The smarter, faster
way to borrow

Online Cash Loans

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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
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Personal loan

For the bigger things in life

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

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Completely online

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

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Quick decision

Complete our 3 minute application process to
get an outcome fast

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Competitive rates

Fairer rates tailored
to your credit profile
and history

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Fixed repayments

Self-manage your
repayments from within
your MoneyMe account

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MoneyMe

MoneyMe is a small, responsible finance provider offering cash 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.

MoneyMe loans

At MoneyMe, we pride ourselves on applying dedication and innovation to help Australians access their cash requirements online. Whether you need a little extra money to pay some bills, or funds for something special, our online approval process means you can access cash whenever and wherever you want..

MoneyMe can lend between $2,100 and $50,000. Following a five-minute loan application, the money can be in your account in just one hour, depending on your bank. However, applications made outside of business hours may take longer.

Paying back a loan

The MoneyMe approval process is simple and transparent. We’ll never let you borrow more than you can realistically pay back, nor will we leave you wondering about our cost structure. What’s more, our fees are very reasonable and transparent.

MoneyMe ensures that repaying your loan is simple. We’ll set up your direct debits on your nominated payday and you will receive a reminder in advance of that date. Concerned you will miss your repayment as the date nears? The MoneyMe team is available via phone, email, live chat, Facebook or Twitter – we will work with you to help resolve the situation.

MoneyMe will set up direct debits on your nominated payday and send you a reminder in advance of that date. Concerned about making your repayment by the nominated date? Don’t hesitate to contact the MoneyMe team – we will work alongside you to help resolve the situation.

Simple and secure

To borrow through the bank you will typically have to gather pay slips, bank statements, or other time-consuming documentation, as well as waiting some time for approval. The MoneyMe way is different – using illion Open Data Solutions we securely obtain your recent bank statements in seconds. Along with your personal details, this is all the information we need to process your loan. You can be assured we will keep all your information safe and secure.

Things to know
about our costs

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

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Tailored rates

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

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Upfront and honest

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

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We're here for you

Our team is available to help 7 days a week

What our customers say

Online Cash Loans

4.78/5

117 reviews

1 review

3

Applying was easy, being approved was quick and receiving my money was quicker then I’ve ever experienced from any other lenders. I will definitely recommend MoneyMe to my friends.

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1 review

3

A very simple and straightforward process for an embarrassing time for me financially. Thank you for the great, prompt customer service via email. No long waiting periods for my many queries. 👍

Like

1 review

5

A very easy process and I am very surprised by how fast and efficient the customer care is!! Good work. Keep it up, guys.

Like

1 review

5

Seamless and excellent. Very fast.

Like

1 review

5

Easy, effective and user-friendly. :)

Like

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98%

%

of customers
would recommend
MoneyMe to a friend

Ready to get started?

Cash Loans Online up to $50,000 | MoneyMe

A modern way to access credit

MoneyMe offers customers fast credit approvals for cash loans online. We are the next generation in money lending, offering smart and seamless online applications that are low doc and painless. With our advanced loan management platform, you can complete your application and receive an outcome for personal loans in a matter of minutes.

Learn more

A modern way to access credit

MoneyMe offers customers fast credit approvals for cash loans online. We are the next generation in money lending, offering smart and seamless online applications that are low doc and painless. With our advanced loan management platform, you can complete your application and receive an outcome for personal loans in a matter of minutes.

We do everything online, and there are no frequent phone calls required. We rely on technology to assess thousands of data points to deliver fast and accurate loan results, while all you experience is a simple and straightforward process. 

Cash loans online give you flexibility and help you plan ahead and cover your daily expenses when big costs suddenly arrive. When you need cash fast and you need it at a competitive rate, MoneyMe is here to help.

Fast cash for big and small spending

Anybody looking for extra cash will ask themselves the same question right at the start of the process: “How much can I borrow?” Finding the answer to this will help determine what you can achieve with the money you borrow and help allocate budgets for things like holiday trips, big occasions, home improvement costs and more.

