Personal loans up to $70,000
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With no impact to your credit score
With no impact to your credit score
There's no paperwork required and no impact to your credit score. Get all the important information you need before you apply.
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If you proceed with your quote, we offer funding in as little as 60 minutes
With no impact to your credit score
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MONEYME
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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 04/08/2026.
Find out your rate and repayments in under 90 seconds
With no impact to your credit score
When choosing a personal loan you have two options – you can either apply for the loan directly through a bank or another lender, or use a personal loan broker. A personal loan broker doesn’t actually lend you the money, but they do a comparison of the different alternatives from a variety of lenders and come back to you with some finance options that best suit your circumstances. Once your loan application has been accepted and you have the money, you will then deal directly with the lender.
There are several perceived benefits of using a personal loan broker, but some of these benefits are not as relevant these days as they might have been in the past. Traditionally, a broker saves you a lot of time and effort by negotiating with different lenders on your behalf and doing a lot of the running around between the banks. Personal loan brokers can often get you a good deal as they know the latest and greatest offers out there, and they may have good relationships with some of the lenders. But with the ease of the internet, it is now much easier to compare the latest deals and offerings from the comfort of your own home. With so much business now done online, searching online and exploring different options yourself is a much easier process and a lot less time consuming than it has been in the past.
A personal loan broker will need to have access to your financial information so they can make an informed assessment about the personal loan that is best for you. Their research can take time, so if you’re in a hurry you may be better off to apply directly with a bank or lender who can get you express loans.
Some online lenders offer same day loans so you can get access to the money on the same day you apply for the loan! Once you decide on the personal loan you want to go with, a personal loan broker can help you with the applications process too, which at first glance looks like a big-time saver. But in reality, you’ll still need to provide them with all the information and documentation they need, so it may not save you as much time as you think.
Other times when it may be useful to use a personal loan broker is when you don't have an excellent credit rating and are finding it hard to get a loan approval. With some of the online lenders though, such as MoneyMe, even if you don't have a perfect credit history you still may apply for personal loans. This is because of the changes in the information a credit report now provides to lenders. These reports now also capture your most recent history to help create a bigger picture of your financial circumstances. This allows the potential lender to see if you have plans in place to manage your listed debt and whether you are making any progress. They can then make a more informed decision about whether to give you a loan.
Although there can be benefits of using a personal loan broker, there are also some disadvantages. Firstly, some lenders will only go direct and are not prepared to work with brokers so by using a broker you will limit your personal loan options. Your personal loan broker will most likely receive a commission from whatever lender you decide to go with, but some brokers may also charge you a fee, so it’s best to ask about that upfront. Some brokers also have minimum loan amounts they are prepared to deal with, so for very small quick cash loans, you may need to deal directly with the lender. With so many personal loan brokers out there, if you decide to use one, you’ll need to make sure you find an experienced personal loan broker you can trust.
If you are looking for an alternative to using a personal loan broker, but still want to ensure you get a great deal, MoneyMe provides quick loans at low interest rates tailored to your credit profile and history. And, depending on who you bank with, you can have up to $70,000 in your account in less than an hour. The online loans application process is simple and straightforward, and is done entirely online. Gone are the days of needing to provide extensive paperwork, fill out endless forms or partake in lengthy phone calls. At MoneyMe we use a trusted and secure portal which allows us to access 90 days of your bank statements online in a matter of seconds. But rest assured, we have read-only access to this information with no ability to change anything or access your password. It just means less work for you. Security is a priority for MoneyMe and they use the same online security measures as the banks, and other reputable payment companies. You’ll be surprised how quick and easy the loan application process is!
Not only is the application process fast, but thanks to the latest financial technology that is used by MoneyMe, you’ll know the outcome of your loan application quickly, too. Our charges are completely upfront, so you won’t be hit with any unexpected fees or charges that you didn’t know about. And if you need any help along the way, we have a dedicated support team who are able to assist you 7 days a week.
Whether you need instant loans for unexpected bills or car repairs, or a larger loan for an upcoming holiday, house renovations or a new car, with MoneyMe you can borrow small loans from as little as $5,000 and larger loans up to $70,000. With the uncertainty of life, you never know what is around the corner so it’s reassuring to know you can borrow money quickly when you need to. For an unsecured personal loan from $5,000 to $70,000, the repayment period is between 12 months and 60 months. With simple fortnightly or monthly repayments aligned with your pay cycle and no early exit fees, if you are over 18 years old and working in Australia, it’s a great option if you’re looking for a personal loan. Once you have your loan approved and access to your money, you’ll get your own personal loan dashboard where you’ll be able to monitor and manage your personal loan details, so you’ll always be able to keep on top of your loan.
Although using a personal loan broker has its benefits, if you need easy loans that provide access to your money quickly, MoneyMe, one of Australia’s favourite online lenders, is a great alternative. Sign up for a MoneyMe personal loan today, and you’ll be able to start using the money even before you know it!
