Get a low rate personal loan today

Cheaper Rates

Rates starting lower
than the big 4 banks

for an unsecured personal loan

Fast & Easy Application

Fast & easy
online application

Money on same day

Money can be in your
account same-day

applied before 5pm (Sydney time)

Flexible payments

Flexible repayments
with no early exit fees

Loans for moving
Loans for moving
Loans for new family members
Loans for new family members
Loans for renos
Loans for renos
Loans for cars
Loans for renos

Our awesome low rates
vs the big 4 banks


This comparison rate is based on an unsecured personal loan of $30,000 for a term of 5 years. 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. $495 establishment fee and $10 monthly fee applies. Comparison as of: 30/07/2021

Apply with confidence

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Simple, online application process

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No-obligation personalised offer

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Fast same-day assessment

Funds transferred immediately after approvalNew Payments Platform

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What is an unsecured loan?

An unsecured loan is where money borrowed from a lender is not guaranteed against a security. This is compared to secured loans, where a house or car needs to be pledged. MoneyMe unsecured loans are available entirely online. This means you can get up to $50,000 fast, with no paperwork or queuing.

What is the difference between secured and unsecured loans?

A loan that is backed by an asset, like a car or house, is a secured loan. The lender may sell the secured asset if you cannot repay the loan, which they cannot do if the loan is unsecured. MoneyMe offers only unsecured loans, which you can apply for online in 3min.  

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How to get an unsecured loan?

Getting an unsecured loan with MoneyMe is quick and easy:

  1. Complete the 5min loan application on our website, select your desired loan amount and how long you need to repay the loan.
  2. Fill in personal and bank details, estimated income, and email address.
  3. Receive a decision in minutes and, depending on your bank, cash within minutes too.

Unsecured loans, easy application

For easy loans, think MoneyMe. Our online, simple loan application process takes just three minutes to complete and gives you access to a straightforward, transparent finance option.

There are times in life when you might find that you need cash right now. MoneyMe unsecured loans have quick and easy approvals. They’re the safe, hassle-free way to get the cash you need, with no hidden fees, long wait times or other tricky complications

Get your unsecured personal loan fast!

Once you’ve completed our online application, we’ll get back to you quickly, within the same day if applied during business hours. Upon approval, funds can be in your bank account in an hour or less - you could even have your cash in seconds! This depends on your bank of course and if you apply outside of business hours, it will generally take a bit longer. It is so simple to get a loan that you can use it for just about anything including for a small business.

At MoneyMe, we’ll never lend you more than you can afford to repay and there are no hidden transaction fees.

Repayments are aligned with your pay cycle. If you're late paying us back, there may be additional fees, but we're completely upfront about these. If you're having trouble repaying, get in touch with us ASAP and we may be able to help. You can easily contact us via phone, email, live chat, Facebook or Twitter.

Small loans minus the hassle

Used to lenders demanding your life's history via fax or email? Our simple and easy online application process uses fast and secure Proviso. We can access 90 days of your bank statements online in a matter of seconds and the information is read-only so no one can touch your account. There’s no messing around with sending us paperwork. Supply your basic personal details and that’s all we need to get started with your loan application.

Got Questions?

At MoneyMe, we pride ourselves on being transparent. Our full terms, conditions and fees are all available on our website in simple, easy to read language. Check out our FAQs for a detailed explanation of our lending and repayment processes and if you have any further queries, our online Live Chat can put you in touch with us immediately.

What our customers say


Out of 2,701 reviews

Unsecured Loans up to $50,000 Approved Online | MoneyMe

A fast and seamless loan process

MoneyMe is an Australian money lender offering unsecured loans for up to $50,000. Apply online, get an outcome fast and depending on who you bank with, your funds may hit your bank account in as little as 60 seconds. We offer quick loans and a revolving line of credit minus the unnecessary phone conversations and paperwork. Our loan process is entirely online – from the moment you start your application until you receive your money.

Learn more

A fast and seamless loan process

MoneyMe is an Australian money lender offering unsecured loans for up to $50,000. Apply online, get an outcome fast and depending on who you bank with, your funds may hit your bank account in as little as 60 seconds. We offer quick loans and a revolving line of credit minus the unnecessary phone conversations and paperwork. Our loan process is entirely online – from the moment you start your application until you receive your money.

With MoneyMe, you can now apply for larger unsecured loans, including car loans and boat loans, right in the comforts of your home. We offer fast approvals on our quick loans and same day cash loans for eligible customers.

How do unsecured loans work?

To help you better understand how unsecured loans or credit cards work, we have prepared some easy-to-digest explanations for you.

