We back your ambitions

Small loan

Low interest rates and money in your bank account within 60 minutes

A feature-packed virtual card, ready to use instantly on approval

Simplify your debts into one low monthly repayment

Small Loans up to $50,000 Approved Online

A new credit solution

Experience fast approvals for big and small loans up to $50,000. 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.

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A new credit solution

Experience fast approvals for big and small loans up to $50,000. 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.

With our small loans Melbourne, small loans Perth, small loans Brisbane, small loans Hobart, small loans Sydney, and small loans Adelaide, you get to enjoy a quick loan process that is entirely done online. Simply complete the online application form, get approved in minutes, and wait for the fund to hit your account in as little as 60 seconds. It’s that easy.

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.

Manage your finance easier

Personal loans give you access to refinance options and help you manage bills and debts. We understand that getting on top of your bills and payments can be a bit challenging at times.

Here at MoneyMe, we can provide fast credit solutions to help with your everyday credit needs. One of our payment solutions is Freestyle, our virtual credit card. Applying for a Freestyle virtual credit card is easy and fast – just apply via the MoneyMe app or website, add it to your mobile wallet, and your credit is available 24/7 a few minutes after your approval. It’s that simple!

Apart from your credit file, we consider various factors to determine your interest rate. This includes your income, debt obligations and living expenses. Every bit of information helps us paint a more comprehensive picture of your finances and come up with a fully customised rate.

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 $50,000 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

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.

Small Loans

Whether you are doing some front yard landscaping or planning next month’s kitchen renovation, small loans from MoneyMe will surely come in handy. With our convenient alternative to bank loans, you can spend to your heart’s content without worrying about assets being taken from you. 

Here at MoneyMe, we genuinely want what’s best for you – we are a finance company built for Generation Now, by Generation Now after all. 

We understand that you have specific needs not only as a customer, but as a consumer as well. That is why our intuitive smartphone application and unsecured loans make it so that you can enjoy life to the fullest. Instead of waiting for the next payday, why not borrow money that will arrive in the next few minutes? 

How can I get a small loan with bad credit? 

Even with bad credit, you can still apply for personal lending with MoneyMe. Simply make sure that you are eligible and then have our team factor in a number of other variables to make a fair loan decision. 

Here is a three-point list for personal loan eligibility in our digital financial service company. To be able to get a personal loan from us, you have to be

  • a resident of Australia,
  • above the age of 18, and
  • an individual with a steady job income.

If you meet the above qualifications, we can look further into your situation and assess it beyond your raw credit score history. 

Apply for small loans today, and MoneyMe will take into account other factors such as your living expenses, debt obligations, and income. Utilise our online platform and get a chance to enjoy low credit score personal loans

Where can I get a small loan with bad credit?

Need a loan but doubt any lenders would even entertain your request because of your bad credit? Well, look no further as MoneyMe is here to help. 

At MoneyMe, we look through both the micro and macro lenses to see your whole story. With our services, we check every aspect of your lifestyle so that your request for small financial loans can get a chance to be approved.  

When you apply for small loans, we consider not only your credit score, but other important conditions such as overall income, obligations from debts, and living expenses. This way, we can make a fair and just decision and potentially provide you with cash today

Download our mobile app or load up our website now to apply for small loans even if you have a bad credit report.

Can you get a small loan from your bank?

While you can get small bank loans, you may not always like the interest rate charges provided. Not to mention that some banks may have terms in fine print and may even require you to pay hidden fees.

Through our services at MoneyMe, you can avoid that stressful bank loan process and experience transparency, convenience, and speed as unique benefits.

Using our premium service means that you know just how much you have to pay at the end of every two weeks or one month. With our small loans, what you sign up for is what you get – we even give you the option to use our free personal loan repayments calculator so you can better handle your expenses.

What are you waiting for? Join the MoneyMe family today and get low interest on a personal loan! 

Can I get a small loan with no credit?

We know what you’re thinking, ‘I can’t get small loans because I lack credit.’ We’re here to disprove that. 

At MoneyMe, we don’t just stop after looking at your credit score statement. Unlike traditional lenders, we look at the bigger picture when we review applications for small loans. 

We give you a fair shot at getting a loan by analysing all your possible sources of income, increasing living expenses, and current obligations you may have because of debt. 

This way, you can potentially receive funds, grow your MoneyMe credit from the entry-level rating to the ‘A1+ - Impeccable’ rating, and get lower interest rates in the future as a result of your repayment consistency. 

Don’t waste a second longer – download our mobile phone app available at the Apple App Store and Google Play Store to get small loans from MoneyMe. 

How to get a small loan fast with bad credit?

Getting a small loan from a traditional lender can be a difficult task – what more if you have a bad credit score? 

With MoneyMe, you can have a better shot at getting a private loan. This is because we take into consideration a number of factors that will help us understand your current situation better. 

For instance, if you have a bad credit score, we won’t just disregard your application after we have seen the numerical expression. Instead, our skilled team will cover all the bases by looking at your living expenses, income sources, and even debt obligations. 

With MoneyMe, you can be assured of a fair decision. Allow us to listen to your unique financial story so that we can give you a loan you can afford.

Where can I get a small loan fast?

Due to the constantly changing financial landscape, you need a future-proof option that will satisfy your Generation Now spending needs. 

Borrow a small amount of cash from MoneyMe and enjoy a plethora of benefits – low interest rate for personal loans being the most apparent.

With our small loans service, all we need is for you to make a MoneyMe account and then input the necessary financial information in the application. Once this is completed, we will review your request at an instant and can potentially transfer money to your bank account in a matter of minutes. 

Oh, and did we mention that all of this can be done in the comfort of your home? That’s right, our application process is 100% online so you don’t have to stress about the stacks of paperwork traditional banks make you sign. 

With MoneyMe, click and you shall receive. Download our mobile app now to apply for the amount and pay term you want.

Ready to get
started?

Low interest rates and money in your bank account within 60 minutes

A feature-packed virtual card, ready to use instantly on approval

Simplify your debts into one low monthly repayment

What do repayments look like?


Lucy, 38

6.25% 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.


Our customers LOVE us

Small loan

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!

4.7/5

Review Stars Out of 2,701 reviews

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 $50,000 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.

Ready to get
started?

Low interest rates and money in your bank account within 60 minutes

A feature-packed virtual card, ready to use instantly on approval

Simplify your debts into one low monthly repayment

Personal Loans are running hot!

55 people in the last 24 hours have applied

Freestyle is running hot!

55 people in the last 24 hours have applied

Debt Consolidation is running hot!

55 people in the last 24 hours have applied