Award-winning lender
Application process was very simple and then funds transferred almost instantly. Emails communicated instructions very clearly. Constant communication all the way along and app and website worked really well.
I think moneyme is very easy to work with, very helpful and went out of their way to make my loan go thru faster as I needed it to happen quickly, and a very fair rate, definitely a 5 star rating, Thank you MONEYME
Had funds within 2hrs of application. Fantastic experience!
The entire process was incredibly fast, easy and stress-free from start to finish. I signed the contract and literally within seconds the funds were in my account. MONEYME exceeded my expectations. Without a doubt one of the best lending experiences I've ever had. I'll definitely be back and would highly recommend them to anyone looking for quick, hassle-free finance.
I cannot believe how easy the process was. I had the money in my account in under 3 hours from the time I applied! I had argued with my bank for a week before I found MONEYME I would recommend this company to everyone.
The entire process was smooth, quick, and stress-free. The team was professional, friendly, and explained everything clearly, making it easy to understand my finance options. They kept me updated throughout the process and worked hard to get my loan approved as quickly as possible. I would definitely recommend them to anyone looking for reliable and efficient car finance services. Thank you for making my car purchase so easy!
In assisting me with finance and recently refinancing my car loan to be able to upgrade my car. I would recommend them when looking for a loan company either for personal or car finance.
If you're looking for a finance company that's efficient, transparent, and easy to deal with, I'd definitely recommend MONEYME. Really happy with the service and overall experience!
Their rates were the best I could find, and they suited my needs perfectly for a business car loan. The process was straightforward, communication was excellent, and everything was handled efficiently. I'm very satisfied with the service and would happily recommend MONEYME to anyone looking for a competitive and reliable lender.
The process was super easy to follow online and even better they were super quick and reliable with moving the process along. It took me just 1 day to complete and have my loan approved!
Loan application that was approved quickly and competitive interest rate that has no penalties for extra or early payments. Also with the use of an app for easy repayments and to keep track of the loan.
Very informative, and very helpful and very fast with approval, i think it took about 2 days in total from applying to funds in my account and paying for the car, the loan term was also better than i expected and the repayments less than i thought, would highly recommend
I've been with them for years and they are consistently great to speak with and the service is fantastic too. Never had a problem. Highly recommend
Hey everyone just sharing my experience through money me finances which I applied for loan it was smooth reliable and trusted with good interest rates and also easy to get loan in couple of minutes highly appreciated definitely would recommend anyone going for loan.
Well I've been with MONEYME for the last 5yrs so helpful and easy to deal with hence why ive not so long ago been approved for another loan from you guys so thankyou for helping me out as im enjoying my new ride
Application process was very simple and then funds transferred almost instantly. Emails communicated instructions very clearly. Constant communication all the way along and app and website worked really well.
I think moneyme is very easy to work with, very helpful and went out of their way to make my loan go thru faster as I needed it to happen quickly, and a very fair rate, definitely a 5 star rating, Thank you MONEYME
Had funds within 2hrs of application. Fantastic experience!
The entire process was incredibly fast, easy and stress-free from start to finish. I signed the contract and literally within seconds the funds were in my account. MONEYME exceeded my expectations. Without a doubt one of the best lending experiences I've ever had. I'll definitely be back and would highly recommend them to anyone looking for quick, hassle-free finance.
I cannot believe how easy the process was. I had the money in my account in under 3 hours from the time I applied! I had argued with my bank for a week before I found MONEYME I would recommend this company to everyone.
The entire process was smooth, quick, and stress-free. The team was professional, friendly, and explained everything clearly, making it easy to understand my finance options. They kept me updated throughout the process and worked hard to get my loan approved as quickly as possible. I would definitely recommend them to anyone looking for reliable and efficient car finance services. Thank you for making my car purchase so easy!
In assisting me with finance and recently refinancing my car loan to be able to upgrade my car. I would recommend them when looking for a loan company either for personal or car finance.
If you're looking for a finance company that's efficient, transparent, and easy to deal with, I'd definitely recommend MONEYME. Really happy with the service and overall experience!
Their rates were the best I could find, and they suited my needs perfectly for a business car loan. The process was straightforward, communication was excellent, and everything was handled efficiently. I'm very satisfied with the service and would happily recommend MONEYME to anyone looking for a competitive and reliable lender.
The process was super easy to follow online and even better they were super quick and reliable with moving the process along. It took me just 1 day to complete and have my loan approved!
Loan application that was approved quickly and competitive interest rate that has no penalties for extra or early payments. Also with the use of an app for easy repayments and to keep track of the loan.
Very informative, and very helpful and very fast with approval, i think it took about 2 days in total from applying to funds in my account and paying for the car, the loan term was also better than i expected and the repayments less than i thought, would highly recommend
I've been with them for years and they are consistently great to speak with and the service is fantastic too. Never had a problem. Highly recommend
Hey everyone just sharing my experience through money me finances which I applied for loan it was smooth reliable and trusted with good interest rates and also easy to get loan in couple of minutes highly appreciated definitely would recommend anyone going for loan.
