Why choose
MoneyMe?

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Completely online

No fuss, no paperwork.
Get up to $50,000
in minutes

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Quick decision

Complete our 3 minute application process to
get an outcome fast

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Competitive rates

Fairer rates tailored
to your credit profile
and history

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Fixed repayments

Self-manage your
repayments from within
your MoneyMe account

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What is a personal loan?

A personal loan is money borrowed over 1 to 3 years, and can be repaid in small instalments. A personal loan can be used to buy a car, travel overseas, or consolidate debt. MoneyMe offers online personal loans up to $50,000. The repayment terms are flexible and there are no early repayment fees.

How to get a personal loan

You can get a personal loan, if you are employed and 18 years or older, by completing a simple online application with MoneyMe. It’s that easy. Enter the amount you wish to borrow and loan period, and provide your personal details. Once your loan is approved, cash will be in your bank account on the same day, and within minutes in some cases.

How to apply for a personal loan

Applying for a personal loan with MoneyMe is quick and simple.

  1. Let us know how much money you’d like to borrow, and your ideal repayment period.
  2. Complete your personal information, bank account details, and valid email address.
  3. In a few minutes you will receive a decision. Once approved, you could receive cash within minutes.

Personal loans approved fast!

There are times in life when a little extra money would come in handy, sooner rather than later. MoneyMe loans are the safe, hassle-free way to get the cash you need.

MoneyMe offers Australians fast, reliable personal loans. We are responsible finance providers, specialising in personal lending of amounts up to $50,000. There are no hidden fees, long wait times or other tricky complications.

Personal loans in 1 hour

Once you’ve applied for a loan, we’ll get back to you quickly. Upon approval, funds can be in your bank account in an hour or less - you could even have your cash in seconds! This depends on your bank of course, and if you apply outside of business hours it will generally take a bit longer.

MoneyMe loans range from $2,100- $50,000 and the cost of borrowing will vary depending on your MoneyMe loan rating, loan amount and term. Go to the Cost page to find out what your cost of borrowing may be.

Repayments are aligned with your pay cycle. If you're late paying us back, there may be additional fees, but we'll let you know about these upfront. If you're having trouble repaying, get in touch with us ASAP and we may be able to help. You can easily contact us via phone, email, live chat, Facebook or Twitter.

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Borrow money online,
anytime, anywhere

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Outcome within
minutes, not days

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Customer
satisfaction rate

Secure and responsible personal lending

When you take out a small personal loan with MoneyMe, you can rest assured that your security is our priority. MoneyMe uses the same online security measures as banks and other reputable payment companies.

With secure and fast Proviso technology, we can access 90 days of your bank statements online in a matter of seconds (the information is read-only and no one can touch your account). So, there’s no messing around with sending us paperwork. Just supply your details and that’s all we need to get started with your personal loan application.

To be eligible to apply you must be working in Australia and 18 years or older. If you pay back your MoneyMe loans on time, you can build a good trust rating with us and may be able to borrow larger amounts in the future. Apply for a MoneyMe personal loan now.

Things to know
about our costs

We believe in transparency and fair costs, with no hidden fees

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Tailored rates

We look at more than just your credit score to give you a fairer, cheaper credit offer

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Upfront and honest

We're transparent about our costs, with no hidden fees or charges

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We're here for you

Our team is available to help 7 days a week

What our customers say

Personal Loans

4.82/5

282 reviews

1 review

5

Absolutely fantastic!! Professional and extremely prompt in answering my emails. Overall MoneyMe is hands down the best agency I’ve ever dealt with!! Highly recommended.

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1 review

4.5

The best company for a personal loan. Cheaper interest and more flexible repayment terms as compared to other loan providers.

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1 review

5

I was recommended to you by my son who recently received a loan for a car. He said it was quick and easy and he was certainly right. It was totally drama-free and you received an answer quickly and not left hanging for days/weeks. It was very refreshing to deal with your company. I'm a very happy customer who will recommend your services to my friends and family. Thank you, MoneyMe.

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1 review

4.5

It was a great first experience in getting a personal loan. It was a super quick and painless process and funds came in on the day it was approved. Thank you so much, MoneyMe!

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1 review

5

When I thought there was no hope, MoneyMe took a chance and helped me out. Thanks, MoneyMe.

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98%

%

of customers
would recommend
MoneyMe to a friend

Ready to get started?

Personal Loans up to $50,000 Approved Online | MoneyMe

Personal loans made easy

Experience a straight-forward and simple online application for personal loans up to $50,000. Everything is fast and easy – no paperwork and lengthy forms. Your online personal loan application just takes minutes to finish, and once you get approved, funds can be in your bank account in just a few minutes depending on who you bank with.

