Debt consolidation up to $70,000
Consolidate your debts into a bank-beating loan
You could get a better interest rate, lower monthly repayments and save on interest.
p.a.
p.a.
Takes minutes with no impact to credit score
Simple terms.
No hidden fees.Simple terms. No hidden fees.
With no impact to your credit score
Get ahead with debt consolidation
Save on interest and fees
Combine expensive debt into a low-rate personal loan
Lower your monthly repayments
Choose a loan term that works with your budget
Simplify your finances
Consolidate your debt into one easy-to-manage repayment
No early repayment fees
Want to pay off your debt consolidation loan faster? You can.
Low rates that
beat the banks
Get a better a deal with our bank-beating rates.
MONEYME
CommBank
ANZ
NAB
Westpac
Click here for important information on comparison rates. All rates are for variable rate loans, unless noted with an asterisk (*), which indicates a fixed rate loan. Comparison excludes short-term promotional rates. Last updated 02/06/2026.
Ready to get a quote?
Find out your rate and repayments in under 90 seconds
With no impact to your credit score
Get a debt consolidation quote in minutes
Check what your interest rate and repayments would be with an obligation-free debt consolidation quote. It takes just a few minutes and won't impact your credit score.
Check your rate and repayments
You can get a conditional loan offer in just minutes
without impacting your credit score!
Submit your application
Review your loan offer, accept it, and you'll get an
outcome typically within 60 minutes.
Same-day funding
Once approved, we'll transfer the money to your bank
account immediately, even on weekends.
With no impact to your credit score
Award-winning lender
Trusted by over 110,000 Aussies
MONEYME Reviews Average rating: 4.7, based on 4700 reviews
Will definitely be recommending MONEYME to friends and family!
Quick and efficient service, will definitely be recommending MONEYME to friends and family!
Quick, easy and hassle free!
Quick, easy and hassle free! I was pleasantly surprised how easy the process was. Also being able to make extra repayments and payout the loan early without penalty, is a big bonus. Recommended!
Easy to deal with.
Easy to deal with and open about the odds and ends of the deal on the purchase. I will continue using MONEYME for any future purchases for the simple reason of not having to deal with all the issues the big banks have with a purchase. Great work Eujin.
Super fast and easy application.
Excellent Customers service, super fast and easy application with the response within hrs.
Approval was fast and even the car dealership was blown away.
Approval was fast and even the car dealership was blown away by the speed and ease of dealing with MONEYME. I had my new car in no time! Highly recommend!
MONEYME is one of the best finance companies I've ever gone through.
MONEYME is one of the best finance companies I've ever gone through great people and what a fantastic service they provide. MONEYME definitely goes above and beyond to satisfy their customers, thank you so much I would highly recommend MONEYME to anyone Australia wide.
Great rate and helpful people making this purchase smooth and easy.
A fantastic experience of getting the right finance for my new vehicle. No fuss, no problems, a fast and easy solution with a great rate and helpful people making this purchase smooth and easy.
Very Happy!! MONEYME finance was so easy to work with.
They made the whole experience from start to finish stress free and simple for me to understand which was exactly what I needed. They were just so quick and efficient, the only waiting was with the car yard itself. I would use MONEYME again. I highly recommend them to anyone wanting quick approval at a great rate with fantastic service.
Overall great experience.
Super quick approval and great interest rate. Money was in the bank within minutes of me accepting the offer. Overall great experience.
Very easy, seamless process.
Every part of the way i had ongoing communication and I knew where I was at every stage. I was able to sign all documents online. The contract was easy to read and understand. The app is very easy to navigate with a easy to find phone number if i ever need assistance.
Quick and easy to apply.
Great interest compared to other loans. No hidden costs. Fast and efficient.
A fantastic experience for getting the right finance from my new vehicle.
No fuss, no problems a fast and easy solution with a great rate and helpful people making this purchase smooth and easy.
Easiest process.
MONEYME has been so easy to navigate the website and the app, always in contact every step of the application. They gave me a chance to get my family a new car. Great company, fair prices, 100%
Great for debt consolidation!
I have used MONEYME a few times as they are simple and efficient. Response time is super quick and the rates are competitive. I was on a crazy rate with a credit card company and used MONEYME to consolidate that debt and reduce my repayments.
