Cheaper rates than
the big 4 banks

for an unsecured personal loan

Fast & easy
online application

Money can be in your
account same-day

If applied before 5pm (Sydney time)

Flexible repayments
with no early exit fees

 

Our awesome low rates
vs the big 4 banks

The above comparison rates are based on an unsecured 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. Comparison as of 8/12/2020. $495 establishment fee and $10 monthly fee applies to MoneyMe.

Apply with confidence

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Simple, online application process

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No-obligation personalised offer

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Fast same-day assessment

Funds transferred & available immediately after approval

What our customers say
Improve eligibility

4.8/5

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Out of 1,329 reviews

Ready to get started?

Up to $50,000

Awesome low rates with fast
approvals and flexible repayments.


Up to $20,000

Feature-packed low rate virtual
Mastercard® with interest-free terms.

Getting a cash loan on the spot can be an easy process if you have a decent credit history and are employed. MoneyMe is a responsible lender, which means we must check the eligibility of the person taking out the personal loan and whether their financial situation allows them to finance the loan plus interest. If you need money now and want to quickly take out a cash loan, see how you can improve your eligibility here.

MoneyMe is not authorised to provide personal advice about financial products, however there are general things that can be done to improve the eligibility for a personal loan.

People with better eligibility are:

  • Employed full-time or part-time for a long period at the workplace
  • Show up in their bank statement of regular income
  • Income covers expenses and liabilities
  • Healthy bank balance that generally increase
  • Don't have risky spending habits such as betting and gambling
  • Don't have many other existing short term loans

Even if you don’t tick every criterion, you may still be eligible to get approved. There are also other things you can do to get the loan:

  • Select a lower loan amount
  • Reduce your liabilities or expenses compared to your income
  • Reduce fees for your services such as phone, mobile, gym and other liabilities
  • Tighten your budget and stick to it – yes easier said than done
  • Cut back on risky spending habits

Good with money

MoneyMe looks for people who are generally good with their money, and only because of an unexpected situation they require small short term loans that they can pay back easily. By showing that you have good management of your finances, this will help improve your eligibility for cash loans.

If you believe that you fit this criterion, start our easy application process for a cash loan and money could be in your account within an hour, depending on your financial institution.

MoneyMe is not authorised to provide personal advice about financial products. For additional information click on the link at the bottom page Warning about Borrowing.







Ready to get started?

Up to $50,000

Awesome low rates with fast
approvals and flexible repayments.


Up to $20,000

Feature-packed low rate virtual
Mastercard® with interest-free terms.