The smarter, faster
way to borrow

Instant Loans


The new type of credit card

  • Credit limit up to $10,000
  • Tap n Pay or shop online interest-free
  • Withdraw to your bank
  • Easy fortnightly or monthly repayments

Personal loan

For the bigger things in life

  • From $2,100 to $50,000
  • Straight to your bank fast
  • Easy fortnightly or monthly repayments

Why choose


Completely online

No fuss, no paperwork.
Get up to $50,000
in minutes


Quick decision

Complete our 3 minute application process to
get an outcome fast


Competitive rates

Fairer rates tailored
to your credit profile
and history


Fixed repayments

Self-manage your
repayments from within
your MoneyMe account


Where can I get an instant loan?

You can get a loan so fast it almost seems instant with online lenders such as MoneyMe. MoneyMe loans are approved in minutes, and cash can be in your account within minutes too (depending on your bank). This means no queuing, paperwork, or long wait times with lenders. You can apply for an instant loan up to $50,000 in only 3min.

How to get an instant loan?

Getting an instant loan with MoneyMe is simple and fast:

  1. Click “apply now” on the MoneyMe website, and input the loan amount and repayment period.
  2. Input your personal details, estimated income and liabilities, bank account info, and email address.
  3. Receive a response in 5 minutes and have funds delivered to your account fast when approved.


MoneyMe is a small, responsible finance provider offering instant loans to Australians minus the paperwork, long wait times, hidden fees and fine print. At MoneyMe, we aim to revolutionise the way people access personal loans.

What we can do for you

Whether you need instant personal loans to help secure something you’ve long been saving for, or to regain control of your personal finances, MoneyMe’s instant cash loans offer between $2,100 and $50,000.

Following a five-minute loan application, once approved, you can gain access to your funds in around 60 minutes, depending on your bank. Please note that if you make your application outside of business hours it may take longer to process.

Responsible lending

Responsibility is central to our quick, personal loans ethos. At MoneyMe, we will never lend you more than you can realistically afford to repay. We will never leave you wondering about our cost structure and you’ll find our fees very reasonable.

Just as we focus on hassle-free lending, MoneyMe repayments are structured with ease of use in mind. We’ll set up direct debits on your nominated payday during the loan application process and send you a reminder in advance of that date.

Should you have any concerns about making your repayments in time, simply contact the friendly MoneyMe team for guidance. We are available via phone, email, live chat, Facebook or Twitter and will work with you to find a suitable solution.


Borrow money online,
anytime, anywhere


Outcome within
minutes, not days


satisfaction rate

Safe and speedy service

Applying for a loan through your bank often involves a lot of admin, including submitting pay slips, bank statements, or other time-consuming documentation. For your convenience, MoneyMe uses illion Open Data Solutions to securely obtain your recent bank statements online in seconds. Rest assured, our systems offer the highest levels of safety and privacy.

With MoneyMe, it is very easy to Improve Your Loan Eligibility and you can get cash fast via our Easy Application Process.

Things to know
about our costs

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


Tailored rates

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


Upfront and honest

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


We're here for you

Our team is available to help 7 days a week

What our customers say

Instant Loans


105 reviews

1 review


Very nice people to deal with and very fast approval.


1 review


I've never come across something so easy to follow and so uncomplicated. Awesome! Thank you for making my experience frustration-free. xx


1 review


It was very fast and smooth.


1 review


I was very satisfied. You get the loan instantly just in time when you really needed it.


1 review


Great service. It was really fast and the money came straight to my account in a matter of hours!!!




of customers
would recommend
MoneyMe to a friend

Ready to get started?

Instant Loans up to $50,000 Approved Online | MoneyMe

A fast and convenient credit solution

An instant loan designed for people on the go. We built algorithm-based loan processes that are completely online because we get you, and your desire for straightforward and upfront credit solutions. And when we say instant loans, we actually meant it. They are same day loans available for up to $50,000.

