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Your repayments will consist of an establishment fee of $0 and interest of $0. The repayment amount is based on the variables selected, is subject to our assessment and suitability, and other important terms and conditions apply.*


*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

Why choose
MoneyMe?

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Completely online

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

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Quick decision

Complete our 3 minute application process to
get an outcome fast

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Competitive rates

Fairer rates tailored
to your credit profile
and history

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Fixed repayments

Self-manage your
repayments from within
your MoneyMe account

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Get cash today. Fast and simple loans online with no paperwork

There are times when quick and easy access to cash is really handy, especially for the purchase you just can’t wait for or perhaps you have an unexpected expense that just needs to be paid for.

Whatever your aspirations are, with MoneyMe you can apply for a cash loan online for any amount ranging from $2,100 up to $35,000.

With our fast online approval, you could get a cash loan today; then repay it according to your usual pay cycle. There are no sneaky hidden fees.

And if you need another online loan down the track, you can apply for a new one as soon as your current loan is paid off.

Easy online application

Applying for loans online is safe and simple- without the hassle of sending us paperwork like bank statements or payslips. This way we can give you a speedy response regarding your loan application.

To be eligible to apply you must be working in Australia and 18 years or older. Just so you know, we’re a responsible lender– we won’t lend you more money than we think you’re able to comfortably repay.

We’ll get back to you quickly

Once you’ve applied we’ll get back to you quick smart. Your money could be in your account in one hour or less…you could even receive your cash in seconds! This will depend on your bank, of course! So you’re aware, it generally takes a bit longer to approve your application outside of business hours.

Get started now with our 3-minute online loan application.

Things to know
about our costs

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

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Tailored rates

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

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Upfront and honest

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

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We're here for you

Our team is available to help 7 days a week

What our customers say

MoneyMe

4.79/5

40 reviews

1 review

4
01-12-2020

Quick and easy to deal with.

Like

1 review

5
24-01-2020

Excellent service.

Like

1 review

5
01-01-2020

Awesome service and easy to work out. I would refer MoneyMe to anyone for sure.

Like

1 review

4.5
27-12-2019

MoneyMe is really good, works well and the application is easy.

Like

1 review

5
24-12-2019

Very helpful, easy and faster than expected.

Like

1 review

5
20-12-2019

Good service and trustworthy.

Like

1 review

4.5
11-12-2019

I have just received my loan from MoneyMe. Not only was it an easy, painless, streamlined process, but the app also makes maintaining my repayments headache-free. I would highly recommend MoneyMe to anyone!

Like

1 review

5
06-12-2019

Fantastic to deal with

Like

1 review

5
03-12-2019

Great service and so fast.

Like

1 review

4
23-11-2019

Brilliant and excellent process - 11/10!

Like

1 review

5
03-11-2019

MoneyMe was easy to use and had a fast response. Thanks!

Like

1 review

5
28-10-2019

Excellent service.

Like

1 review

5
28-10-2019

The most amazing lender I've ever come across. I would definitely recommend this service to my friends and family. Thank you!

Like

1 review

5
18-10-2019

The loan was fantastic and really helped me through a stressful credit situation.

Like

1 review

5
17-10-2019

Very fast approval and great communication.

Like

1 review

5
03-10-2019

Quick and easy! Love it!

Like

1 review

4
30-09-2019

Quick and easy.

Like

1 review

5
25-09-2019

So easy, pain-free and very helpful process. I will be recommending you.

Like

1 review

4
22-08-2019

Fantastic, easy and fast.

Like

1 review

5
19-07-2019

Super happy with the money. It helped me solve my problems.

Like

1 review

5
18-07-2019

The best.

Like

1 review

5
18-06-2019

very good

Like

1 review

5
26-05-2019

Fast and easy

Like

1 review

5
11-05-2019

Nice and easy.

Like

1 review

5
09-05-2019

Great.

Like

1 review

1
24-04-2019

I'm pleased with your fast response to my request for a loan. Thank you.

