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.

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.

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

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.

Why choose MoneyMe?

What can you expect

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.

What our customers say
Small loan


Out of 2,701 reviews

Ready to get started?

Up to $50,000

Awesome low rates with fast
approvals and flexible repayments.

Up to $20,000

Feature-packed low rate virtual
Mastercard® with interest-free terms.

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?

Up to $20,000

Low rate virtual Mastercard ®,
interest-free terms.

Up to $50,000

Low rates, fast approvals,
flexible repayments

Up to $50,000

Consolidate your debt into
one simple repayment.