The smarter, faster
way to borrow

Small 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 $35,000
  • 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 $35,000
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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Who we are

MoneyMe is a responsible finance provider offering small 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.

Our service

Have you been experiencing financial challenges? MoneyMe’s small, cash loans of between $2,100 and $35,000 can give you a boost whenever and wherever you want.

It takes only five minutes to complete your loan application. Once approved, you can have your money in an hour, depending on your bank. Please note that applications submitted outside of business hours may take a little longer to process.

By making your repayments on time, you will build a good MoneyMe credit history. Depending on your financial circumstances, this may enable you to borrow larger amounts at cheaper costs in future.

Paying us back

Responsible lending is central to MoneyMe’s core values in providing small personal loans, so we will never lend you more than you can realistically afford to repay. We will never leave you wondering about our cost structure and you’ll find our fees very reasonable.

Just as we have simplified the borrowing process for small personal loans, MoneyMe also makes repaying your loan easy and user friendly. Whatever sum you borrow, you can repay your loan according to your pay cycle and we will send you a reminder or two prior to your due date.

Should you have any concerns about making your repayments in time, simply contact the friendly MoneyMe team for guidance. We are available via phone, email, live chat, Facebook or Twitter and will work with you to find a suitable solution. While you may have to pay default fees, know that we will be completely upfront about these.

The MoneyMe way

Instead of requesting pay slips, bank statements, or other time-consuming documentation, MoneyMe use illion Open Data Solutions to securely obtain your recent bank statements online in seconds. Rest assured, our systems offer the highest levels of safety and privacy.

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

Small Loans

4.75/5

80 reviews

1 review

5
01-10-2020

The best experience ever!

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1 review

5
01-03-2020

Absolutely the best place to get a loan. 💯

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1 review

4.5
23-01-2020

Excellent!

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1 review

4.5
25-12-2019

Awesome service.

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1 review

4
23-12-2019

The money was in my account overnight. Fast and hassle-free.

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1 review

5
15-12-2019

You guys are awesome and I am really happy with the overall service.

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1 review

5
10-12-2019

Very good application process.

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1 review

5
28-11-2019

Awesome.

Like

1 review

4.5
27-11-2019

Very easy to deal with and super fast.

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1 review

5
19-11-2019

It was very easy to complete the process.

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1 review

5
09-11-2019

Much better service than any of the other small loan companies.

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1 review

5
23-10-2019

Two thumbs up. A1 service.

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1 review

5
28-09-2019

Very good service. I will be using MoneyMe again in the future.

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1 review

5
18-09-2019

Very quick.

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1 review

4
08-09-2019

You gave me a real lifeline. Thanks!

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1 review

5
04-09-2019

Fast and simple process. Quick response.

Like

1 review

5
16-08-2019

Awesome experience. Very fast.

Like

1 review

4.5
24-07-2019

Very fast and efficient. I applied for a loan and it was accepted and the money was in the bank on the same day. Very happy with the service!

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1 review

5
22-07-2019

It was a great service. The response time was awesome when I had a problem. Quick and easy service. Excellent.

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1 review

5
27-06-2019

Really helpful

Like

1 review

1
27-06-2019

Very happy

Like

1 review

5
22-06-2019

Excellent service

Like

1 review

5
11-05-2019

MoneyMe is quick and efficient to deal with.

Like

1 review

5
07-05-2019

Excellent

Like

1 review

4.5
17-04-2019

Fast, convenient and great system.

Like

1 review

5
10-04-2019

Very happy.

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1 review

5
07-04-2019

Excellent

Like

1 review

5
27-03-2019

Fabulous, thank you.

Like

1 review

5
19-01-2019

Excellent communication with staff about my queries.

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1 review

5
13-01-2019

Service is great.

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1 review

4
07-01-2019

Was very happy with the service and time it took from applying to getting a reply

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1 review

5
25-12-2018

Although there was a tech glitch with verifying my bank details that prolonged the application process, I was still extremely happy with how the team handled the process. I can't thank you enough for giving me the opportunity and funds to see my 2-year-old granddaughter whom I have not seen for a year. Thank you and happy holidays.

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1 review

5
20-11-2018

Awesome.

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1 review

5
17-11-2018

Happy with MoneyMe.

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1 review

1
10-10-2018

Very easy process.

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1 review

4
29-08-2018

Thank you very much for taking the time to help me out with my TAFE and holiday expenses. The $500 has really helped.

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1 review

4
24-08-2018

Easy and quick to use.

