Why choose MoneyMe?

What can you expect

What do repayments look like?


Lucy, 38

8.99% p.a. interest rate

12.36% p.a. comparison rate*

Excellent credit rating

Borrowed $17,000 over 5 years

Monthly repayments: $370.58


Matt, 29

19.25 % p.a. interest rate

21.12% p.a. comparison rate**

Fair credit rating

Borrowed $6,500 over 3 years

Monthly repayments: $258.33




*This comparison rate is based on our personal loan for an amount of $10,000 over 3 years wich includes a 5% establishment fee.

**This comparison rate is based on our personal loan for an amount of $30,000 over 5 years and an 8% (capped at $1,200) establishment fee.

WARNING: These comparison rates are 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.


Things you should know

For an unsecured personal loan of:



Medium Loan From $2,100 to $3,000

Repayment period:

• Minimum 12 months    • Maximum 24 months

Based on an unsecured loan of $2,500 over 2 years:

  • Minimum interest rate of 8.99% p.a. (16.78% p.a. comparison rate*). The total repayment is $2,960.07, which includes $2,500 principal, $200 establishment fee and $260.07 interest.

  • Maximum interest rate of 29.99% p.a. (38.50% p.a. comparison rate*). The total repayment is $3,622.82, which includes $2,500 principal, $200 establishment fee and $922.82 interest.

*Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.

Personal Loan From $3,001 to $50,000

Repayment period:

• Minimum 12 months    • Maximum 60 months

Based on an unsecured loan of $30,000 over 5 years:

  • Minimum interest rate of 8.99% p.a. (10.68% comparison rate*). The total repayment is $38,850.56, which includes $30,000 principal, $1,200 establishment fee and $7,650.56 interest.

  • Maximum interest rate of 19.25% p.a. (21.12% p.a. comparison rate*). The total repayment is $48,818.59, which includes $30,000 principal, $1,200 establishment fee and $17,618.59 interest.

*Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.

Things you should know

For a line of credit:



Fees and charge

  • Interest rate 16.99%*

  • Credit limit approvals up to $20,000

  • Minimum withdrawal amount is $100

  • Monthly account fee of $5

    Only applies if outstanding balance is over $20

  • Annual fee from $0 to $149

    Based on your credit limit and rating

*This interest rate is based on the Annual Percentage Rate (APR). Our APR is calculated daily by applying the daily APR and charged in arrears on the oustanding balance of your loan to the date your payment is due.

Other fees that may apply

  • Dishonour fee of $15

    This is payable each time a direct debit is dishonoured on your commitment to make a loan repayment is not met.

  • Overdue account fee of $15

    This is payable each time your account is not up to date by the end of the last day of the month.

Example repayments

Based on a revolving line of credit of $20,000 over 3 years

  • Minimum interest rate of 16.99% p.a. (20.44% p.a. comparison rate^) with total cost of $3,460.19

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.

What our customers say
Same Day Cash Loans

4.70/5

101 reviews

[title here] [long description here]
98%

%


of customers
would recommend
MoneyMe to a friend

1 review

5

Thank you so much. MoneyMe was very fast in giving me an answer. I will be coming back and telling friends and family about MoneyMe.

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1 review

3

Fantastic.

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1 review

5

I received the loan very quickly after applying. Well done, MoneyMe.

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1 review

4

Quick and efficient. I had the money on the same day.

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1 review

5

I'm absolutely happy with everything that MoneyMe has been done within the last 24 hours.

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98%

%


would recommend
MoneyMe to a friend

View our products

Up to $20,000

Low rate 16.99% p.a. & $250 back*

  • Up to 55 days interest-free
  • Fast approval in minutes
  • Add to mobile wallet to use instantly
  • Transfer credit to your bank or
    pay anyone

*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only.
View full T&C’s here.

Up to $50,000

  • Money in your bank in as little
    as 60 minutes
  • Online quick application
  • Simple repayments and costs nothing to repay early
  • Low rates tailored to your profile

Up to $20,000

Low rate 16.99% p.a. & $250 back*

  • Up to 55 days interest-free
  • Fast approval in minutes
  • Add to mobile wallet to use instantly
  • Transfer credit to your bank or pay anyone

*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made between 31/07/2020 and 31/08/2020.
View full T&C’s here.

