scale which we apply to all of our customers. When you have repaid a loan in full with MoneyMe, and we have a history of solid repayments from you, we will adjust your credit score so that the next time you apply for quick loans with us, you qualify for a better rate.

Other things to consider when you apply for quick cash loans with MoneyMe include what else you are currently paying like credit cards, other debt and bills, rent and general living expenses. We believe in responsible lending which means that we don’t lend money to people will have difficulty repaying it. It’s not fair on you or us. Instead, we like to tailor our loan products so that they’re manageable and comfortable for you, even our low income personal loan options. 

For larger amounts and long term personal loans like student loans covering the cost of university and college courses, it’s important to accurately estimate your living costs so you can accommodate the new repayments you’ll have to pay. This might mean making some adjustments and tightening your belt a bit. If you’re having trouble managing bills and need some easy loans to help you get you back on your feet, we can help you find a loan product that will suit what you need. Remember, your credit score with us goes up every time you complete a repayment cycle and finalise your old loan with us. A short term loan is a great way to get some good credit history behind you and show lenders like us that you’re sensible, reliable and less risky to lend to. We also don’t charge our customers early exit fees if you repay your loan sooner.

What credit score do you need for easy finance?

To be eligible for easy finance from MoneyMe, you will need a good credit score, but we do take into account as many factors as possible when we assess applications. If you’re not sure what your credit score currently is then it’s quick and easy to get a copy of your credit file online and it’s free. 

Apply online today for easy finance from MoneyMe for personal loans of up to $50,000 or our Freestyle virtual Mastercard® up to $20,000.

Our customers

Easy Finance

Fast, fair and easy. Very happy customer. Happy to get another loan in the future from MONEYME.

Simple process, easy to follow application, quick response time and good support.

I was impressed with how easy and quick the application was. Very happy with their customer service, and the app is very convenient.


Review Stars Out of 2,701 reviews

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Transparent and
simple pricing

Interest rate

9.20 %
to 25.20 %

Comparison rate*

10.58 %
to 26.58 %

Establishment fee
(Direct applications)

$395 for loans between $5,000 and $15,000

$495 for loans between $15,001 and $50,000

Monthly fee


Loan terms

Minimum 3 years

Maximum 5 years

Early exit fees


Ready to get

Won’t impact your credit score!
Won't impact your credit score!

Personal Loans are running hot!

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