Complete in minutes
Use your card instantly once approved.
Trusted by thousands of Australians
Trusted by thousands of Australians
Forget waiting a week for your card to arrive in the
mail, your virtual card is instantly available to use
once approved.
Fast online application with
approvals in minutes
Choose a credit limit to suit your
needs
(from $1,000 to $20,000)
Get the app to access all features
Use your virtual Mastercard® with
Pay later with up to 55 days
interest-free6
on purchases.
A rate from 14.99% p.a. to 19.99% p.a applies thereafter7
We understand there’s more than one way to pay.
From buying a pair of shoes to paying back your
mates for dinner.
Tap n Pay in-store
Shop online with your card details
Transfer money to any bank
account in seconds
Enjoy credit back offers at over 1,700 participating stores
when you pay with your Freestyle virtual card
We spread repayments over a maximum 5 year period
from your latest transaction, unlike banks who spread
it over decades to make you pay more interest.
Plus, we’ll always send you payment reminders to
avoid paying extra fees.
Limit
Up to $20,0005
Annual fee
Fee
Credit limit
$0
Up to $3,000
$49
$3,001 to $5,000
$149
$5,001 to $20,000
Monthly fee
$0
Balance under $20
$5
Balance over $20
Interest-free period
Up to 55 days6
Interest rate
A rate from 14.99% p.a. to 19.99% p.a (based on your credit score) applies thereafter7
*Other fees and charges may apply.
Nicole 
Sep 15, 2021
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.
Chris Sep 10, 2021
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.
Victoria Sep 2, 2021
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!
Nicole Sep 15, 2021
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.
Chris Sep 10, 2021
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.
Victoria Sep 2, 2021
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
Out of 2,701 reviews
Use your card instantly once approved!
Typically around 90 minutes
Fees and charges
3 This interest rate is based on the Annual Percentage Rate (APR). Our APR is calculated daily by applying the daily APR and charged in arrears on the outstanding balance of your loan to the date your payment is due.
Other fees that may apply
Example repayments
Based on a revolving line of credit of $20,000 over 5 years
4 Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.
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