Up to $50,000

  • Money in your bank in as little as 60 minutes
  • Online quick application
  • Simple repayments and costs nothing to repay early
  • Low rates tailored to your profile

Get cash today- fast and simple application with no paperwork

There are times in life when quick access to a little more cash can come in handy- like for that purchase you just can’t wait for or to secure a great deal. Or, perhaps you have an unexpected expense and don’t want to compromise your lifestyle. With MoneyMe, a same day cash loan could be yours for any amount ranging from $2,100 up to $50,000.

With our fast, online approval you could be set up with a cash loan today; then repay it within your normal pay cycle. There are no hidden costs.

And if you need another loan, you’re able to apply for a new one as soon as your current loan is paid off.

Quick online application

Applying online is simple and secure. Because you don’t need to provide us with paperwork like bank statements or payslips, we can get back to you about your loan approval so much faster.

To be eligible to apply you must be working in Australia and 18 years or older. Just so you know, we truly believe in responsible lending– we won’t lend you more money than we feel you’re comfortably able to repay.




You’ll get a same-day response

Once you’ve applied we’ll get back to you quickly - your money could be in your bank account on the same day, depending on your bank. However, be mindful that it generally takes a little longer to approve your application if it’s lodged outside of business hours.

Get started now with your 3-minute same-day loan application.




View our products

Up to $20,000

Low rate 16.99% p.a. & $250 back*

  • Up to 55 days interest-free
  • Fast approval in minutes
  • Add to mobile wallet to use instantly
  • Transfer credit to your bank or
    pay anyone

*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only.
View full T&C’s here.

Up to $50,000

  • Money in your bank in as little
    as 60 minutes
  • Online quick application
  • Simple repayments and costs nothing to repay early
  • Low rates tailored to your profile

Up to $20,000

Low rate 16.99% p.a. & $250 back*

  • Up to 55 days interest-free
  • Fast approval in minutes
  • Add to mobile wallet to use instantly
  • Transfer credit to your bank or pay anyone

*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made between 31/07/2020 and 31/08/2020.
View full T&C’s here.

Up to $50,000

  • Money in your bank in as little as 60 minutes
  • Online quick application
  • Simple repayments and costs nothing to repay early
  • Low rates tailored to your profile

Same Day Cash up to $50,000 Approved Online | MoneyMe

Easy online loans

Experience a faster and easier way to access same day cash. With MoneyMe’s entirely online process, you get the fast money you need in as little as 3 minutes – from the moment you start your application up to getting your funds. No paperwork, no phone calls and no several days of waiting. Just a quick cash loan delivered to you right when you need it.

Learn more

Easy online loans

Experience a faster and easier way to access same day cash. With MoneyMe’s entirely online process, you get the fast money you need in as little as 3 minutes – from the moment you start your application up to getting your funds. No paperwork, no phone calls and no several days of waiting. Just a quick cash loan delivered to you right when you need it.

Here at MoneyMe, we’re all about making things easier for you. We understand this generation’s fast-paced lifestyle and desire for quick services and convenient solutions, that’s why we’ve built a loan management platform to fulfil this growing demand. With our advanced proprietary technology that assesses thousands of data points in real-time, you get a fast same day cash loan decision that is tailored to you and your personal circumstances. We believe in responsible lending, so we make sure that we are only offering you an easy loan rate that you can comfortably repay. We also align your repayments with your current pay cycle, so you don’t have to worry about late fees and charges!

Eligibility requirements

You have to be a permanent resident of Australia, at least 18 years old and currently employed to be eligible to apply for a personal loan. If you’ve put a big check on all these requirements, then you’re just a few taps and clicks away from your same day cash!

We’ve got you covered

If you’re after a prospective lender with an Australian Credit License who offers same day cash loans at a fixed interest rate, you don’t have to look any further. MoneyMe offers unsecured small loans and fast cash loans if you’re considering some refinance options or simply looking for quick access to extra cash for managing bills and debts. We also provide fast loans if you need easy money for immediate home repairs or renovations, as well as bond loans to help you pay for rental fees upfront.

