Why choose MoneyMe?

What can you expect

What do repayments look like?


Lucy, 38

8.99% p.a. interest rate

12.36% p.a. comparison rate*

Excellent credit rating

Borrowed $17,000 over 5 years

Monthly repayments: $370.58


Matt, 29

19.25 % p.a. interest rate

21.12% p.a. comparison rate**

Fair credit rating

Borrowed $6,500 over 3 years

Monthly repayments: $258.33




*This comparison rate is based on our personal loan for an amount of $10,000 over 3 years wich includes a 5% establishment fee.

**This comparison rate is based on our personal loan for an amount of $30,000 over 5 years and an 8% (capped at $1,200) establishment fee.

WARNING: These comparison rates are 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.


Things you should know

For an unsecured personal loan of:



Medium Loan From $2,100 to $3,000

Repayment period:

• Minimum 12 months    • Maximum 24 months

Based on an unsecured loan of $2,500 over 2 years:

  • Minimum interest rate of 8.99% p.a. (16.78% p.a. comparison rate*). The total repayment is $2,960.07, which includes $2,500 principal, $200 establishment fee and $260.07 interest.

  • Maximum interest rate of 29.99% p.a. (38.50% p.a. comparison rate*). The total repayment is $3,622.82, which includes $2,500 principal, $200 establishment fee and $922.82 interest.

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

Personal Loan From $3,001 to $50,000

Repayment period:

• Minimum 12 months    • Maximum 60 months

Based on an unsecured loan of $30,000 over 5 years:

  • Minimum interest rate of 8.99% p.a. (10.68% comparison rate*). The total repayment is $38,850.56, which includes $30,000 principal, $1,200 establishment fee and $7,650.56 interest.

  • Maximum interest rate of 19.25% p.a. (21.12% p.a. comparison rate*). The total repayment is $48,818.59, which includes $30,000 principal, $1,200 establishment fee and $17,618.59 interest.

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

Things you should know

For a line of credit:



Fees and charge

  • Interest rate 16.99%*

  • Credit limit approvals up to $20,000

  • Minimum withdrawal amount is $100

  • Monthly account fee of $5

    Only applies if outstanding balance is over $20

  • Annual fee from $0 to $149

    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.

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.

Example repayments

Based on a revolving line of credit of $20,000 over 3 years

  • Minimum interest rate of 16.99% p.a. (20.44% p.a. comparison rate^) with total cost of $3,460.19

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.

View our products

Up to $20,000

Low rate 16.99% p.a. & $250 back*

  • Up to 55 days interest-free
  • Fast approval in minutes
  • Add to mobile wallet to use instantly
  • Transfer credit to your bank or
    pay anyone

*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only.
View full T&C’s here.

Up to $50,000

  • Money in your bank in as little
    as 60 minutes
  • Online quick application
  • Simple repayments and costs nothing to repay early
  • Low rates tailored to your profile

Up to $20,000

Low rate 16.99% p.a. & $250 back*

  • Up to 55 days interest-free
  • Fast approval in minutes
  • Add to mobile wallet to use instantly
  • Transfer credit to your bank or pay anyone

*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made between 31/07/2020 and 31/08/2020.
View full T&C’s here.

Up to $50,000

  • Money in your bank in as little as 60 minutes
  • Online quick application
  • Simple repayments and costs nothing to repay early
  • Low rates tailored to your profile

Smart Loans In Advance

Sometimes the unexpected can happen, like your car needing urgent repairs, or a bill arising out of the blue. It’s not always easy to anticipate these expenses, so if you don’t have the funds you need, or you’d prefer not to exhaust your emergency supply of cash, an advance loan may be the right option for you. At MoneyMe, you can borrow up to $50,000 straight from your computer, tablet, or smartphone. As long as you have a regular income, advance loans can usually be paid off in a short amount of time, with repayments conveniently aligned to your income cycle. This means you won’t be tied up in the long term with a large bank debt and a resulting large interest rate fee.

