The smarter, faster
way to borrow

How Much Can I Borrow?


The new type of credit card

  • Credit limit up to $10,000
  • Tap n Pay or shop online interest-free
  • Withdraw to your bank
  • Easy fortnightly or monthly repayments

Personal loan

For the bigger things in life

  • From $2,100 to $35,000
  • Straight to your bank fast
  • Easy fortnightly or monthly repayments

Why choose


Completely online

No fuss, no paperwork.
Get up to $35,000
in minutes


Quick decision

Complete our 3 minute application process to
get an outcome fast


Competitive rates

Fairer rates tailored
to your credit profile
and history


Fixed repayments

Self-manage your
repayments from within
your MoneyMe account


Calculate How Much You Can Borrow

Asking the question “How much can I borrow?” is the first step when considering taking out a loan. It’s important to assess your financial situation carefully before taking out a loan, to ensure you can comfortably repay the loan without any issues down the track. To help you with this, MoneyMe provides a free borrowing calculator tool that helps you calculate the repayments that might be expected of you if you are approved for a personal loan.

Calculating Your Borrowing Capacity

On this page you’ll find the borrowing calculator tool where you can select your preferred loan amount, loan repayment period, MoneyMe credit rating, and repayment frequency. We advise that you try a few different combinations of these different inputs, to best understand your range of options when taking out a personal loan with MoneyMe.

Another way to assess whether a personal loan is right for you is to add up all of your liabilities (such as regular expenses or other debt), then compare this amount with your income. Provided your income is the higher of the two amounts, the greater the gap between your income and your liabilities, the more comfortably you should be able to support the loan. This will also result in a higher likelihood of your loan being approved.

Factors That Affect Borrowing Capacity

Other factors that a lender might consider when you apply for a loan are whether your work is full time or part time, whether you have outstanding bills, and whether you have a good credit history.

When you apply for an unsecured loan, the lender might also consider what you’ll be using the loan for, and even whether you have dependents. But at MoneyMe we keep things simple with our unsecured loans by simply assessing your total income against your liabilities, and looking out for responsible spending habits that give us confidence that you’ll be able to repay your loan.

How Do I Get Started?

You can start the process right away by checking what loan amount, period and frequency you can afford, by using the borrowing calculator found on this page. If you find a repayment amount and period that suits your financial situation, you will have worked out how much you can borrow. Then click “Apply Now”, enter the required personal details, and complete your application within minutes.

Things to know
about our costs

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


Tailored rates

We look at more than just your credit score to give you a fairer, cheaper credit offer


Upfront and honest

We're transparent about our costs, with no hidden fees or charges


We're here for you

Our team is available to help 7 days a week



of customers
would recommend
MoneyMe to a friend

Ready to get started?