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low rate personal loans

Personal loans for

Trusted by thousands of Australians

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Award winning lender

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Excellence Award 2022*

Winner of Canstar's Innovation Excellence Award 2022*

Estimate your

Find out how much your repayments and
interest rate could be with our calculator


Monthly repayment from


Example interest rate

9.20 %

Comparison rate*

10.58 %

Total charges


Total repayments


Disclaimer: This calculator provides an estimate only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change. Any calculations made by you using this calculator is intended as a guide only.

Personal Loans

MoneyMe is Australia’s online lender offering low rate personal loans of up to $50,000 in minutes. Applications are fully online and take you less than 5 minutes to complete and submit. You could be approved and have your new cash loan transferred to your bank account the same day that you apply. Depending on which bank your account is with, this could mean that the money you need arrives in your account within 24 hours of submitting a new application online.

All of our personal loans are offered as unsecured loans and start from $5,000. You can choose loans terms from 12 months up to 5 years (60 months). As variable rate personal loans, the low interest rate you are offered by MoneyMe is variable throughout the term of your loan. You repay your loaned funds in regular instalments over the term of your loan, knowing how much your repayment amount is and when it is direct debited before you accept your new loan contract. The total cost of any finance product offered by MoneyMe is clearly stated in your loan contract and should you have any questions, you can contact us via phone, email or even live chat via our website.

As a wholly online lender, we specialise in offering fast, easy and effortless finance for anyone who needs cash loans quickly. There is no paperwork to fill out and we don’t demand lots of supporting documentation like payslips or employer references. Instead, when you apply online with us, you access a fast and intuitive online application form that doesn’t ask for repeat information or hold you up with endless questions. When you have completed filling out our fast online application form, you will be directed to a secure page and asked to log into your online banking profile. MoneyMe uses the same advanced encrypting technology that your bank does to ensure that your credentials are completely safe, even from us. We do not receive your login details. Once you are logged in, your bank will automatically forward the most recent 90-day transaction statement from your account. This statement is used by our loans assessment platform to verify your application details including your salary or wages, your rent or mortgage repayments and any other debts and living expenses you incur. Our proprietary AI-based loan management platform will then decide on a loan amount and interest rate that fit your lending profile.

Approved applicants typically receive details of their loan offer within an hour of submitting an application during our business hours. Review your loan offer from us carefully to ensure that you understand how much your total loan value is and your repayment obligations. If you are happy with the offer that we have made you then simply accept your loan contract online (there’s no need to print out any paperwork, sign and return it). Once we have received your online acceptance then your funds are transferred immediately. This may mean that the quick cash loan that you have applied for arrives in your account the same day that you applied for it. It doesn’t get any quicker or easier than that.

Personal loans are a great way to get in front of your finances. They offer you a lump sum payment, transferred directly into your account. We do not assume responsibility for any of your creditors and nor do we close any existing credit accounts on your behalf. You remain in total control of your funds and how you wish to use them.

Personal loans are a great way to get in front of your finances. They offer you a lump sum payment, transferred directly into your account. We do not assume responsibility for any of your creditors and nor do we close any existing credit accounts on your behalf. You remain in total control of your funds and how you wish to use them.

Expenses like getting your vehicle repaired, moving to a new rental property or paying for medical costs like procedures and equipment can be difficult to absorb. For many people, finding the cash for emergency expenses can be stressful and disheartening, particularly if it looks like your entire savings balance may be wiped out just to cover whatever expenses have cropped up. A fast cash loan can alleviate this pressure on your cash flow and your savings balance by providing you with the money you need and then allowing you to repay it slowly and comfortably over your nominated loan time.

Consolidating your debt can be a quick and easy way to avoid stiff interest costs and payments for small debts. A consolidation loan is a loan large enough to cover the total cost of your debts, including credit cards, store cards and more, so you can pay them out completely. You’re left then with just your personal loan with regular, variable repayments at a variable interest rate rather than multiple small debts at differing rates of interest. Consolidation loans can help borrowers tidy up their finances and find a new, more affordable way of reducing their debt.

You can use tools like our online repayment calculator to check the affordability of your intended loan amount before you submit an online application too. This calculator will give you an indicative interest rate which you can manually override, as well as input fields for the loan amount and loan term that you’re looking for.

Unlike other money lenders, we don’t charge our customers any early termination fees when they choose to close out their loan balance with us before the scheduled end of their loan term. You get to save on interest payments and reduce the total cost of your loan without getting stung with additional fees. This is just one of the ways we try to reward our credit customers.

If you are concerned about your lending history and your credit file then rest assured that every loan application we receive is carefully and fairly assessed based on a range of factors, not just your credit history and current file. We understand that sometimes life events can affect all kinds of things, your credit history included. Fortunately, recent changes to what’s available to read in your credit history have included the last 24 months of your transaction history. Your credit file now includes the details of payments made for outstanding debts and other measures you may have taken to repair your credit file. All of this is now taken into account when assessing your eligibility for any of our credit products.

To apply, you must be at least 18 years of age and currently a permanent resident within Australia. You must also be employed. We take our commitment to responsible lending very seriously, ensuring that we extend our credit facilities to only approved applicants that we believe can comfortably afford their repayments.

Ready to find out how much you could be approved for when you apply for low rate personal loans from MoneyMe? Applications take you just 5 minutes to complete and submit online. Customers who apply during our business hours typically receive a response within minutes. Apply online now to discover how much you could be approved for.

Our customers

low rate personal loans

Fast, fair and easy. Very happy customer. Happy to get another loan in the future from MONEYME.

Simple process, easy to follow application, quick response time and good support.

I was impressed with how easy and quick the application was. Very happy with their customer service, and the app is very convenient.


Review Stars Out of 2,701 reviews

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Transparent and
simple pricing

Interest rate

9.20 %
to 25.20 %

Comparison rate*

10.58 %
to 26.58 %

Establishment fee
(Direct applications)

$395 for loans between $5,000 and $15,000

$495 for loans between $15,001 and $50,000

Monthly fee


Loan terms

Minimum 3 years

Maximum 5 years

Early exit fees


Ready to get

Personal Loans are running hot!

55 people in the last 24 hours have applied

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Debt Consolidation is running hot!

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