Professional fast service.
We had a wonderful experience with MONEYME, fast service and very professional, we will definitely be using them again!
Will definitely be recommending MONEYME to friends and family!
Quick and efficient service, will definitely be recommending MONEYME to friends and family!
Quick, easy and hassle free!
Quick, easy and hassle free! I was pleasantly surprised how easy the process was. Also being able to make extra repayments and payout the loan early without penalty, is a big bonus. Recommended!
Easy to deal with.
Easy to deal with and open about the odds and ends of the deal on the purchase. I will continue using MONEYME for any future purchases for the simple reason of not having to deal with all the issues the big banks have with a purchase. Great work Eujin.
Super fast and easy application.
Excellent Customers service, super fast and easy application with the response within hrs.
Approval was fast and even the car dealership was blown away.
Approval was fast and even the car dealership was blown away by the speed and ease of dealing with MONEYME. I had my new car in no time! Highly recommend!
MONEYME is one of the best finance companies I've ever gone through.
MONEYME is one of the best finance companies I've ever gone through great people and what a fantastic service they provide. MONEYME definitely goes above and beyond to satisfy their customers, thank you so much I would highly recommend MONEYME to anyone Australia wide.
Great rate and helpful people making this purchase smooth and easy.
A fantastic experience of getting the right finance for my new vehicle. No fuss, no problems, a fast and easy solution with a great rate and helpful people making this purchase smooth and easy.
Very Happy!! MONEYME finance was so easy to work with.
They made the whole experience from start to finish stress free and simple for me to understand which was exactly what I needed. They were just so quick and efficient, the only waiting was with the car yard itself. I would use MONEYME again. I highly recommend them to anyone wanting quick approval at a great rate with fantastic service.
Overall great experience.
Super quick approval and great interest rate. Money was in the bank within minutes of me accepting the offer. Overall great experience.
Very easy, seamless process.
Every part of the way i had ongoing communication and I knew where I was at every stage. I was able to sign all documents online. The contract was easy to read and understand. The app is very easy to navigate with a easy to find phone number if i ever need assistance.
Quick and easy to apply.
Great interest compared to other loans. No hidden costs. Fast and efficient.
A fantastic experience for getting the right finance from my new vehicle.
No fuss, no problems a fast and easy solution with a great rate and helpful people making this purchase smooth and easy.
Easiest process.
MONEYME has been so easy to navigate the website and the app, always in contact every step of the application. They gave me a chance to get my family a new car. Great company, fair prices, 100%
Great for debt consolidation!
I have used MONEYME a few times as they are simple and efficient. Response time is super quick and the rates are competitive. I was on a crazy rate with a credit card company and used MONEYME to consolidate that debt and reduce my repayments.
Professional fast service.
We had a wonderful experience with MONEYME, fast service and very professional, we will definitely be using them again!
Will definitely be recommending MONEYME to friends and family!
Quick and efficient service, will definitely be recommending MONEYME to friends and family!
Quick, easy and hassle free!
Quick, easy and hassle free! I was pleasantly surprised how easy the process was. Also being able to make extra repayments and payout the loan early without penalty, is a big bonus. Recommended!
Easy to deal with.
Easy to deal with and open about the odds and ends of the deal on the purchase. I will continue using MONEYME for any future purchases for the simple reason of not having to deal with all the issues the big banks have with a purchase. Great work Eujin.
Super fast and easy application.
Excellent Customers service, super fast and easy application with the response within hrs.
Approval was fast and even the car dealership was blown away.
Approval was fast and even the car dealership was blown away by the speed and ease of dealing with MONEYME. I had my new car in no time! Highly recommend!
MONEYME is one of the best finance companies I've ever gone through.
MONEYME is one of the best finance companies I've ever gone through great people and what a fantastic service they provide. MONEYME definitely goes above and beyond to satisfy their customers, thank you so much I would highly recommend MONEYME to anyone Australia wide.
Great rate and helpful people making this purchase smooth and easy.
A fantastic experience of getting the right finance for my new vehicle. No fuss, no problems, a fast and easy solution with a great rate and helpful people making this purchase smooth and easy.
Very Happy!! MONEYME finance was so easy to work with.