Learn more

A fast and convenient credit solution

An instant loan designed for people on the go. We built algorithm-based loan processes that are completely online because we get you, and your desire for straightforward and upfront credit solutions. And when we say instant loans, we actually meant it. They are same day loans available for up to $50,000.

Forget about submitting a bunch of documents and waiting for the lender to check their accuracy. Forget about waiting for a day or so before getting a call back, having to sign tons of paperwork and fax it back. Here at MoneyMe, we changed the way quick credit works. Everything is fast and easy – no paperwork and lengthy forms. Your online application just takes minutes to complete. And once you get approved, depending on who you bank with, your money hits your account within a matter of minutes. We’re all about accessibility and continuous tech advancements, and ensure our customers have access to fast credit anytime, anywhere.

Imagine a fine afternoon with no one else on the road and you’re driving your new car. That’s how we process your fast cash loans – easy, speedy and smooth.

Getting an instant loan

To be eligible to apply with us, you must be a citizen or a permanent resident of Australia, at least 18 years old and employed. If you put a big check on all these requirements, then you’re all set to apply. The application process is online and takes just minutes to complete.

Learn what type of loan suits you

It is important to know what type of instant loan you need. You might be looking to apply for a small loan like a cash advance. These mini loans offer quick cash solutions when you have impending big expenses and you’re still waiting for your next pay check. These type of loans are also helpful for unexpected bills when your savings account can’t help. We understand that emergency bills require instant, upfront payments. Through our quick cash loans and short term loans, you can have quick access to that extra cash you need right now.

Apart from unforeseen events, everyday life necessities might be a good reason to apply for a loan. Maybe you’ve found your dream car and you want to get it before the sale ends. Our instant loans can help you with the funds you need to get behind those new, shining wheels, fast.

Secure travel funds

Or maybe, it’s time to travel. Early bird specials and booking perks for a holiday appear to be an advantage only to people who are prepared to pay for their travel upfront and in full amount. This means you need instant money to book your entire trip right now. With MoneyMe’s loan offers, you don’t have to wait or think twice. Lock in those travel dates, submit your annual leave request and starting shopping for luggage because you’re due for a flight in a few months!

For education and continuous learning

Have you just found out you have been offered a slot in a university course? If you’re considering paying for your fees upfront, we can help. Our student loans cover school expenses like fees for early education and college courses that might not be supported by government funding programs.

A better way to manage your finances

We believe in responsible lending and easy money. Our instant loans are designed to help people get access to fast cash into their bank account as soon as possible.

If you’re looking for instant loans to help with managing bills, then we suggest finding a personal loan calculator to give you an idea of how monthly or fortnightly repayments will affect your current cash flow. Our fixed rate loans can paint a good picture of how an instant loan might help your current situation and open avenues to refinance later down the track.

Access funds when you need it

Apart from quick online loans, we also offer other credit products that might be suitable for your current needs and lifestyle. Our virtual credit card , Freestyle, introduces a new, convenient way to Tap n Pay, shop online or transfer money straight to your bank. With this innovation, you don’t have to use a physical card for shopping in-store and onlie. Freestyle lives on your phone and is available in just a few taps. It’s secure and always ready to use anytime and anywhere you need it.

Rental fees

For renters, coming up with instant cash for a relocation can be challenging. You have to consider the cleaning fees, removalist and fumigation fees. Plus the bond to pay for the new property and an advance rent before you can completely move in, all on top of your rental fees on your old house.

Our instant loans give you a breathing space. You can pay your bond and moving costs with a fixed repayment schedule that helps your weekly living. Besides, maybe you’ve been looking forward to buying that new décor you saw at the shopping centre the other day, and you certainly want funds for that!

For life’s new chapter

It’s your big day. You want it to be perfect, just like exactly how you imagined it. If you’re looking to have instant cash to back up your wedding fund, we got you. With MoneyMe’s instant loan, you can book your wedding venue now and pay for your suppliers in full amount now – all upfront with no more follow-up deposits.

Apply online now. Get approval on the same business day, and once you have signed your digital contract, expect the funds in your bank account in minutes. With our instant loans, you experience a faster, better way to manage and access your credit.