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1 review

5
24-07-2018

Outstanding!

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1 review

4.5
13-07-2018

Good service.

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1 review

4.5
12-07-2018

Very satisfied with your service. Thank you.

Like

1 review

5
05-06-2018

Fastest loan application and approval ever!!

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1 review

4
20-05-2018

I really enjoy the services

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1 review

5
15-04-2018

Great, wonderful, just when I needed it - thanks

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1 review

5
09-04-2018

Quality, fast service

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1 review

5
01-04-2018

Nice and easy fast service

Like

1 review

5
12-03-2018

"Simple process, very reasonable and affordable. I couldn't be happier with the overall experience. Yay for MoneyMe!!!"

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1 review

5
08-03-2018

Smooth transaction

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1 review

4
19-02-2018

Easy to manage and quick loan

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1 review

5
09-01-2018

Thank you so much. You have helped me. I will always stick with you now and in the future.

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1 review

4.5
29-07-2017

Super easy, very fast. Fantastic - thank you!

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1 review

3.5
14-07-2017

Fastest loan ever experienced. These guys are cool on the phone and make you feel at home, taking away all the loan tension. Repayment plans are well prepared for you and all you need to do is to play your own part of the game by keeping a good credit record. Although you might find a bit higher interest rate, I bet you you love these guys more than than the bank.

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1 review

5
15-06-2017

Quick and efficient process

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1 review

5
31-05-2017

Great

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1 review

5
11-05-2017

Fast & very easy process

Like

1 review

5
10-04-2017

I'm happy

Like

1 review

5
08-03-2017

Thank you.

Like

1 review

5
07-01-2017

Very good service fast. Thank MoneyMe team and keep up the great work.

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1 review

5
30-12-2016

It's good, really good

Like

1 review

4.5
08-12-2016

Very efficient & very easy

Like

1 review

5
08-12-2016

Quick and easy

Like

1 review

5
14-11-2016

Hi, and thank you. I needed more money than I had anticipated, my cat nearly died and I had very expensive vet bills. However, she is worth it. I really appreciate it.

Like

1 review

4
13-11-2016

Quick to apply, also a friendly staff and a good service

Like

1 review

4.5
22-10-2016

I was surprised at how easy and efficient the whole process was.

Like

1 review

5
09-06-2016

Very Helpful, Great Service

Like

1 review

5
07-12-2015

It was my first time using MoneyMe, I found the customer service and speed of the loan fantastic. The loan will greatly help my car rego and xmas.

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1 review

5
28-05-2015

I've had a great experience dealing with this company. I'm using the money loaded to repair a computer I urgently needed to have fixed.

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1 review

5
26-05-2015

Helpful, efficient and 100% client satisfaction.

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1 review

5
22-05-2015

I had a good experience, I was helped through the phone and through emails, I felt you were very reliable. Overall well done, no need for improvement

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1 review

5
11-05-2015

Very fast on approval, very happy to use this service when I can and it was used for every use such as food, travel, etc

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1 review

5
11-05-2015

I was very happy with the service provided to me the whole process was very fast.

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1 review

5
08-05-2015

MoneyMe application was easy, no hassles. Service was extremely fast. I had my money in the bank within a couple of hours.

Like

1 review

5
07-05-2015

Very quick approval with no fuss. I had an emergency situation that left me short of funds so this money will carry me through until my next pay

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1 review

4
27-03-2015

No improvement needed on customer service side.....very polite and helpful employees a credit to the company.

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1 review

5
14-03-2015

Easy process, quick response, very happy

Like

1 review

5
08-03-2015

The loan application is quick and simple, the staff are very helpful, I used the loan for appliances and relaxation over a long week end : )

Like

1 review

5
07-03-2015

Very well done and I need to get some tools for my work. There is no need for improvement

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1 review

5
07-03-2015

No need for improvement.

Like

1 review

5
04-03-2015

Extremely fast and perfect communication

Like

1 review

5
02-03-2015

I had outstanding bills to fix before my monthly salary and your loan helped pay for them.

Like

1 review

5
27-02-2015

My experience so far has been excellent. I am using my loan to pay some urgent household bills.

Like

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98%

%

of customers
would recommend
MoneyMe to a friend

Ready to get started?

Small Loans up to $35,000 Approved Online | MoneyMe

A new credit solution

Experience fast approvals for big and small loans up to $35,000. As the new generation of lending, we do things differently – we provide fast credit solutions for Gen Now. To start with, we are completely online which means there are no lengthy paperwork or long queues. Everything we offer exists online – even your small loan contract is signed off digitally.