Well I've been with MONEYME for the last 5yrs so helpful and easy to deal with hence why ive not so long ago been approved for another loan from you guys so thankyou for helping me out as im enjoying my new ride
Process was easy and quick- very convenient. Rates were also much better than what the banks offer.
Excellent communication culminating in a very quick transaction. Would use them again without hesitation.
I found MONEYME to be straightforward. The whole process from applying to approval was quick and done with ease. The app is easy to understand and effortless. Well done to MONEYME.
Great financial group. I have had 2 personal loans and they could not do enough to help me. If I need to, I would do it all again with MONEYME. Thank you
I have had numerous loans with MONEYME; the process is quick, the service is great, and that's why I keep coming back. Highly recommend.
We've used MONEYME for 5 years and funded various vehicles with them. Their honesty, expertise and speed is the best in the market. With a recent purchase they approved and settled all within hours. Their process and rates are amazing. Thanks Cam and the MONEYME team.
My experience with MONEYME was very simple and convenient, and I was impressed with how fast they approved my loan request. The interest rates were reasonable which I appreciate and the repayments for me are more than manageable.
I have never struck a lender so easy to get along with , then coupled by a top broker sam smith, if you need a lender i would give these guys an 11 out of 10 , fantastic
Our bank who we already had a mortgage with was being difficult despite clearly being able to see that we put $1000 extra per fortnight into our mortgage, moneyme had our application approved and money in our account within 24hours.
I am only at the beginning of my finance and the process has been very straight forward. I was recommended MoneyMe because I plan to pay out my finance early and like the fact I can do that without getting whacked with extra fees and interest!
What a pleasure working with MONEYME. Their service and expertise were beyond expectations. Thank you for making this process so easy and simple.
The application process was straightforward, quick and simple, the interest rate was very competitive and the funds were available immediately after approval.
From start to finish the whole experience was flawless and they definitely went above and beyond to get me the product I really wanted well done to Peter and luke great job guys I'll be sure to return when time is right thank you a million times
Straight forward application, information requests easily accessed from my phone, quick response times and funds where in my account with 24hours. Thanks MONEYME ⭐⭐⭐⭐⭐rating
Process was easy and quick- very convenient. Rates were also much better than what the banks offer.
Excellent communication culminating in a very quick transaction. Would use them again without hesitation.
I found MONEYME to be straightforward. The whole process from applying to approval was quick and done with ease. The app is easy to understand and effortless. Well done to MONEYME.
Great financial group. I have had 2 personal loans and they could not do enough to help me. If I need to, I would do it all again with MONEYME. Thank you
I have had numerous loans with MONEYME; the process is quick, the service is great, and that's why I keep coming back. Highly recommend.
We've used MONEYME for 5 years and funded various vehicles with them. Their honesty, expertise and speed is the best in the market. With a recent purchase they approved and settled all within hours. Their process and rates are amazing. Thanks Cam and the MONEYME team.
My experience with MONEYME was very simple and convenient, and I was impressed with how fast they approved my loan request. The interest rates were reasonable which I appreciate and the repayments for me are more than manageable.
I have never struck a lender so easy to get along with , then coupled by a top broker sam smith, if you need a lender i would give these guys an 11 out of 10 , fantastic
Our bank who we already had a mortgage with was being difficult despite clearly being able to see that we put $1000 extra per fortnight into our mortgage, moneyme had our application approved and money in our account within 24hours.
I am only at the beginning of my finance and the process has been very straight forward. I was recommended MoneyMe because I plan to pay out my finance early and like the fact I can do that without getting whacked with extra fees and interest!
What a pleasure working with MONEYME. Their service and expertise were beyond expectations. Thank you for making this process so easy and simple.
The application process was straightforward, quick and simple, the interest rate was very competitive and the funds were available immediately after approval.
From start to finish the whole experience was flawless and they definitely went above and beyond to get me the product I really wanted well done to Peter and luke great job guys I'll be sure to return when time is right thank you a million times
Straight forward application, information requests easily accessed from my phone, quick response times and funds where in my account with 24hours. Thanks MONEYME ⭐⭐⭐⭐⭐rating
With no impact to your credit score
At MONEYME, we're not just here to provide low rate loans - we're here to make a difference. We believe in providing smart, responsible lending that keeps you financially on track, whilst doing good for the planet.
As a Certified B CorporationTM we're big on sustainability. We hold ourselves accountable to the high standards of the B Corp movement, supporting renewable energy projects, doing our part for the community, and striving towards a greener future.
Explore our impact
We sponsor a child on behalf of every Australian employee. All of these children live in the same community in Uganda, called Busakira.
*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 26.10% p.a. (27.49% 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.
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.
Our business hours
Sydney/Melbourne time
Customers
Monday - Friday
8AM-7PM
Saturday
9AM-6PM
Sunday
Closed
Partners
Monday - Friday
8AM-5PM
Saturday & Sunday
9AM-3PM
Customer support
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.
