About MONEYME
Get a personal loan quote in less than 90 seconds
Bank-beating rates and no surprises. Get a quote to see your rate and repayments before you apply.
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Why our customers love us
Low rates that
beat the banks
MONEYME
from 6.70% p.a.
ANZ
from 8.18% p.a.
NAB
from 8.99% p.a.
Westpac
from 9.18% p.a.*
CommBank
from 9.64% p.a.
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 31/03/25.
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A personal loan built around you
Great low rates
Low rates that beat the banks. Put more money back in your pocket.
Your loan, your timeline
Choose a loan term that fits your budget. No early repayment fees.
Get a quote in minutes
See your interest rate and repayments without impacting your credit score.
Same-day loans
Approvals and funding in as little as 60 minutes, even on weekends.
Award-winning lender
Low rates, no surprising fees
Variable interest rate
5.99
%p.a.
up to 24.49% p.a.
Comparison rate*
6.70
%p.a.
up to 25.87% p.a.
No credit score impact | Am I eligible?
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. 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.
Establishment fee
$0 - $395
Loans up to $15,000
$0 - $495
Loans above $15,001
Loan term
3 to 7 years
Our fees
$10
Monthly fee
$0
Early exit fees
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. 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.
Get a quote for a personal loan in minutes
You can check your personal loan interest rate and repayments online with an obligation-free quote. It only takes a few minutes and there's no impact on your credit score.
1
Check your rate and repayments
You can get a conditional loan offer in just minutes
without impacting your credit score!
2
Submit your application
Review your loan offer, accept it, and you'll get an
outcome typically within 60 minutes.
3
Same-day funding
Once approved, we'll transfer the money to your bank
account immediately, even on weekends.
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A different kind of lender
Quick quotes,
fast approvals
We cut out unnecessary
paperwork and delays with
lending that's fast, simple,
and built around you.
Transparent and
flexible
No lock in contracts, hidden
fees or surprises - just
flexible options that keep
you in control.
Real support,
real fast
Speak to a real person if you
have questions, we usually
answer calls in seconds.
For people and the
planet
We care about our social and
environmental impact, and
we're proudly B Corp
Certified.
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Free Loan Repayments Calculator
MoneyMe provides a free loan repayment calculator to help you plan your finances when taking out a loan. By knowing what your loan repayment will be on a regular basis, it will be easier for you to stay on top of your financial situation and to have peace of mind.
How To Use The Repayments Calculator
The repayment calculator allows you to select the amount you want to borrow, ranging between $5,000 and $50,000. You can also choose the preferred repayment term of your loan, which can range between 6 months and 3 years. Certain borrowing amounts have pre-set periods of loan repayment. For example, a $50,000 loan has a repayment period ranging between 1 to 3 years, while smaller loan sizes can have smaller repayment periods. It is also possible to select the repayment frequency to be either weekly or monthly.
MoneyMe Credit Rating
Your MoneyMe credit rating can affect your loan repayment interest rate. If you have a great history of borrowing with MoneyMe, you will have an “A1+ – Impeccable” rating, and will receive the best interest rates. By selecting the different ratings in the repayment calculator, you can see the different cost of your loan under the different credit ratings.
Why Choose MoneyMe?
MoneyMe uses the latest in financial technology to quickly and securely process your loan application. The entire process occurs online, without the need for printed documents, which means a far more convenient process for you. This can be invaluable for getting you out of a jam in crucial times because, if you are approved, the money can also be within your account within an hour*.
What To Do After Using the Loan Repayment Calculator
Use the loan repayment calculator to select your desired loan amount, loan repayment period, and repayment frequency to see what your loan repayment plan looks like. If you are confident that your financial situation can comfortably support the regular loan repayments, click on the “Apply Now” button to start the application process. It’s as easy as that!
- Note the 1 hour transfer time depends on how fast your financial institution can receive the funds. For example, Commonwealth Bank customers that are approved quickly on a weekday can receive the funds within an hour.
Trusted by over 110,000 Aussies
Efficient service.
I have had no problems at all everything was done to my satisfaction at a fast and prompt manner.
DianeJan 11, 2023
Item 1 of 6
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Purpose-driven
and responsible
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
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. 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 2025 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.