Cash Loans

A modern cash solution

Experience the faster way to get approved for a cash loan up to $50,000. MoneyMe offers a fully online application and approval process that fits this generation's need for quick services and convenient solutions. Complete your loan application in minutes, get approved fast, and with cash hits hitting your bank account in minutes! We like to make things fast and easy – no paperwork or lengthy forms. You get quick cash loans in no time, so you can focus on the important things in life.

MoneyMe offers quick and easy access to Sydney loans, Melbourne loans, Brisbane loans, Perth loans, Adelaide loans, and Hobart loans that come with competitive rates. Our goal is to help you cover your emergency financial needs such as car repairs, moving out to a new apartment, and renovations. And unlike traditional lenders that require a lengthy loan approval process, we use an online application that you can complete in around five minutes. Once approved, we will send the money to your bank account within an hour, although the exact time depends on your bank and whether your application is made within business hours.

So, what do you need fast cash loans for? Whether it’s small loans to cover your little expenses or larger loans for big-ticket items, we offer personal loans tailored to you. To be eligible, you must be employed, an Australian resident, and over 18 years old. Unlike conventional money lenders, we exist completely online. Apply online, get approved online, and your money is transferred straight to your bank. In most cases, depending on who your bank account is with and how much you have requested, the transfer can occur within seconds from the moment you sign the contract. Oh, and that’s online too. We’ve made borrowing money online quick and easy.

Fast, fair and responsible lending

Who uses MoneyMe? People just like you. We have an Australian Credit Licence and we believe in responsible lending. We do things the MoneyMe way – we’re fast and fair.

Comprehensive Credit Reports (CCR) have changed the way lenders look at and assess the risk of new customers. The old credit score model would usually only include negative reporting, such as enquiries and default listings. With the new comprehensive report, positive payment behaviour is now shared with creditors. This way, you are empowered to take control of your credit– giving you the opportunity to make your repayments on time and create a positive influence on your credit score.

Our smart process and machine learning allow us to provide you a personalised rate. We take into account several factors such as your credit profile and history with us. We also love giving back to our customers. If you have a good repayment history with us, we may offer variable interest rates. You may also be eligible to improve your rating when you have successfully repaid a cash loan or a line of credit. With improved ratings, you access better loan terms.

For more information about your credit file and access to a credit guide to help you manage your financial footprints, head over to the Australian government site MoneySmart. Here you’ll find useful information to help you decide how much you can borrow, including a personal loan calculator and tips on how to manage your living expenses.

Access cash when you need it

The kind of expenses a short term loan or our mini loans can help you with include, but not limited to, emergency situations like repairs for your car, deposits or paying out house moving costs. This includes a bond loan to cover your upfront moving costs like helping you secure a new rental sooner rather than later. General life stuff, really. You can now have access to the extra cash you need right away.

We tailor your express cash loans to fit with your current lifestyle. We also try to ensure that the money we offer you, like a quick cash advance, will help you with your existing living expenses. As a responsible lender, we are careful in reviewing and assessing our customers to make sure that their repayments are aligned with their lifestyle and financial commitments.

For new learning opportunities

You might also be considering heading back to school or college to start a new career path or develop professionally in your current field. Today’s world is full of career movers who like having more than just one steady job for the rest of their lives. University loans cover your schooling costs and help you build meaningful careers while doing what you love to do. A student loan might be the perfect fit for you if you’ve been looking to join a yoga retreat, an online class and other learning courses.

How to get a cash loan

Do you know what you need your cash loan for? If yes, then now is the perfect time to get money from a same day loan provider. MoneyMe operates online, quickly and gets your funds to you sooner rather than later. You can apply online with us for unsecured personal loans from $2,100 up to $50,000. A great way to access fast loans when you need it!

If you are currently employed, a resident of Australia and over 18 years old, then you qualify for our application process. Everything happens online – just fill out the application form and when you’re done, we will check your current bank history, run your credit file and shoot you off a digital contract with our loan terms and any fees applicable like establishment fees. We align your fortnightly or monthly repayments with your pay cycle so you don’t have to worry about late fees!

Your security is a top priority

Your transactions with us are secure for absolute peace of mind. When you submit your bank statements online, we use illion’s trusted and secure data technology to view your bank statement transactions. They are provided and viewed as “read-only” PDF documents for only 90 days. With our views only limited, you can ensure that no one at MoneyMe has access to your account or login details. These snapshots, along with some personal, employment and spending details, is all we need to come up with a decision for your loan application.

Once you have qualified for credit with MoneyMe, we make an offer based on the information you have provided. Rest assured that we only offer what we think is a responsible credit amount. When you have good credit history and have successfully completed a loan repayment schedule with MoneyMe, your rating gets better and you get access to bigger loans with lower fees, if they’re still right for your financial circumstances.

Apply online with MoneyMe for fast cash loans. Complete your application in just a few minutes and have the cash in your account in as little as 60 seconds.

An easier way to manage debts

Often people aren’t aware that they can refinance. Refinancing is a general term which entails the assessment of all your credit and bills, the financial commitments you currently have, and finding an easier and more cost-effective way of paying them off. Debt consolidation is one helpful option, and it merges all of your current debts into a single easy loan.

When would this be helpful? A credit card is one of the most common choices to pay off debts, but the interest rates tend to get high. Debt consolidation might be your best option when you have a credit card bill on top of your car loan, medical expenses, and other little debts you have accumulated for your living expenses. Consolidating them with a cash loan pays them all out fast, and you only have to pay one lender a variable interest loan repayment instead of half a dozen with all different interest rates and fees. It simplifies your debt, halts your interests from building, and helps you with your general cash flow.

