A credit card designed for today. 100% digital,
feature-packed and with money back when you shop.
Check your rate and credit limit
without impacting your credit score.
Winner of Canstar's Innovation
Excellence Award 2022*
Winner of Canstar's Innovation Excellence Award 2022*
Forget waiting days or weeks for your credit card to arrive in the mail, Freestyle is ready to use straight away once approved.
Get up to 40% back when you shop online at
over 2,000 stores through MONEYME Perks.
Unlike other rewards programs that can take
months to pay you, you’ll get money back in your
account in days!
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 help you
avoid nasty fees for missed payments.
Up to $5,0005
Up to $3,000
$3,001 to $5,000
Balance under $20
Balance over $20
Cash advance fee
Up to 55 days6
A rate from 18.24% p.a. to 23.24% p.a. (based on your credit score) applies thereafter7
*Other fees and charges may apply.
Very happy customer. Happy to get another loan in the future from MONEYME.
Jayceenemo Aug 09, 2023
Easy to follow application, quick response time and good support.
BGC Jun 13, 2023
I was impressed with how easy and quick the application was. Very happy with their customer service, and the app is very convenient.
Brad May 31, 2023
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.
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.
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.
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.