Efficient lending

Advance loans are usually used to get you out of an unexpected jam, so you’re likely to need the funds quickly. So wasting time filling in paperwork, visiting a branch, or awaiting approval is the last thing you would want when getting an advanced loan. As a digital lender, MoneyMe can approve your loan within minutes in the majority of cases. Once approved, the cash will be deposited into your bank account, or become available on your MoneyMe Express Visa Card, so fast it will feel almost fast. Because your Visa Card allows us to deliver your cash directly, bypassing your bank account, you’ll have access to your funds in seconds once your loan is approved.




Taking responsibility

As a responsible lender, we will also never lend you more than you can afford to repay. We calculate this by using Proviso technology – a fast and safe way to view 90 days of bank statements within seconds. Using this technology allows us to give you an immediate decision on your advance loans. This means you can feel comfortable taking out a loan with us, because you know that we’ve assessed your circumstances, and calculated what you can reasonably borrow. Plus the entire process is much easier for you because you don’t have to manually provide us with any banking paperwork. So what are you waiting for – start MoneyMe’s easy application process today.




View our products

Up to $20,000

Low rate 16.99% p.a. & $250 back*

  • Up to 55 days interest-free
  • Fast approval in minutes
  • Add to mobile wallet to use instantly
  • Transfer credit to your bank or
    pay anyone

*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only.
View full T&C’s here.

Up to $50,000

  • Money in your bank in as little
    as 60 minutes
  • Online quick application
  • Simple repayments and costs nothing to repay early
  • Low rates tailored to your profile

Up to $20,000

Low rate 16.99% p.a. & $250 back*

  • Up to 55 days interest-free
  • Fast approval in minutes
  • Add to mobile wallet to use instantly
  • Transfer credit to your bank or pay anyone

*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made between 31/07/2020 and 31/08/2020.
View full T&C’s here.

Up to $50,000

  • Money in your bank in as little as 60 minutes
  • Online quick application
  • Simple repayments and costs nothing to repay early
  • Low rates tailored to your profile

Advance Loans up to $50,000 | MoneyMe

A better way to get advance loans

Advance loans are usually the extra cash you need to help you pay for things fast until your next payday. Here at MoneyMe, we can help you with our range of personal loans and a line of credit option designed to ensure you get approved for cash loans fast. As a money lender designed for Gen Now, we specialise in straightforward and no-nonsense online applications, quick approvals and fast cash straight into your account.

Learn more

A better way to get advance loans

Advance loans are usually the extra cash you need to help you pay for things fast until your next payday. Here at MoneyMe, we can help you with our range of personal loans and a line of credit option designed to ensure you get approved for cash loans fast. As a money lender designed for Gen Now, we specialise in straightforward and no-nonsense online applications, quick approvals and fast cash straight into your account.

You can apply in a matter of minutes to qualify for the same day cash loan you need right now. You get to experience a streamlined application process where everything is online and there’s no need for unnecessary phone calls or lengthy back-and-forths before you’re approved for our advance loans.

Same-day advance loans

What are advance loans? When we’re talking about cash advance loans, we generally mean money given to an individual before they are technically due it. At work, this might be the payroll department offering a paycheck early but in the online credit world, advance loans can also refer to same day loans made available for everyone and designed give customers the cash they need as soon as possible, often within the same day of having applied and been approved for their advance loan application.

We specialise in offering our customers a selection of fast and easy loans for balances up to $50,000. These advance loans are available to apply for online and are offered with competitive interest rates and very fast approvals and cash transfers. We process our loan applications faster than our competitors because we understand our customers’ growing demands for quick solutions and fast services. Our total process is low-doc and customer-friendly. You complete your online small loans application in a matter of minutes, so when we say quick loans, we really mean quick loans.

