Kick your goals

Great rates,
fast approvals.

Personal loans

Low rates starting from 6.74% p.a. (comparison rate from 8.13% p.a.*) with money in your bank account in minutes. Learn more.

Check your rate and repayments
without impacting your credit score

Personal loans

Low rates starting from 6.74% p.a. (comparison rate from 8.13% p.a.*) with money in your bank account in minutes. Learn more.

Check your rate and repayments without impacting your credit score

A different kind
of lender

Easy application,
fast approval

We help you fast track your
goals with a
simpler process.

Finance that works
for you,
not against you

Flexible options. No early
repayment fees.

For people and the
planet

We care about our social and
environmental impact.

Everything you
need in one app

Apply in minutes and manage your account
wherever and whenever you need it.

Choose a lender
with purpose

Our philosophy? Doing good while
doing
business.

Explore our impact

What our customers say

Average rating: 4.6, based on 3400 reviews
Legal Seafood MoneyMe Financial Group Pty Ltd AUD 1300 090 949 media@moneyme.com.au xx
Level 7, 352 Hunter Street Sydney NSW AU 2000
4.6 review rating

Ready to
kick your goals?

Frequently asked questions

When you borrow money from family or a friend, there’s usually a promise that you’ll pay them back. A personal loan from an official lender with an Australian Credit Licence works in much the same way, only the loan amount is usually a bit more, and the promise to repay the loan comes in the form of a loan contract. There are sometimes fees and charges applied to your loan such as an establishment fee for taking out the loan, ongoing account fees, and late payment fees. Personal loans from responsible credit providers like MONEYME are typically straight forward and this information will be clearly stated on your loan contract.

You’re also checked during your approval process based on past loans, debts, or services you have taken out which generate something called a credit score.

Personal loans come in all shapes and sizes, and an unsecured personal loan can be used for almost anything. You might want to take advantage of a great offer on a new boat or need money for an urgent repair or to cover moving costs. Other common personal loans include education, medical loans, holiday loans and renovation loans.

A personal loan can also be used to consolidate existing debt. Falling behind on loan, credit card or buy-now-pay-later repayments can happen unexpectedly, leading to financial stress. An unsecured personal loan can be used to consolidate multiple debts into a single, more manageable repayment, and often reduce overall interest costs.

Life events happen every day and you don’t always have access to extra cash when you need it. Whether you need a same day loan to seize an opportunity or an emergency cash loan to cover an unexpected expense, you could have money in your account in as little as 60 minutes with MONEYME.

Personal loans offer a range of benefits for individuals seeking finance. One of the most significant advantages of personal loans is their flexibility in how you can use the funds. Whether you need to cover medical bills, finance a vacation, or invest in home improvements, a personal loan gives you the freedom to allocate the funds where they're needed most.

Compared to high-interest credit cards or payday loans, personal loans often come with more competitive interest rates. This can result in significant savings over the life of the loan, especially for borrowers with strong credit histories. By securing a lower interest rate with a personal loan, you can potentially reduce the total amount you repay and accelerate your path to financial freedom.

Personal loans are repaid through regular instalment payments over a set period, making it easier to budget and plan for future expenses. This predictable repayment structure allows you to forecast your financial commitments and ensure you stay on track to meet your repayment obligations.

There is a distinct difference between secured and unsecured personal loans. As the name suggests, secured loans are tied to collateral, which serves as security for the lender in case the borrower defaults on the loan. Mortgages and car loans are common examples of secured loans.
These loans may come with lower interest rates and higher borrowing limits due to the reduced risk for the lender.

Unsecured personal loans typically offer more flexibility. Since they don’t require collateral, an unsecured personal loan can be used for almost any loan purpose. This includes medical procedures, travel, unexpected expenses, big ticket items and more. You can also opt for an unsecured personal loan when purchasing a car.

In today's digital age, applying for a personal loan has never been easier. Online lenders like MONEYME offer streamlined application processes that can be completed from the comfort of your own home. With minimal paperwork and quick approval times, you can access the funds you need without the hassle of traditional bank loans.

MONEYME's online platform allows you to submit your application, receive approval, and have funds transferred directly to your bank account in as little as 60 minutes. With flexible terms, competitive interest rates, and a convenient application process, we empower you to take control of your finances and pursue your dreams with confidence.

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