Like

1 review

5
17-04-2019

Excellent service with no complications. Cutting-edge.

Like

1 review

5
17-04-2019

Excellent service and fast approval. After being rejected by the bank 2 times, you were the only one that accepted my application. I would definitely recommend you to anyone.

Like

1 review

5
26-03-2019

Best experience ever.

Like

1 review

4.5
22-03-2019

Great experience from start to finish! Had a slight issue with the repayment date but the consultant adjusted without hesitation! Would recommend to friends and family.

Like

1 review

5
18-03-2019

Extremely happy. Excellent service.

Like

1 review

5
16-03-2019

The application process was super quick and online.

Like

1 review

4.5
16-03-2019

Great experience.

Like

1 review

5
14-03-2019

It was fast, easy and suited my budget.

Like

1 review

5
14-03-2019

Very quick and easy. Made an application at night and money was in the bank the next day. Very pleased with loan term and repayments. Will definitely use again if ever in a bind.

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1 review

5
13-03-2019

The team is there to help people. The system is very good and the team is always ready to get you back on track. Thanks MoneyMe. Much appreciated!

Like

1 review

4.5
13-03-2019

Very happy with the service.

Like

1 review

5
07-02-2019

Great service

Like

1 review

5
05-02-2019

Excellent service, with a fair and balanced contract.

Like

1 review

5
12-01-2019

Love it.

Like

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98%

%

of customers
would recommend
MoneyMe to a friend

Ready to get started?

Loans up to $35,000 Approved Online | MoneyMe

Loans for millennials, by millennials

Our application process is completely online and paperless for loans up to $35,000. You can apply for a loan in as little as 3 minutes and could have money in your bank account in just a few seconds, depending on who you bank with. We’re simple, fast and completely transparent.

Learn more

Loans for millennials, by millennials

Our application process is completely online and paperless for loans up to $35,000. You can apply for a loan in as little as 3 minutes and could have money in your bank account in just a few seconds, depending on who you bank with. We’re simple, fast and completely transparent.

Welcome to the new generation of credit. Living in the twenty-first century is the best time to be alive. You have access to not only the bare essentials but to modern services that makes experiences faster and easier. Healthcare and fitness options are easy and accessible, and cross-training and career flexibility has never been this good. We want to travel; we want to professionally develop with college courses and university degrees. And not just experience one school of thought, but all of them.

You can cross hemispheres in less than a day, so why shouldn’t you have access to a personal loan in just a few minutes. With MoneyMe, you can. We offer fast cash loans from $2,100 to $35,000 which can be applied for using a quick online application. The process takes just a few minutes, and transfers for quick cash loans can take as little as seconds from the moment you sign the contract.

We believe in responsible lending and easy transactions – no paperwork or lengthy forms. Our loan application process uses machine learning and smart algorithms to do all the heavy lifting, meaning a fast and effortless experience for you. Simply find what you want, apply for the cash loan you need, and then you get it, fast.

Secured loans

When you apply with money lenders for any size loan, whether that’s small loans and short term loans, or larger loans like renovation loans, a student loan or car loans, the credit provider is going to want to know what kind of assets you own, what type of employment you have, how comfortably you can afford to repay the loan amount and whether you represent any risk for lending.

A secured loan is money borrowed that is backed by your personal assets, like a car or a property. This process of securing your personal loan helps to mitigate the risk assumed by the credit provider in the instance of you not repaying the loan, and therefore offers the credit provider a way of recouping any losses they incur in the event of a default. When you fail to make your repayments, it’s called a default.

MoneyMe makes informed lending decisions based your credit profile, bank statements, demographics and other factors that go into our machine learning and AI processes to ensure fairer, tailored outcomes. We don’t believe in quick judgments and we tailor our loans online for specific customers. It’s not a one-size-fits-all world so why should loans online or a line of credit work that way?