No early payout fees

Applying for a small personal loan from MoneyMe means that you can use that money as an advance loan. When your next salary day approaches, you can pay out the balance of the loan without incurring any fees. We don’t charge early payout fees, so you don’t get stung for repaying your credit in full sooner rather than later. Or, you can take a look at our complete suite of loan products to find the best-fit cash loans online for your circumstances. 

While our short term loans can be repaid before the end of the loan term without incurring additional early termination fees, not all advance loans are equal. There are some credit lenders which advertise their range of advance loans, but may also charge you extra fees for paying out early. The way personal loan interest rates work means that a money lender stands to earn more in fees and charges when an unsecured personal loan is taken over a longer loan term rather than over the short term. Interest on unsecured loans is charged monthly based on a per annum (yearly) interest rate so the longer a credit customer decides to take their personal loans Australia out for, the more money can be earned on the interest.

MoneyMe doesn’t work that way. We want you to get in front of your finances and we have a range of products designed to help you achieve what you need to. We enjoy rewarding our customers with lower fees and more competitive interest rates.

Use a loan calculator

How much can I borrow? To find out how much interest you would be charged on any of the express loans we offer, you can use our personal loan calculator. To find our likely interest fees, simply select your desired loan amount, your preferred repayment period, and the interest rate you are most likely to be offered and the loan term. Your personal loan repayment calculator will then return results showing you what your monthly repayment will be and the total interest payable over the loan term. If you’re wondering what your ideal rate is, then using an online calculator can help you gain a better understanding of what you can comfortably afford to repay.

Easy cash advance for rental costs

MoneyMe, we have a range of products designed for just those moments. For example, if you are a tenant and looking for a new rental property, then you are looking at quite a lot of upfront costs associated with a change of address. You will need to pay the rental bond on your property, removalist costs, cleaning costs for your previous rental and then likely double rent for a short time while you move.

To help you cover these upfront costs more comfortably, we offer advance loans like our bond loan and rent assistance credit designed to help make moving easier. Apply online with MoneyMe and receive all of the funds you need to secure your new property and comfortably move out of your old one. Repay your loan with flexible and tailored loan repayments and when the bond returns from your previous property, you may opt to put it against the loan amount you borrowed from MoneyMe to help you save yourself some interest.

Go with Freestyle

If it’s access to cash on the go and peace of mind that you’re searching for, you may prefer our Freestyle Virtual Credit Card. More than just a credit card, Freestyle is a revolving line of credit between $1,000 and $10,000 but it’s not another conventional plastic card to keep in your wallet – Freestyle lives in your smartphone. Use it to Tap n Pay in-store and shop online, or transfer money to your bank and pay anyone in a breeze.

Unlike advance loans, your credit card offers you endless funds to draw on up to your pre-approved amount. Every repayment frees up new credit you can use again. A credit card will offer you fast funds you can draw on without even needing to undergo our super fast online application process. You’ll always know that there’s money available for any incidental costs that crop up throughout life.

Other types of loans from MoneyMe

Don’t want to use a credit card to pay for an upcoming holiday? Consider our travel loan option. You can apply for the total cost of your planned travel online, experience fast processing and approval and then start booking your flights and accommodation immediately. Pay for everything upfront and then repay your travel bookings at your own pace with steady monthly payments. 

For other purchases like vehicles, choose our boat loan and car loan options. With unsecured loans for up to $50,000, you can choose your dream vehicle and be driving or sailing away in no time!

Plan your wedding and choose a wedding loan option. Get everything booked and paid for in advance and then enjoy the day knowing that you’re repaying the event comfortably with regular monthly repayments.

Student loans from MoneyMe will help you secure your educational future and enjoy perks like early-bird discounts for being up to pay for your tuition in full amount. Use your study loan to help you cover the costs of other tuition-related costs like a personal computer or specialist equipment you need for your studies.

Apply for our renovation loans to secure yourself up to $50,000 to address necessary repairs and update and refresh your home. Plan with a clear budget and then finally craft the home of your dreams using fast and easy cash from MoneyMe. If you need money right now, then start applying online and submit your application in a matter of minutes.