Personal loans up to $70,000
Check your interest rate, repayments and maximum loan amount in 90 seconds.
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.
Check your rate and repayments before you apply
Calculate the maximum amount you can borrow
Confirm you are eligible before you apply
If you proceed with your quote, we offer funding in as little as 60 minutes
With no impact to your credit score
Get a better 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 04/08/2026.
Find out your rate and repayments in under 90 seconds
With no impact to your credit score
Looking to find out more about your personal loan eligibility? Whether it is for a new car, to pay for a wedding or you’re renovating your home, once you’ve decided you’d like to take out a personal loan, you’ll want to make sure you give yourself the best chance of getting your loan approved. Although the requirements are not exactly the same across different banks and lenders, certain criteria are typically required to get loan approval.
In most cases, to get a personal loan in Australia you will need to be an Australian citizen or a permanent resident and over the age of 18. Some of the other common criteria that credit providers will consider before lending you money include your income and current employment status, your assets, credit history, and any outstanding debts, along with your regular expenses. Although most lenders will have a minimum income requirement, some credit providers now provide a low income personal loan for borrowers with lower minimum income or in some cases even no income. Due to the increased risk, the interest rates tend to be higher on these types of loans.
Lenders may also have different requirements if you are taking out a personal loan for self employed, as in these circumstances it may be more difficult to provide proof of income. Personal loan eligibility requirements will also differ between whether you are taking out a secured or unsecured loan. For example, if you are using an asset such as a car for security, this asset may also need to meet certain requirements.
In the past, most loans required a lot of paperwork, but today there are many low doc personal loans available, and advances in technology have also reduced the number of documents you need to supply when applying for a loan. For example, with your consent, MONEYME accesses a view-only copy of your bank statements as part of the application review process. This helps us verify your income and saves you the time and hassle of submitting your bank statements manually. If you prefer not to use our secure online checking system, you are welcome to email your bank statements to us, but the loan application process will obviously take a bit longer.
It is much harder to get a personal loan without a good credit history, although low credit score personal loans are not impossible to obtain depending on your specific circumstances and the personal loan eligibility requirements of the lender you are borrowing from. If you are applying for a personal loan with MONEYME, we don’t automatically decline loan applications if you have a mark on your credit file, although we do carry out a credit check and look at your individual circumstances. As we are a responsible lender, we will only approve loans online if we think you will be able to comfortably meet the repayments. There will be occasions where we will decline loans due to the applicant not having a stellar credit history, being in a debt agreement, or being bankrupt. You can always apply again later when you are in a better financial position. Or you could start off applying for small loans such as a 5,000 personal loan and then apply to borrow more money later when your credit score has improved.
If you are looking to take out a personal loan there are several things you can do to improve your personal loan eligibility. If your expenses are high, you can see if there are any areas where you can cut back spending or reduce your bills, for example taking out a cheaper mobile phone plan, and make sure you have no risky spending habits like gambling. You will also have more chance of securing a loan if you have been in your job for at least 6 months and are out of your probation period. In some cases, it may be helpful to reduce your credit card limit if you are not using it all, as your credit limits are perceived as potential debts.
As the personal loan eligibility will differ between different lenders, it’s worth doing a personal loan comparison in Australia so you can find the best loan for you. MONEYME’s personal loan eligibility lending criteria considers your income, expected living costs, and your MONEYME loan rating, and you need to be at least 18 years of age and working in Australia. Our free online loan repayment calculator can be a useful tool to determine whether you will be eligible for a personal loan and how much you can afford to borrow. It will also give you an idea of your interest rate and any other fees and charges associated with your loan.
If you think you meet our personal loan eligibility requirements, then you are ready to submit your loan application. The process is entirely online, and in most cases can be completed in a matter of minutes. And, with our smart technology, it won’t take long for you to find out if your same day loans have been successful. Once your loan is approved, and depending on who you have your bank account with, you could have your money in as little as an hour. It will take a bit longer if you apply outside business hours.
MONEYME offers low rate unsecured personal loans up to $70,000. If you’ve got any questions about MONEYME’s personal loan eligibility requirements, our support team is available either over the phone, via email, or online 7 days a week. Our easy loans make the loan application process quick and straightforward! Contact us today and see how we can help you.
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.