Personal loans may be classified as either secured or unsecured. An unsecured loan is a loan offered to a credit customer that is not tied to the value of an asset that the customer owns. Unsecured loans are offered to customers without the need for collateral like a house or a vehicle. Secured loans, by contrast, are offered only with collateral like cars and property.

A secured loan protects the credit provider against the risks of their customer not repaying the value of the loan, which may result in low comparative interest rates due to the lower risk. If the customer defaults on the loan repayments, the credit provider can assume ownership of the security asset that the loan was secured against and then sell that asset to recoup some or all of the remaining money that is owed. MoneyMe offers only unsecured loans to our customers, which means we won’t be needing you to present collaterals when you decide to apply for a loan with us.

How do interest rates on unsecured loans work?

Personal loan interest rates are calculated based on a range of factors when an individual applied for unsecured loans. Here at MoneyMe, to be eligible to apply for our personal loans, you must be at least 18 years old, a resident of Australia and currently employed. When you make your application online for any of our same day loans, part of our process is getting information about your income, current living expenses and other debt obligations you may have. We then calculate the best fit loans for your needs, applying an interest rate and a credit limit which reflects your risk as a credit customer.

If you’re young and you don’t have much in the way of credit history yet, we understand. You may not be able to get the credit amount you were hoping for cash loans at first, but making timely repayments within your loan term will give your account a chance to be re-evaluated for future applications. This means you may get access to better small loan rates if your MoneyMe profile reflects a positive repayment history.

The same principles apply for individuals with a less than great credit history. Sometimes life happens and this can mean your credit file suffers a bit. By applying for short term loans or other smaller express loans and making repayments on time, you can rebuild good credit history and improve your rating to be able to access larger unsecured loans.

Use a loan calculator

How much can I borrow: To answer this question, you can always use our personal loan calculator. A personal loan repayment calculator will show you what your likely repayment amount will be over the term of your chosen unsecured loans. For example, if you’re looking for some short term rent assistance, then you can quickly see how repayments on a bond loan or other small personal loan will likely affect your current financial circumstances.

Shorter loan terms mean you pay interest for a shorter period and will translate to lower overall interest charged on your personal loans Australia. However, when you take out same day cash loans for shorter loan terms, the monthly repayments are higher than if your loan was taken over a longer period. Make some quick calculations before you submit your application to ensure you’re choosing the right credit product that works for you.

Or… you can Freestyle it!

You may find a more flexible line of credit to be a better option for you compared to unsecured loans where you get funded in full amount upon signing your loan contract. The Freestyle Virtual Credit Account is more than just a revolving line of credit. Rather than another plastic card to keep in your wallet, Freestyle is like a virtual credit card that lives inside your mobile phone. When you apply for a Freestyle account, you get results in a matter of minutes and access fast credit of up to $10,000.

Just like a credit card, Freestyle is powered by Mastercard but it lets you do so much more. Use it to Tap n Pay in-store or shop online at your favourite stores anytime you like. Plus, you can use it to transfer money straight to your bank or anyone! With quick and flexible cash advance at your fingertips, you have the freedom to use it to pay for things like flights, urgent car repairs or other little emergencies. Freestyle gives you the peace of mind knowing that funds are available to you whenever you need them, and you can repay them in full or over your preferred repayment duration.

The most important difference between a line of credit and unsecured personal loans is that when you begin to repay your credit balance, the funds you have repaid become available again for you to draw on. This means you can take out easy loans from your line of credit whenever you need cash up to your pre-approved amount, all while repaying them at your own pace.

What can unsecured loans be used for?

If it’s a more definitive purchase where there is a set amount that you need to pay in a fixed period, then unsecured loans like our travel loan or renovations loans may be a better option for you. These cash loans online are available for up to $50,000 and you can have them in your bank account fast once you’re approved.

Choose our student loan options for quick approvals and pay for your tuition upfront. Get cash quickly to cover expenses like moving costs or to stop falling behind on bills and other little expenses. Choose the smarter way to manage your money and bundle your costs into a single unsecured loan that give you the freedom to budget better and get ahead.

Get a wedding loan to ensure that the most important day of your life is exactly like you imagined it would be. Unsecured loans from MoneyMe are made for whatever you need cash today for, so you can stop putting off your dreams or delaying your holidays and start turning them into a reality.

MoneyMe is not like any other lenders. We are fast, hassle-free and reliable. We offer our customers unsecured loans and a line of credit that are easy to apply for with fast approvals, so you get access to the money you need sooner rather than later.

What our customers say


Out of 2,701 reviews

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