Complete in minutes

Use your card instantly once approved.

Line of Credit Melbourne

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 Melbourne

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 Melbourne

If you’re in need of quick cash and have been searching high and low to find the best line of credit Melbourne, you can rest easy: the future of finance is right here at MoneyMe. Our Freestyle virtual Mastercard® is the award-winning modern money solution for smart savers. Accessed exclusively via your smartphone, it won’t take up space in your wallet. You can make online purchases in seconds, send money to your bank account, and shop easily in-store using Tap n Pay.

With instant access to credit limits up to $20,000 for approved applicants and interest-free terms, it’s one of the best credit cards in the business.

We’re revolutionising the role of modern money lenders and believe in making your credit work for you. To find out what credit limit you might be approved for and to start saving big on interest, apply online for our Freestyle virtual Mastercard® using the MoneyMe app today

How does a line of credit work?

A line of credit gives you access to a set amount of money that you can repeatedly use or draw upon, provided you meet your line of credit payment conditions. 

This is different to borrowing money through a personal loan, where you receive the cash in full then repay the full amount plus interest over time. Suppose you have a loan that offers redraw facilities. In that case, you will pay more back in interest the more often you redraw - and you can only ever redraw funds made through additional repayments, never the initial loan amount. 

In the case of a line of credit mortgage or line of credit home loans, every time you make an additional line of credit payment above the minimum required amount, it becomes what is called equity. Equity reflects the current market price of your property, minus the amount you owe on it. Equity typically accrues through additional repayments made on the principal of the home loan and property appreciation over time or valuation increases due to home improvements to improve street appeal. Homeowners often draw upon their equity to secure finance for things like major renovations or purchasing an investment property. 

When you take out a line of credit Melbourne through MoneyMe’s Freestyle online credit card, you can spend as much of your available credit limit as you want, as many times as you like. And unlike line of credit home loans, you don’t need an approval to redraw - every time you make a line of credit payment, the funds on your interest free credit card become available to you again instantly. 

What are the benefits of a line of credit?

There are many benefits to taking out a secured line of credit Melbourne with MoneyMe, but one of the best - and most useful - features is our line of credit interest-free terms.  

The MoneyMe virtual Mastercard® offers a 55-day interest-free purchase period at some of Australia’s most competitive line of credit rates. As long you can make your line of credit payment within 55 days of each purchase, you’ll never pay interest fees - and you can spend as much of your available credit limit as you want, as many times as you like. 

Benefits like these mean a secured line of credit can be a smart way to manage your money and save heaps on interest. Combined with the fact we offer instant access to credit limits of up to $20,000 to approved applicants, MoneyMe’s Freestyle virtual Mastercard® is one of the best line of credit Melbourne options around.

How to apply for a line of credit in Melbourne?

Applying for a line of credit Melbourne is easy with MoneyMe. 

All you’ll need to apply with us is two forms of Australian government-issued identification, such as a passport, driver’s licence, medicare or proof of age card. Once you’ve got these handy, hit ‘Apply Now’ using our smartphone app or visiting our website online. 

We utilise the latest secure lending technology to verify all the finance information we need online and process your application in real-time. Our credit card fast approval process is 100% online and doesn’t mess about with documents like payslips. When you apply for a line of credit with us, there's no paperwork, no phone calls, no fuss! 

We’ll first ask you about your preferred Freestyle virtual Mastercard® credit limit.   Once we know that, you’ll need to tell us about your employment and income, daily expenses, and any debt or liabilities, savings, and assets.

We’ll then run a credit check before asking you to sign in to your online bank platform. It’s important to note that we don’t receive access to your account - our online finance management system simply requests transactions from the last 90-days in PDF read-only format from your bank. 

Together, this information helps us to determine the best line of credit loan limit for your financial circumstances. The amount of credit we offer to make available to you and at which line of credit rates is contingent upon your honesty and transparency when completing your application and on your recorded credit behaviours. 

Gone are the days of agonising waits - you’ll know almost immediately if you’ve been approved for our Freestyle virtual Mastercard® and, assuming you’re successful and applied within business hours, you’ll have access to your line of credit Melbourne funds immediately.


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