Refinancing is also a great option as you approach the end of any of your variable-rate loans. Having paid back the interest on the original loan, and only having a small percentage of their principal to go, you might be interested in rolling your old loan into a new one. Your new loan amount might include funds to cover an upcoming life event like an epic world travel adventure, home renovations or a wedding celebration. Holiday loans give you all the cash you need upfront to take advantage of early-bird booking specials and perks. With MoneyMe, you could have the easy money to book your world tour, in as little as minutes. Generally speaking, fast cash loans are approved within seconds but if you’ve applied outside of business hours then it may take a business day for them to clear.

Cash Loans

Cash loans are short-term personal loans that help you cover unexpected expenses such as medical bills, home and car repairs, pet emergencies, and unplanned trips. You receive these loans in one lump sum, which you pay back with monthly scheduled payments that include a variable interest rate.

At MoneyMe, we make our quick loans application process quick and easy. You only need to fill out our online form with your personal and bank details, which takes three to five minutes. Also make sure that when you apply for a loan, include your requested amount and loan duration, so we can immediately show you the monthly repayment amount.

The amount of your monthly repayment depends on the borrowed amount and the loan term. Remember, the longer the duration of your cash loans, the lower the monthly payment and the higher interest cost you need to pay. 

By contrast, a shorter loan term means higher monthly repayments, although you pay less interest cost during the entire duration of your loan. 

When we say same day cash loans, we literally mean it. Thanks to our robust infrastructure and smart data solutions, our loan and new credit cards application, verification process, and fund transfer are all completed within the same day. As one of the most innovative cash lenders in Australia, we eliminate lengthy paperwork, phone interviews, and activities that drag on the application process. 

We’re also able to offer more competitive rates than most big banks and other traditional lenders because we don’t have fancy offices and overhead costs related to running a physical site. Instead, we rely on our sophisticated infrastructure that allows us to do everything online.

Where can I get a cash loan with less-than-ideal credit?

In general, borrowers with a not-so-stellar credit score find it hard to access cash personal loans. And if they do, lenders usually demand high-interest rates and extra fees or charges that make cash loans too expensive for them. 

But at MoneyMe, we don’t automatically decline borrowers with a mark on their credit file. To come up with the fairest decision, we will look at the whole picture rather than only focus on your credit history. 

While we do consider your credit score – and reward borrowers with high scores with personalised low rates – we also take into account your current income, employment status, financial obligations, living expenses, and other similar factors. We believe that looking at your entire circumstances allows us to conduct a more accurate risk assessment during the approval process. 

If your rapid loan application has been declined, we are happy to reconsider it once your financial situation improves. As a responsible money lending company, we ensure that we extend a loan amount that our borrowers can conveniently afford to repay without overextending themselves or resorting to drastic cost-cutting measures.

How to get a cash loan?

If you want to apply for a fast credit loan, go to our website and click ‘Personal Loans’ and then ‘Apply Now’ that brings you to our easy and quick online application form that you need to fill out with your personal and bank information.

Within a few seconds of sending your application, we’ll show you the monthly repayment amount and other details. In this way, you can assess if you can conveniently pay it or need to adjust the loan duration and/or amount. 

At MoneyMe, we process your loan application right after you send it because we aim to come up with a decision within the same day or even within an hour after receiving your loan request. Just make sure that your personal details are correct and you allow us to conduct online verification of your bank statements. Once approved, we’ll quickly send the funds to your bank account. 

When we say fast cash loan and same day loans, we really mean it. However, the fund transfer may take longer, depending on your bank. Also, if you apply during the weekend or outside of business hours, the loan approval process starts on the next business day. 

Where can I get a same day cash loan?

MoneyMe offers cash loans and a line of credit with personalised low-interest rates and favourable repayment terms. As one of the leading cash for loans providers in Australia, we eliminate paperwork and other hassles during the application process, allowing you to access funds within the same day as you send your loan request. 

At MoneyMe, we believe that cash loans that are used judiciously can help you improve your financial situation and allow you to access time-sensitive opportunities such as buying heavily discounted home appliances, snatching up your dream apartment that’s close to your office, and signing up to a course.

How to apply for a cash loan?

Click the ‘Apply Now’ box on our website. It will bring you to our easy and quick online application form, which only takes around three minutes to complete. Make sure that all your personal and bank details are accurate so you can receive your loan within the same day as you send your application (assuming you’re an eligible borrower). 

How to get a cash loan for a car?

If you wonder how to apply for a cash loan, read our step-by-step guide below. 

1. Check your credit report. You can access this for free from any of the three major credit reporting agencies in Australia, namely, Equifax, illion, and Experian. 
2. Be honest with yourself. Choose a car based on your needs and the loan amount that you can comfortably pay every month. 
3. Apply for auto loans from MoneyMe. Click the ‘Apply Now’ box on our website. Make sure all your bank and personal details are accurate, especially the monthly salary, debt obligations, and living expenses. 
4. Wait for the decision. Our approval process usually takes an hour or at least within the same day. Once approved, you’ll get your funds right away. 

If you want to learn more about our cash loans that allow you to borrow funds of up to $50,000, visit MoneyMe today and choose from our loan products and lines of credit with low rates and fast approvals.