 How much you can borrow will depend on a range of different factors, and affordability is one of them. MoneyMe believes in responsible lending, which means we always try to ensure that we’re only offering you an amount that you can comfortably repay. This includes short term loans like weekend loans or cash advance loans that can help you with everyday costs while waiting for your next paycheck. These kinds of small loans are a great way to help you cover unexpected expenses like car repairs or moving costs. We also offer a bond loan, rent assistance and renovations loan to help you manage bills and rental expenses all while staying in control of your finances.

 Moving into a new house can be particularly challenging, especially when you are relocating from a rental property to another. Not only do you have to outlay the bond payment for your new home, but you will also have other expenses like moving and cleaning fees to worry about. Cash loans online from MoneyMe are instant loans designed to help you cover these expenses upfront, getting them out of the way, so you can focus on enjoying your new home. Repayments are regular and tailored for affordability so you can absorb them into your day to day living expenses without any stress.

Easy cash for getaways

With all the everyday hustle and bustle, we get that you need to take a break, too! If you are planning the trip of a lifetime, consider a travel loan to ensure you can budget right and pay for your flights, accommodation and transfers all upfront. With easy-to-manage monthly repayments, your entire trip can be booked and ready instantly and you can slowly pay it off over a few years without breaking the bank.

Freestyle: The Virtual Credit Account

Another great option to consider is the MoneyMe Freestyle Virtual Credit Account. It works like a virtual credit card that pre-approves you for credit amounts from $1,000 to $10,000. But instead of another plastic credit card to add to your wallet, it lives in your smartphone. Use it to pay for in-store purchases using Tap and Pay or shop and pay your bills online. Powered by Mastercard, Freestyle is the modern way to pay later, transfer money straight to your account or anyone, and more.

 The good thing about the Freestyle account is, you don’t have to use up all the funds you’re pre-approved for, but you know they’re always there just in case you need them. It works by offering you a revolving line of credit that you can draw down when you need them and then either repay your small loans in full or on regular, scheduled payments. 

Customers with a Freestyle Virtual Credit Account are also eligible for up to 55 days interest-free on all purchases and transactions. With on-the-go funds available for instant purchases, you can afford to pay for limited-time discounts, such as cheap flights from Sydney to Brisbane, concert tickets in Melbourne or pay transport for quick family visits in Perth for the holidays. 

How to get a cash loan online

To be eligible to apply for either our personal loans Australia or a Freestyle Virtual Credit Account, you must be at least 18 years old, a permanent resident of Australia and currently employed. We take into account several factors to determine your loan rate, so no need to worry if your credit score is currently in bad standing or if you have no credit file available yet. Apart from your personal information and income, we also look into your credit history, financial commitments and living expenses. This way, you get personalised rates that you can comfortably repay.

Our easy loans are available for smaller amounts, and once we have seen your good repayment history with us, we can re-evaluate your profile and offer you better loan terms on your next application for easy loans.

As an online money lender with an Australian Credit Licence, it’s our responsibility to ensure that all of our customers can manage their credit products without overextending themselves. Our cash loans and small personal loans are available when you need them to help get you out of a tight spot and help you get your finances back under control.

Get the right loan rate

Using a personal loan calculator is a great way to check how much you can afford to repay and for how long. This online tool is easy to use and useful in giving your expected fortnightly or monthly fees for an unsecured personal loan or same day loan, including the personal loan interest rates you may be offered once you’re approved. You can use our personal loan repayment calculator to check how much interest will be payable over the entire course of your preferred payment duration. With a clearer picture of what your repayments will be like, you can easily budget for other expenses, such as home improvements, university course fees or daily expenses.

Apply anytime and anywhere

We understand that you don’t want to waste time with lengthy processes, that’s why we’ve built a streamlined loan application for our unsecured loans. Using your desktop, smartphone or tablet, you can apply for fast cash loans online wherever you are.

MoneyMe helps you make big purchases sooner rather than later, like having your dream boat through a boat loan or initial deposits for your dream car using same day cash loans. And if you’re looking for education funds, our student loans are great for covering tuition costs upfront especially when your university offers special discounts for students who are able to pre-pay for their courses.

Whatever you need cash loans online for, MoneyMe can help with approved loans for up to $50,000. Live your life and get yourself the money you need for some breathing space, travelling, or for paying for big important events like a wedding loan. Get the extra cash you need now with our quick loan approvals and easy online application.