MoneyMe is also here for your key life moments. Whether you are off to a big university for your dream college course or to further your study by applying for a master’s degree, we can offer you a student loan to assist you with school fees. Our rates are flexible and student-friendly, giving you one less thing to worry about so you can fully focus on learning.

Or maybe, you’re just a few months away from tying the knot. Apply for our loans online and get fast access to wedding loans so you won’t have to worry about unexpected expenses on the day itself. With same day cash at your fingertips, you can make your big day even more special.

Rewarding yourself with a much-deserved getaway is something to look forward to as well. Whether you just graduated from college or looking for a few days of relaxation after a hectic week at work, you may apply for travel loans with us. This way, you won’t have to use your savings or wait for your miles to get enough points to finally book your dream destination. Use your same day cash to buy your tickets, reserve accommodation and fly in no time!

The better pay-later solution is here

Meet Freestyle – Australia’s first virtual credit account that provides fast access to up to $10,000. Freestyle is more than just an average line of credit or a credit card. Instead of having another plastic card to squeeze in your wallet, Freestyle is digitally stored inside your phone. Use it to Tap n Pay in-store, shop online and transfer money straight to your bank account, your friends or anyone!

Freestyle is the new go-to payment buddy of Gen Now: you can use the same day cash to purchase items at your favourite store, pay for your music and movie subscriptions, or even when you just want to grab your daily dose of coffee. Powered by Mastercard, Freestyle lets you enjoy perks that no other pay-later credit products can offer. Take it anywhere, use it anywhere – Freestyle it!

Our requirements for a Freestyle account application is similar to our same day loans. You must be currently working in Australia and at least 18 years old to be eligible. Once you’ve been approved, you can take advantage of our interest-free period for same day cash of up to 55 days! This means you can spend more on the things you love and pay no interest at all within a longer period. Sounds cool, right?

Know your ideal rate first

If you haven’t applied for quick cash loans before or if you need more perspective on how much to borrow, using a personal loan repayment calculator may be able to help you out. A loan calculator is a free online tool that provides you with on-the-spot calculations of your expected monthly rates according to your loan amount preference. How it works: just select your desired same day cash loan amount, your preferred repayment period and a quick description of your credit history. All you need are these basic information, and you’ll get your results right then and there!

The good thing about using a personal loan calculator is that you can easily play around with the amount and payment duration until you arrive at a repayment amount and establishment fees that suit you. Although all the numbers you are seeing via the fast calculator are still subject to further assessment and suitability, it’s a great start to know how to adjust your living expenses to give way to your monthly repayments and stay on top of your cash flow.

Important factors we consider

Apart from your personal and employment information, we also take into account other various factors such as your credit history, income, financial commitments and living expenses in order to come up with a fairer, tailored rate.

And since our loan process is completely paperless, we also ask for your online bank statements for fast loans. Through a trusted and secure data portal, we obtain your banking activities for the past 90 days as read-only documents to help us fast track your same day cash application. We use the same security-level encryption that your bank uses, so you are assured that your data is safe and there’s no way anyone at MoneyMe can access your bank details.

These snapshots, along with your personal information, income and existing financial obligations, are all we need to gather to come up with your personalised loan rate.

We see the whole picture

Since 2018, there has been a positive change in the way credit reports are presented in Australia. The Comprehensive Credit Reporting (CCR) allows money lenders to share your credit score and more of your credit information to the credit bureaus who accumulate your data. Citing both the negative and the positive, not only do we see your past defaults, late repayments and credit enquiries for same day cash, but also your efforts and initiatives to boost your credit score. This way, we get to see the whole picture of your credit history and you may be able to positively influence your credit score by simply making repayments on time.

Apply anytime and anywhere

We’ve made applying for personal loans a breeze. Forget about lengthy paperwork. Forget about long queues and waiting times to get a loan outcome. MoneyMe’s digital application process lets you apply for cash loans wherever you are at the time you need them. You can finish your online loan application for a same day cash in no time – it’s all easy and straightforward! Whether you are at the comforts of your home, riding on a bus on your way to work or waiting for your food to be served at your favourite restaurant – you can apply online in minutes using your mobile phone.