How secured loans work

For example, you applied for a $10,000 secured loan and have a car owned outright, worth about $8,000. Your credit provider will evaluate the risk of how likely you are to repay your loan based on the information drawn from your credit history and credit file, plus the worth of the asset you would like to secure your loan to. In their calculations, they will choose interest rates that reflect the level of risk they are assuming when they give you the money. The risk of your loan to a lender means loan offer might result in the amount requested or in some instances lower amounts. Given your credit history, they may offer you the $10,000 if you use your car as collateral. In some cases, they’ll need to reduce the loan offer if you don’t fit within their lending criteria and acceptable level of risk.

Unsecured loans

An unsecured loan is a loan that is offered based on your general daily expenses, employment income, savings and history with any credit options you have had. It may be that you’ve never had a bank loan or a credit card before, or you may have had some financial hurdles that required extra cash in hand. Here at MoneyMe, we use machine learning and AI to scan thousands of touch points, allowing our smart algorithms to provide fairer, tailored loans suited to your personal circumstances

We understand that sometimes life events just happen and when you’re trying to get on top of your finances, you need a little help.

Determining your rate

When we evaluate loan applications, we consider the whole picture. Changes to credit history information mean that lenders are now able to access a more comprehensive credit report. Unlike the old credit score model that would usually only include negative reporting, the new comprehensive report allows lenders to view positive credit behaviours. This will give you the opportunity to make your repayments on time and create a positive influence on your credit score..

How do you calculate loan repayments?

Understanding what fees and charges are involved with your loan, like an establishment fee or early termination fees, can be hard to get your head around. Here at MoneyMe, we don’t impose early exit fees for early repayments. You can pay out your loan in full before it’s due and we’ll be happy to close out your account ahead of schedule. When you’ve shown that you’re a low-risk credit customer who pays back what they owe regularly, or early, then you may be eligible for a better rate for your next credit product with us. We also don’t agree with hidden fees. We’re very transparent and explain everything we need from you before you sign a contract.

If you’re interested in knowing more about your repayment calculations, feel free to send us a message at hello@moneyme.com.au or you can give us a call on 1300 669 059. It’s also a good idea to consult MoneySmart, an Australian government website that helps people have access to relevant information and better manage their money. You can access budget calculators and a loan calculator to help you understand interest rates and how these affect your loan repayments.

Loans tailored to your financial needs

You can start your same day loan application online right now by completing our easy online form. When you apply online, we retrieve a read-only copy of the last 90 days of your bank statement using a secure and safe portal from our partner illion Open Data Solutions. Rest assured we do not store or have access to your banking details. They are protected by SSL encryption, the same encryption levels that your bank uses.

We can offer instant cash loans tailored to your financial circumstances. You can use our fixed-rate loans for a variety of purposes. Use it for purposes such as managing bills and debts, fast bond payments on a rental property, holiday and wedding deposits, or a quick cash advance while waiting for your next pay cycle. Our line of credit option acts like a virtual credit card and can be used for Tap n Pay in-store, online purchases and a redraw facility. With MoneyMe, we believe in easy money and you have the freedom to use it in any way you like.

We make it fast and simple to access personal loans when you need them. Start your application for loans online right now and get approved in minutes.

Manage your debts easily

Consolidation loans is a great way to manage your finances. It helps you simplify a large amount of loans by generating a fixed interest rate repayment schedule that will assist to move you out of unmanageable debt and into a much more stable credit. When you choose a consolidation loan to refinance, your prospective lender will look at how much you earn, what your living expenses are, and what your financial commitments are to multiple providers.

Generally speaking, when you consolidate your debts you end up paying less in repayments for a single loan than you would trying to pay off your other credit separately, as you swap multiple loans with higher interest rates with one loan with a better rate.

With MoneyMe, you can access personal loans online for consolidating your debt. And because we love rewarding our good customers, you may be eligible for an even cheaper interest rate on new loan offers if our system reflects a positive repayment history under your account.