Personal loans

Credit made for you

Loans Online

Trusted by thousands of Australians

Estimate your

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


Monthly repayment from


Example interest rate

6.95 %

Comparison rate*

8.34 %

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.

*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. 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. $495 establishment fee and $10 monthly fee applies. Comparison as of:06/06/2022

Loans Online

Taking out loans online is a convenient way to get the funds you need for urgent expenses. 

MoneyMe offers quick cash loans online that can help you take control of your finances. Our seamless online application process takes minutes, allowing you to receive the money in under an hour. Apply now!


Can you get a loan online?

Australia has no shortage of traditional and alternative lenders that grant loans online.

MoneyMe is one of the few credit providers that employ a completely digital application platform. We can help you obtain between $5,000 and $50,000 without the paperwork!

Our transparent repayment system lets you know exactly how much you owe and when it is due. You can check this information at any time through our intuitive dashboard, accessible through your smartphone. In addition, we employ an integrity-driven approach, so we want to ensure that our clients have constant access to accurate and complete information about their loan terms. 

MoneyMe has a range of unsecured loans online suitable for covering expenses such as tuition, home renovation, or car repair. We also offer bond loans for clients moving into private rental property. 

MoneyMe eliminates the hassle of paperwork when applying for loans online — no need to send over documentation on your payslip, bank statement, or proof of employment. Moreover, we get rid of lengthy phone interviews and other tedious procedures associated with traditional loan applications.

You can expect a response in just a few minutes if you apply during business hours! You will be able to access your line of credit instantly once approved. Apply today!


Can I apply for a car loan online?

MoneyMe offers unsecured car loans online to help you get on the road in the vehicle of your dreams. These car financing options don’t use the vehicle as collateral, meaning you don’t risk losing it in the unlikely event that you default on the loan. They also require much less paperwork compared to secured car loans.

The application process for our unsecured car loans is completely digitalised to save you time, money, and effort. You can get the funds in your account within minutes of applying for a loan!

We take pride in our reputation as the no-fuss alternative to traditional credit providers. So whether you want to ditch the bus or need an upgrade to accommodate new members of the family, we are here to help. 

A car purchase isn’t something you should do on impulse. It takes patience to find a suitable model and negotiate a fair price. But when you find a great deal, you must act fast. In that case, our quick and easy unsecured car loans online can help you jump on that deal as soon as possible!


How to get a loan online with bad credit?

Traditional credit providers are generally reluctant to approve applications that reflect a poor credit history since these applications pose a relatively high risk of defaulting on a loan. However, that doesn’t mean you can’t get a loan online with bad credit. 

There are plenty of alternative money lenders that provide bad credit loans in Australia. These lenders look beyond your credit history and assess other factors such as your income, living expenses, and other debts. However, it is worth pointing out that they often charge substantial interest rates because of the risk associated with bad credit borrowers. Moreover, they require plenty of paperwork, taking several days before you receive the funds. MoneyMe is setting new standards in this respect.


How to get a quick loan online with bad credit?

MoneyMe understands that it only takes a slip-up to lower your credit score. That is why we look at your loan applications on a case-by-case basis instead of banking everything on your credit rating. We don’t guarantee approval, but we will consider other crucial factors to formulate a loan decision that suits your financial standing.

Instead of requiring you to submit extensive paperwork, we only ask for your permission to view your most recent bank statements via This process is completely secure and gives us an idea of your typical income stream. We also consider other factors, including your income, living expenses, and other debt obligations, to arrive at a fair decision.

MoneyMe will only lend you as much as you can realistically afford to repay. If you regularly use our credit products and services while staying consistent with your repayments, you can build a good credit history with us, which will improve your chances of approval for greater loan amounts in the future.

We want you to get every chance of financial security through our transparent system. Thus, we designed our digital application process to be as easy as possible. You need a smartphone or computer and an internet connection. MoneyMe can process your loan application and send the funds to your account in less than an hour! 

You can use our intuitive personal loan calculator to see if one of our offerings is suitable for you. This tool can help you determine how much you can borrow from us. We also have a personal loan repayment calculator that can give you an idea of how much you may pay in interest based on your desired loan term.

It is worth noting that we won’t charge you a prepayment fee if you can afford to clear your loan balance before the agreed loan term duration. Apply now!

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 $5,000 up to $50,000.

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.

Our customers

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.

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.

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!


Review Stars Out of 2,701 reviews

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Awards and features

Transparent and
simple pricing

Interest rate

6.95 %
to 22.95 %

Comparison rate*

8.34 %
to 24.33 %

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


*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. 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. $495 establishment fee and $10 monthly fee applies. Comparison as of: 06/06/2022

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