They made the whole experience from start to finish stress free and simple for me to understand which was exactly what I needed. They were just so quick and efficient, the only waiting was with the car yard itself. I would use MONEYME again. I highly recommend them to anyone wanting quick approval at a great rate with fantastic service.
Overall great experience.
Super quick approval and great interest rate. Money was in the bank within minutes of me accepting the offer. Overall great experience.
Very easy, seamless process.
Every part of the way i had ongoing communication and I knew where I was at every stage. I was able to sign all documents online. The contract was easy to read and understand. The app is very easy to navigate with a easy to find phone number if i ever need assistance.
Quick and easy to apply.
Great interest compared to other loans. No hidden costs. Fast and efficient.
A fantastic experience for getting the right finance from my new vehicle.
No fuss, no problems a fast and easy solution with a great rate and helpful people making this purchase smooth and easy.
Easiest process.
MONEYME has been so easy to navigate the website and the app, always in contact every step of the application. They gave me a chance to get my family a new car. Great company, fair prices, 100%
Great for debt consolidation!
I have used MONEYME a few times as they are simple and efficient. Response time is super quick and the rates are competitive. I was on a crazy rate with a credit card company and used MONEYME to consolidate that debt and reduce my repayments.
Professional fast service.
We had a wonderful experience with MONEYME, fast service and very professional, we will definitely be using them again!
With no impact to your credit score
Easily managed with
your app
Manage your one repayment, view your balance
and even get access to our other products and
special offers.
*Loan terms range from 3 to 7 years. Annual Percentage Rates (APR) from 6.24% p.a. (comparison rate from 6.95%). The maximum APR is 25.85% p.a. (27.24% p.a. comparison rate). Representative example: a loan of $30,000 over 5 years with an interest rate of 9.44% p.a. (10.82% p.a. comparison rate) would require monthly repayments of $649.56, with total repayments of $38,973.48, including a $495 establishment fee and a $10 monthly fee. Rates displayed are for customers with an excellent credit history. For other borrowers, an establishment fee of $395 or $495 will apply, based on loan amount. A $10 monthly fee applies to all personal loans.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Terms and conditions
- Subject to approval. MONEYME’s unsecured personal loan interest rates range from 5.99% p.a. to 25.60% p.a. (comparison rate 6.70% p.a. to 26.99% p.a.). Rates are offered based on the individual borrower’s credit assessment. In order to be approved you must meet MONEYME’s credit criteria and responsible lending requirements. Fees, charges, terms and conditions apply.
- Unsecured variable interest rates range from 5.99% p.a. to 25.60% p.a. (comparison rates 6.70% p.a. to 26.99% p.a. for a $30,000 with a 60 month term). Available loan terms are 36, 48, 60 or 84 months. Maximum repayment period is 84 months. Rates are based on your individual credit assessment.
- Maximum APR: 25.60% p.a. (comparison rate 26.99% p.a. for a $30,000 loan with a 60 month term).
- Comparison rates: our unsecured comparison rate of 6.70% is based on a variable rate personal loan of $30,000 over 5 years, for customers with an excellent credit history. WARNING: Comparison rates only apply to the example given. Different amounts and terms may result in different comparison rates. Costs, fees, charges (including government charges), and cost savings are not included in the comparison rate but may influence the cost of the loan.
- An establishment fee of $395 applies to loans up to $15,000 and $495 to loans of $15,000 and over. Customers with an excellent credit history may be eligible for a $0 establishment fee. A $10 monthly fee applies to all personal loans. There are no early repayment fees.
Example loan. For customers with an excellent credit history, for an unsecured personal loan of $30,000 borrowed for 60 months with a variable interest rate of 5.99% p.a. (comparison rate 6.70% p.a.) the total amount you would need to repay would be $35,374 (made up of $30,000 in principal, $4,774 in interest, $600 in monthly fees and $0 in establishment fees).
MONEYME acknowledges Aboriginal and Torres Strait Islander peoples as the first people and Traditional Custodians of the land and waterways throughout Australia. We recognise their continued connection to culture, community and Country, and pay our respects to Elders past and present. Learn more about our commitment here.
Copyright 2026 l MoneyMe Financial Group Pty Ltd l ABN 40 163 691 236 l Australian credit licence number 442218 | Credit criteria, fees, charges, terms and conditions apply.