Complete in minutes

Use your card instantly once approved.

Line of Credit Adelaide

Trusted by thousands of Australians

Trusted by thousands of Australians

Start using your
in minutes,
not days

Forget waiting a week for your card to arrive in the
mail, your virtual card is instantly available to use
once approved.

  • Features

    Fast online application with
    approvals in minutes

  • Features

    Choose a credit limit to suit your
    (from $1,000 to $20,000)

  • Features

    Get the app to access all features
    Apple Download Google Download

  • Features

    Use your virtual Mastercard® with
    Apple Pay Google Pay

Enjoy low rates
free terms

Pay later with up to 55 days
on purchases.

A rate from 14.99% p.a. to 19.99% p.a applies thereafter7

More ways to pay

We understand there’s more than one way to pay.
From buying a pair of shoes to paying back your
mates for dinner.

  • Tap n Pay Tap n Pay in-store

  • Shop Online Shop online with your card details

  • Transfer Money Transfer money to any bank
    account in seconds

More Ways to Pay More Ways to Pay

Get credit back with
MoneyMe Perks

Enjoy credit back offers at over 1,700 participating stores
when you pay with your Freestyle virtual card

Be in control

We spread repayments over a maximum 5 year period
from your latest transaction, unlike banks who spread
it over decades to make you pay more interest.

Plus, we’ll always send you payment reminders to
avoid paying extra fees.

Our fees and charges


Up to $20,0005

Annual fee


Credit limit


Up to $3,000


$3,001 to $5,000


$5,001 to $20,000

Monthly fee


Balance under $20


Balance over $20

Interest-free period

Up to 55 days6

Interest rate

A rate from 14.99% p.a. to 19.99% p.a (based on your credit score) applies thereafter7

*Other fees and charges may apply.

Our customers

Line of Credit Adelaide

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!

MoneyMe Freestyle


Review Stars Out of 2,701 reviews

View more

Awards and features

What are you
waiting for?
Get Freestylin'

Use your card instantly once approved!

Typically around 90 minutes

Line of credit Adelaide

MoneyMe offers customers quick applications for loans online and fast approvals for a line of credit Adelaide customers can leverage to bolster their financial position. We are an Australian accredited moneylender that likes to do things a little differently to make accessing finances easy and hassle-free for everyone.

As an online-only company, the first benefit to our customers is that there's no unnecessary paperwork or wasted time travelling involved in applying for a line of credit or getting your loan approved. Everything is completed online from start to finish through our secure portal. Unlike traditional personal loans, which you pay off over time at set intervals each month, a line of credit provides access to more monetary help whenever it’s needed within one single limit amount. This amount can be increased if required, and unlike a standard loan, whatever you repay is still available for you to use again. 

In comparison to other types of loans where you might have to wait weeks before you get your next payment from an instalment plan, a line of credit will give you access to money as soon as you need it. However, much of it you need to access – very handy in case of emergencies. A line of credit is a type of revolving loan that lets you access funds anytime, anywhere, and are typically either secured lines of credit or unsecured lines of credit. Applying for a line of credit Adelaide customers can start enjoying fast and securely has never been easier.  

A secured line of credit is backed by collateral – which means you need to secure your line of credit against your personal assets, such as your home equity, car, or another type of financial asset. The lender does have the right to seize the asset in the event you fail to repay your line of credit, which is why the interest rates are typically lower.  

On the other hand, unsecured loans are not backed by any asset. Since there is no collateral involved, it usually comes with higher interest rates to pose lesser risks to the lender. 

At MoneyMe, we know that there are already many obstacles standing in the way of everyday Australians, and we’re here to make financial access simple, especially when people need it most. That’s why we are excited to be offering an accessible line of credit Adelaide customers can use when they need it. However, they need to access it.  

The common fees associated with a line of credit are annual fee, monthly fee and interest rate. The great thing about a line of credit is that you don’t need to pay any interest unless you have used your money. We base the annual fee on your credit limit, and the monthly fee is waived if your balance is less than a specific amount. 

MoneyMe makes money easy and efficient – apply now.

How to qualify for a line of credit?

When you apply for a line of credit, we require similar qualifications as when you apply for a personal loan or a credit card. To apply for a line of credit Adelaide customers must be a resident of Australia, currently working and at least 18 years old to be eligible to apply. 

This means if you are approved for $10,000 on a line of credit, you can borrow up to $10,000, but this doesn’t mean you are required to borrow and use the entire amount. You can borrow smaller amounts as you need, and once you have repaid whatever amount you borrowed, the cash becomes available again for you to use without the need to re-apply. 

It is worth noting that your creditworthiness – which is determined by your income, credit history and overall financial health – will also be taken into account when we assess your application. 

How to apply for a line of credit in Adelaide?

To apply for a line of credit Adelaide applicants must be 18 years or older, a resident of Australia, and currently employed. If you meet these criteria, then you are eligible to apply for our line of credit, easy loan, or short-term loans. As responsible moneylenders, we also look at a range of factors such as your credit history, income, living expenses, and the existing small loans you may have before we decide. You may even be available for MoneyMe’s revolutionary line of credit account service, our Freestyle Virtual Credit Account which acts like an online credit card, giving you quick access to money when and where you need it.

How long does it take to get a line of credit approved?

The time for approving small loans Brisbane applicants can expect could be as little as a few minutes to a few days, and it all comes down to how straightforward your loan application is. If everything is in order and you submit your application before 5 pm you may be approved for same day loans, but allow a few working days if your line of credit application is more complex. We’ll answer any questions you have, but we’re very confident our small loan turnarounds will be fast and smooth for the majority of our customers.  

Apply online now for a fast approved line of credit Adelaide customers can access quickly.


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