Learn more

A new credit solution

Experience fast approvals for big and small loans up to $35,000. As the new generation of lending, we do things differently – we provide fast credit solutions for Gen Now. To start with, we are completely online which means there are no lengthy paperwork or long queues. Everything we offer exists online – even your small loan contract is signed off digitally.

As a lender with smart and quick loan process, we’re all about utilising advanced technologies to speed up the outcome of your application, including credit products like small loans, personal loans and fast cash loans. Simply complete the online application form, get approved in minutes and depending on who you bank with, your money hits your account in as little as 60 seconds. It’s that fast and simple.

We’re different from traditional money lenders which offer loans with tons of paperwork, phone call interactions and days of waiting. Our credit solutions are just a few taps away and you can access them anytime, anywhere.

How to get a small loan

Applying for loans online is simple, quick and easy when you do it the MoneyMe way. To qualify for our loan application process, you must be currently employed, a resident of Australia and above 18 years old. If you put a big check on all these requirements, then you’re all set! During the application process we ask you to provide your online bank details. Through a secure portal, we receive them as read-only 90-day documents in PDF format, which means MoneyMe can’t access your bank information. These snapshots, along with your income, debt obligations and living expenses, are all we need to give you a fair and personalised rate.

Our advanced data technology allows us to provide you with a quick approval process so you get the easy money you need, straight away and without any hassle. Apply online, get approval within minutes, and receive your small loan on the same day!

Easy cash access for right now

Our quick and simple small loans allow you to easily manage unexpected expenses and sort out bills you may need to pay off right now. A cash advance gives you the flexibility and option to have extra cash when you need a little breathing space. Or if you’re in the process of moving into a new home, our rental bond product is perfect for looking after your utility bills or removalist fees. Alternatively, if what you’re after is immediacy and the option to repay comfortably at a fixed rate over a period of time, our small personal loan may be just the right product.

Coming up with cash quickly may be a bit of a challenge, but with an online small loan, the process becomes a breeze. These mini loans offer great credit options for managing bills and a simple approach in taking control of your finance and cash flow for everyday living expenses. Access to these loans allows you to sort out your repayments easily, without the worry of getting unexpected fees and charges.

For your on-the-go purchases

MoneyMe offers a line of credit called Freestyle – a virtual credit card that allows you to manage payments and make purchases anytime, anywhere. Unlike conventional credit cards, Freestyle exists entirely online and lives on your phone. It enables you to Tap n Pay, shop online and transfer money straight to your bank when you need it. Payments have never been this smart, fast and convenient!

Make payments straight away

Our modern responsible lending offers quick cash loans up to $35,000 that can be applied for and used for a wide variety of reasons. Get access to quick small loans to help you pay your dream holiday getaway, book the venue for your big wedding or secure your child’s future with college and school loans. Our student loans also cover adult education in the form of university loans or overseas travel loans to help you cover the costs of studying abroad. A faster, better way to live your dreams!

Personalised and flexible rates

A personal loan calculator gives a clear picture of how your fortnightly or monthly repayments would look like so you can easily understand how these will affect your current expenses. So if you’re considering applying for an unsecured easy loan, this useful online tool is the first step to take. To get a computation of your expected rates, just select your desired loan amount, your preferred repayments schedule, and your estimated credit rating which determines your fixed interest rate.

Loan qualifications

To qualify for a long or short term loan with us, you need to meet a few simple credit score requirements. As part of our approval process, we will assign you a MoneyMe loan rating based on your credit report and history. Each time you take out a MoneyMe loan and make your repayments on time, your MoneyMe loan rating improves. This can help you get access to better loan terms and lower rates.

We look beyond your credit score, so you don’t have to worry if your credit file reflects a negative credit behaviour in the past. We understand life is not always easy. We use comprehensive credit reporting (CCR) to look at positive credit behaviours, repayments and transactions over the last 24 months so we can form a fairer review of your financial situation. With the new comprehensive reports, the outcome of your loan application becomes mor accurate and fair.

Better loan terms

We love showing appreciation to our customers. Once you have successfully completed your repayments with us, we re-evaluate your account and may be able to give you access to better loan terms on your next application. If you’re having trouble with your repayments and for any other questions you may have, please do not hesitate to let us know. We’re here to help.

Apply online now for small loans and same day loans and get approved in a matter of minutes. The process is completely online, straightforward and hassle-free no matter what device you are using. Get loans the MoneyMe way and start managing and taking control of your finances, your way.