Personal loans

Credit made for you

Fast Loans No Paperwork

Trusted by thousands of Australians

Estimate your

Find out how much your repayments and
interest rate could be with our calculator


Monthly repayment from


Example interest rate

6.25 %

Comparison rate3

7.64 %

Total charges


Total repayments


Disclaimer: This calculator provides an estimate only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. Any calculations made by you using this calculator is intended as a guide only.

No Paperwork Loans

Looking for no paperwork loans? MoneyMe is a low doc personal loan provider specialising in providing fast and easy online finances for people just like you. Rather than asking you for reams of paperwork or even spending precious time talking on the phone, we have designed a tech-driven platform that skips all the hassle of paper documents. Your application is completed online and in as little as 5 minutes.

The next generation in lending

With MoneyMe, approvals are fast – you can get a loan outcome at the same hour when you apply during business hours. If you’re happy with our easy loan offer, then you simply digitally sign your new contract, and we transfer your funds immediately. For some customers, this literally means same day loans but it will depend on which bank your account is with.

Often customers seeking fast cash will head straight to a variable rate personal loan provider but that’s not the only option on the table at MoneyMe. We do offer great rate quick cash loans from $2,100 to $50,000, and we also offer our Freestyle virtual Mastercard® with credit balances up to $20,000 available which might serve you better, depending on what you need to borrow money for.

quick loan from us is paid out to a credit customer in one lump sum directly into your bank account and you’re free to distribute those new credit funds however you like. If you’re looking for an easy finance option to help you buy a new car then this might be exactly what you’re looking for. Easy loans from us come at a variable rate of interest and variable monthly repayments over your nominated loan term. You know exactly how much your loan will cost you in total before you sign your contract, and you know what your monthly repayments will be like ahead of time. This helps you to make a clear budget and factor in your new costs comfortably.

How much should you borrow?

While you’re looking at available options you can use a range of online tools like a personal loan calculator to help you work out what your borrowing power is or, in other words, what kind of sum would best fit your needs. Online calculators are great ways to quickly check what a loan will likely cost you, what your repayments will probably be like and help you choose a loan term that works for you.

If, however, you’re searching for a more flexible credit option then a revolving line of credit might work better for you. Our Freestyle account offers customers access to pre-approved credit funds of up to $20,000. It works like a traditional credit card, but so much better. It doesn’t take up space in your wallet. Freestyle is a completely online credit card that lives in your smartphone. Use it in-store for purchases wherever Tap n Pay is accepted or use it for quick and easy online shopping. Customers enjoy 55 days interest-free on purchases made which means that if you repay your credit funds within that period you are essentially using an interest free credit card. Sounds good?

Long term personal loans do not offer a personal loan redraw facility which means that even after you have repaid part of your total loan amount, you aren’t able to access more credit from that first loan. The Freestyle account works differently. Every time you repay the funds that you have used from your fast approval credit card from MoneyMe, you can use those funds once again. This might be a good option for anyone seeking a little cash advance between pay cycles or for anyone with ongoing expenses like medical expenses. You know that you always have those funds available. It gets even better, too. The Freestyle account allows you to transfer cash amounts directly to your bank account – or anyone else’s – whenever you need to. Not only can you purchase things in-store or online, but you can also ensure that you have a fresh injection of cash flow when you need it. Once those funds have been repaid, they automatically become available for use again.

Not sure where you come down on a personal loan vs credit card yet? It’s always a good idea to do a quick personal loan comparison in Australia before you opt for a credit option. When you are comparing money lenders ensure that you’re looking beyond the advertised interest rate and check what other fees and charges the lender will include. Things to look out for include early termination fees when you pay out your loan balance before the loan term has elapsed and other ongoing fees and charges throughout the term. For example, we don’t charge our customers for paying out their loans ahead of time so if you’re in a position to close your loan ahead of time and save yourself some interest in the process, we congratulate you and make that process just a little bit easier.

How can I get a loan without any paperwork?

If you have decided that quick personal loans are the way forward for you then the great news is that you’re 5 minutes away from submitting an online application with MoneyMe. Applying with us for both our loans online or our Freestyle account option is fast and easy. We don’t ask you for paperwork and instead verify your application details using illion’s secure bank-level encryption software. At the end of your application, you will be asked to provide your online banking details. This gives us quick and easy access to a bank statement in PDF format showing the last 90 days of activity on your account, allowing us to fast-track your application. This is read-only access, and no one is able to access your bank account or online banking credentials. It simply allows us to check your application details in record time and it’s the secret to why we are able to offer such fast approvals and even faster cash transfers for approved customers.

Our personal loan eligibility criteria are nice and simple too. You can apply for any credit product with us as long as you are at least 18 years of age, currently employed and a permanent resident in Australia. We’re all about responsible lending so we only offer express loans to customers we believe can comfortably afford to repay them. 

If you need a loan, then chances are you need it in a hurry. Or, at the very least, you don’t want to waste precious time filling out paperwork or waiting on hold for an operator to answer your call. We know this. Our website has everything you need to know about our fees and charges and our personal loan terms and conditions. There are no hidden fees, and our interest rates are highly competitive. If you aren’t quite sure about any of our service offerings, then you can live chat with a customer service representative through our website or you can email us. If you feel like having a chat with a real human being then you can call us on 1300 669 059. Our business hours are Monday to Friday from 8 am to 9 pm, Saturday to Sunday from 9 am to 9 pm. 

Are you ready to get started on your new no paperwork loan from MoneyMe? Apply online now in just 5 minutes and receive your approval in as little as 60 minutes when you apply during business hours. It’s fast and it’s easy when you choose MoneyMe. Apply now.

Our customers

Fast Loans No Paperwork

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!


Review Stars Out of 2,701 reviews

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Transparent and
simple pricing

Interest rate

6.25 %
to 19.95 %

Comparison rate*

7.64 %
to 21.32 %

Establishment fee

$295 for loans between $2,100 and $5,000

$395 for loans between $5,001 and $15,000

$495 for loans between $15,001 and $50,000

Monthly fee


Loan terms

Minimum 1 year

Maximum 5 years

Early exit fees


*This comparison rate is 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. A $495 establishment fee and $10 monthly fee applies.

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