How does
it work?

Apply in minutes

Get an instant outcome with a cheaper competitive interest rate tailored to your credit profile

Select first withdrawal

Withdraw from as little as $100 and we'll send the money straight to your bank account

Affordable payments

We spread your payments over 12 to 24 months, which you can pay off earlier for free

Credit available 24/7

You can withdraw up to your line of credit whenever you want to

Things to know
about our costs

We believe in transparency and fair costs, with no hidden fees

Flexible with your payments

It doesn't cost anything to reschedule payments within a 7 day period. And you can repay your loan earlier, for free!

Always in the know

We remind you about your upcoming repayments, so you'll always be in the know. No surprises, no regrets.

Good credit history is rewarded

Credit is cheaper when you have a good credit profile and you have built your history with MoneyMe.

Things you should know

For a line of credit:

Fees and charge

Other fees that may apply

Example repayments

Interest rate from 16.99% to 25.99%*
Tailored to your credit profile and history
Credit limit approvals up to $10,000
Minimum withdrawal amount is $100
Monthly account fee of $9
Only applies if outstanding balance is over $20
Annual fee from $100 to $250
Based on your credit limit and rating

*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 oustanding balance of your loan to the date your payment is due.

Dishonour fee of $15
This is payable each time a direct debit is dishonoured on your commitment to make a loan repayment is not met.
Overdue account fee of $15
This is payable each time your account is not up to date by the end of the last day of the month.
Be confident knowing fees are capped so they won't keep adding up

Based on a revolving line of credit of $10,000 over 2 years
- Minimum interest rate of 16.99% p.a. (26.66% p.a. comparison rate^) with total cost of $6,421.40
- Maximum interest rate of 25.99% p.a. (40.73% p.a. comparison rate^) with total cost of $6,880.34

^Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.

Other fees that may apply

Dishonour fee of $15
This is payable each time a direct debit is dishonoured on your commitment to make a loan repayment is not met.
Overdue account fee of $15
This is payable each time your account is not up to date by the end of the last day of the month.
Be confident knowing fees are capped so they won't keep adding up

Example repayments

Based on a revolving line of credit of $10,000 over 2 years
- Minimum interest rate of 16.99% p.a. (26.66% p.a. comparison rate^) with total cost of $6,421.40
- Maximum interest rate of 25.99% p.a. (40.73% p.a. comparison rate^) with total cost of $6,880.34

^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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