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Need a Loan ASAP

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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.

Need a Loan ASAP

Need a loan ASAP? Whether it’s for emergency car repairs, urgent house repairs or unexpected bills, there are plenty of occasions where you might need a loan ASAP. In cases like these, you don’t want to spend days gathering paperwork, spend hours lining up in bank queues or wait anxiously for days or weeks to know if your loan has been approved. When you need emergency loans ASAP, you don’t have time to waste. That’s where MoneyMe can help.

We offer low rate personal loans ranging from $5,000 to $50,000 with quick same-day assessment. And once your loan has been approved, the funds will be transferred immediately. In many cases, depending on who you bank with, whether you apply during business hours, and how complex your financial situation is, you can have the funds in your account on the same day you apply. So if you need a loan ASAP, MoneyMe has a quick and easy loan application process and same-day approval.  

How do I get a loan ASAP?

If you need a loan ASAP, then look no further. With a straightforward and quick online application process, MoneyMe offers personal loans from $5,000 up to $50,000. Forget lengthy forms and extensive paperwork, your online application should take just minutes to complete. We use advanced financial technology so you can give us read-only access to the last 90 days of your bank statements online in just seconds, saving you a lot of time. Once you’ve submitted your application with our fast same-day approval, if your loan is approved, you’ll receive your offer before you know it.

The cost of the loan will vary depending on factors such as the loan amount, the loan term and your MoneyMe loan rating, but there are no application fees so your offer is obligation-free. We are upfront about all our fees and charges, so there’ll be no unexpected costs along the way. Once you’ve accepted the loan (you can sign the contract digitally), we’ll transfer the funds to your bank account. Depending on who you bank with, the funds could be in your account on the same day (sometimes within minutes). And being all done online, at MoneyMe you can apply for last minute loans anytime, anywhere.

Is there an eligibility criteria for a loan?

Yes. Although there is certain criteria that is typical across all loans, different loan companies each have their own eligibility criteria that borrowers need to meet in order to take out cash loans with them. Eligibility criteria can also differ depending on how much money you want to borrow and for how long. To find out which loans you are eligible to apply for, you’ll need to compare the loan criteria of different lenders.

To be eligible for fast loans at MoneyMe, you need to be at least 18 years of age, currently working in Australia and an Australian citizen or resident. As you can imagine, it is harder to secure a personal loan if you don’t have a good credit history, although it is not always impossible. At MoneyMe, we don’t instantly decline a loan application if you have a mark on your credit file, but we do carry out a credit check and look at your individual circumstances. Being a responsible lender, we don’t want to lend you more money than we think you can manage to repay. However, when the applicant is bankrupt, has a poor credit history or is in a debt agreement, we will decline the loan application. If this happens to you, you are welcome to apply again later if your financial situation improves.

How are the interest rates calculated?

Each lender calculates interest rates differently depending on the applicant and the loan terms so it is worth comparing the rates between lenders to find where you can get the best deal. Rather than charging one standard rate for all borrowers, some money lenders will have a minimum and maximum interest rate for each of their loan products and your individual rate will be calculated based on your specific financial circumstances.

Aside from interest rates, there are also other fees and charges associated with each loan so it’s important to take these into consideration when working out the overall cost of your loan. Responsible money lenders won’t want to lend you more money than they think you will be able to afford to pay back which is why your credit history is one of the main factors that will determine what your interest rate will be. As a general rule, the better your credit score is, the lower your interest rate.

At MoneyMe, our low rates will be tailored for each individual based on their credit profile and credit history. If you compare our interest rates with the big 4 banks, you’ll discover how competitive our rates are. With our variable rates and clear fees and charges, you’ll know before you accept your loan offer exactly what your repayments will be each payment period over the term of your loan. To make things easier for you, we align your monthly or fortnightly repayments to your pay cycle.

MoneyMe likes to reward borrowers for making their repayments on time so we have an in-house credit rating system that we apply to our customers. If you build up a good credit history with MoneyMe, you may be able to borrow a larger amount of money at a lower interest rate next time you apply for a MoneyMe loan. 

If you need a loan ASAP, another alternative to a MoneyMe personal loan is our Freestyle virtual Mastercard® which provides you with a line of credit up to $20,000, and you can use your card instantly once it has been approved. Working like a credit card, the Freestyle virtual Mastercard® allows you to make purchases in store with Tap n Pay, shop online or transfer money to your bank account. Aside from transferring money to your own bank account, a Freestyle account allows you to pay anyone.

Similar to MoneyMe online loans, it only takes minutes to apply, and there is a fast approval process so you won’t have to wait long for a decision. With up to 55 days interest-free, it’s a very convenient way to make purchases. If you have a business, MoneyMe+ is our business payment solution that allows your customers to buy now and pay later. Get in touch with us to find out more about how MoneyMe’s merchant payment solution and learn how our interest free payment plans can benefit you and your customers.

If you need a loan ASAP, being able to apply for express loans entirely online can save you a lot of time. Our customer service team is ready to assist you if you have any questions. Our operating hours are Monday to Friday 8am to 9pm (AEST) and Saturday and Sunday 9am to 9pm (AEST). You can contact us at 1300 329 037 or you can get in touch via live chat or send us a message via our website. We’d love to help you get a fast loan that is right for you. Apply online today.

Our customers

Need a Loan ASAP

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

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