Learn more

Personal loans made easy

Experience a straight-forward and simple online application for personal loans up to $50,000. Everything is fast and easy – no paperwork and lengthy forms. Your online personal loan application just takes minutes to finish, and once you get approved, funds can be in your bank account in just a few minutes depending on who you bank with. Plus, you can manage your personal loan from your Members Area, including making extra repayments. Our fast cash loans are personalised based on your credit history and can be applied for anytime and anywhere.

What is a personal loan?

A personal loan is a credit product that you can borrow from a lender, such as MoneyMe, and use it to pay for expenses like car purchases, home improvements or holiday travel. This type of loan is usually unsecured, which means you don’t have to back up your application with assets or collaterals.

In Australia, a personal loan lender or bank must hold an Australian Credit License to legally provide loans. There are generally fees and charges included, such as an establishment fee and other ongoing fees.

Personal loans come in all shapes and sizes. You can get a fast cash advance or quick cash loans when you need instant money for an upcoming life event or an emergency while waiting for your next paycheck. This is what MoneyMe is built for – to give you access to extra cash and easy money whenever you need them.

The future of personal loans

Enjoy a fast and simple experience from application up to getting your funds. As a responsible lender, we align your fortnightly or monthly repayments to your pay cycle. This way, you don’t get caught with late fees! Everything is done online with the use of our advanced and secure technology to ensure that your experience is fast, fair and tailored to your financial situation. We’re the next generation of credit and personal loans.

For larger expenses such as a brand-new car, a wedding, home renovations, or university fees, you are going to need more than just a short term loan. MoneyMe gives access to easy loans, like fixed rate personal loans to ensure you have available funds with fortnightly or monthly repayments for the bigger things in life.

Manage your finance easier

Personal loans give you access to refinance options and help you manage bills and debts. We understand that getting on top of your bills and payments can be a bit challenging at time.

Here at MoneyMe, we can provide fast credit solutions to help with your everyday credit needs. One of our payment solutions is Freestyle, our virtual credit card. Applying for a Freestyle virtual credit card is easy and fast – just apply via the MoneyMe app or website, add it to your mobile wallet, and your credit is available 24/7 a few minutes after your approval. It’s that simple!

Apart from your credit score, we consider various factors to determine your rate. This includes your credit history, income, debt obligations and living expenses. Every bit of information helps us paint a more comprehensive picture of your finances and come up with a fully customised rate.

Unsecured personal loans

How does an unsecured personal loan work? An unsecured personal loan is an effective solution for debt consolidation. Think of it as a solution that can help you pay off your existing debts from various creditors. It helps you avoid the hassle of paying off multiple debts and lenders, and allows you to pay in fixed rates instead of multiple fees for every kind of debt.

With MoneyMe’s online loan application, you can get as much as $50,000 without any paperwork and in the comforts of your home. A brand-new and convenient way to pay off all your existing debts!

A tech-driven alternative to conventional loan processes

Forget about long waits and tons of paper documents. With MoneyMe’s instant loan offers, getting funds has become easier and faster.

Conventional loan processing can require a lot of paperwork and references, bank statements and paychecks. MoneyMe offers loans for Generation Now. It’s smooth, simple, fast process and gives you access to a same day loan or a student loan. You don’t need to provide a ton of paperwork or fill out lengthy forms. We’re completely online – even our contract is signed digitally.

How to get a personal loan

Our online application takes just a few minutes to complete. After entering your current employment, living expenses and existing financial commitments, we will retrieve you a 90-day online copy of your bank statement transactions electronically using our secure portal. This is a highly secured process and your bank statement will be available as a read-only option. Your security is important to us and we use SSL encryption to keep your details safe, just like your online banking app or website.

Apart from your credit score, we take into account other factors to determine your personal rate and offer. This includes you general living expenses, income, and employment history. You can use our online loan repayment calculator to help with how much you can borrow, for how long and to understand your expected repayments.

As a responsible lender, we want you to be comfortable with your repayments. When you have successfully repaid a loan with MoneyMe, we update your MoneyMe credit rating and may be able to offer lower rates and fees on your future loans with us.

Can I self-manage my personal loan?

Refinancing is a great way of tying up loose ends and eradicating small and cumbersome debts like high-interest credit cards. When you have a personal loan with MoneyMe, you do have the flexibility to manage your loan how you want to. Through your Members Area access, you can monitor your personal loans, opt for making extra repayments, or manage your personal loan details. There are no early termination fees, meaning you can repay your loan in full for free at no extra cost.

How long do personal loans take to process?

MoneyMe is about offering customers a fast and user-friendly application and approval processes. When you apply online with us, the process is completely online and takes just minutes to complete.

If you are applying during business hours, you can get approved fast with funds transferred immediately once approved. Depending on the time of the day and which bank your account is with, you may even have access to your funds within moments after approval. Otherwise, you’ll get your money the next business day.