About MONEYME
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Personal loans up to $70,000
Bank-beating rates, speed & service
Check your interest rate, repayments and maximum loan amount in 90 seconds.
Variable rate from
5.99
%
p.a.
p.a.
Comparison rate from*
6.70
%
p.a.
p.a.
With no impact to your credit score
Simple terms.
No hidden fees.Simple terms. No hidden fees.
$0
Early repayment fee
Want to pay off early and save on interest? You can with us.
$10
Monthly fee
Simple, transparent pricing. Never any hidden extras.
$395
Establishment fee
Spread across repayments. $495 for loans over $15,000.
3-7 years
Loan durations
Choose a repayment term that suits your lifestyle.
$70,000
Max loan amount
Choose your loan amount from $5,000 to $70,000.
$0
Early repayment fee
Want to pay off early and save on interest? You can with us.
$10
Monthly fee
Simple, transparent pricing. Never any hidden extras.
$395
Establishment fee
Spread across repayments. $495 for loans over $15,000.
3-7 years
Loan durations
Choose a repayment term that suits your lifestyle.
$70,000
Max loan amount
Choose your loan amount from $5,000 to $70,000.
With no impact to your credit score
Start with an obligation-free quote
There's no paperwork required and no impact to your credit score. Get all the important information you need before you apply.
Personalised rate
Check your rate and repayments before you apply
Borrowing power
Calculate the maximum amount you can borrow
Eligibility check
Confirm you are eligible before you apply
Same day loans
If you proceed with your quote, we offer funding in as little as 60 minutes
With no impact to your credit score
Low rates that
beat the banks
Get a better a deal with our bank-beating rates.
MONEYME
from 6.70% p.a.
CommBank
from 8.40% p.a.
ANZ
from 8.40% p.a.
NAB
from 8.40% p.a.
Westpac
from 8.40% 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 16/10/2025.
Ready to get a quote?
Find out your rate and repayments in under 90 seconds
With no impact to your credit score
Small loans from $5,000 to larger loans up to $70,000
What is a small loan?
A small loan is a simple and flexible way to borrow money for planned expenses, such as covering medical or education costs, funding a small home upgrade or something else. You'll receive the funds upfront and repay the loan in regular instalments over a set term. At MONEYME, our small loans are unsecured personal loans, meaning you don’t need to use your car, home or other assets as security. You can get a personalised quote in minutes to see your rate, repayments and borrowing power before you apply (with no impact to your credit score).
What can I use a small loan for?
Our small loans are designed for flexibility and can be used for a wide range of needs and life goals.
Popular uses include:
- Funding minor home improvements or renovations
- Paying for medical or dental procedures
- Covering education or training costs
- Paying for weddings or special occasions
- Managing relocation or travel expenses
- Consolidating debt into one easy repayment
- Purchasing household items, furniture or appliances
- and more
Whether it’s for a one-off project or an upcoming planned expense, a small loan can help you achieve your goals without the slow and outdated processes of traditional banks.
Benefits of a small loan with MONEYME
Thousands of Australians are choosing MONEYME for their small loans. Here’s why:
- Get a quote in minutes – See your personalised rate and estimated repayments before you apply. There’s no impact to your credit score, and you’ll know exactly what you can borrow upfront.
- Fast online application and same-day funding – Apply online or in the MONEYME app in minutes, with approvals often the same day. Once approved, funds are transferred straight to your bank account.
- Bank-beating rates – Our small loans are tailored to your credit profile, offering competitive rates that often beat the big banks.
- No collateral required – MONEYME small loans are unsecured, so you don’t need to provide assets like your home or car as security.
- Flexible amounts and terms – Borrow from $5,000 to $70,000 and choose a loan term between 3 and 7 years to suit your budget and goals.
- No early repayment fees – You can repay your loan early or make extra repayments anytime without penalty.
- Manage everything easily – Track your loan, view your repayment schedule and make changes anytime in the MONEYME app.
Why choose MONEYME for small loans?
Our small loans combine bank-beating rates, fast approvals and exceptional service through a seamless digital experience. With no hidden fees, no paperwork and full transparency from start to finish, MONEYME small loans give you a better way to borrow.
Trusted by over 110,000 Aussies
Wonderful experience and efficient service
Quick turnaround in terms of the loan application outcome. Had great experience with MoneyMe as this is my second time with the company
ZakJul 1, 2024
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With no impact to your credit score
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.