Get a low rate personal loan today

Cheaper Rates

Rates starting lower
than the big 4 banks

for an unsecured personal loan

Fast & Easy Application

Fast & easy
online application

Money on same day

Money can be in your
account same-day

applied before 5pm (Sydney time)

Flexible payments

Flexible repayments
with no early exit fees

Loans for moving
Loans for moving
Loans for new family members
Loans for new family members
Loans for renos
Loans for renos
Loans for cars
Loans for renos

Our awesome low rates
vs the big 4 banks


This comparison rate is based on an unsecured personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. $495 establishment fee and $10 monthly fee applies. Comparison as of: 30/07/2021

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Simple, online application process

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No-obligation personalised offer

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Fast same-day assessment

Funds transferred immediately after approvalNew Payments Platform

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What is a personal loan?

A personal loan is money borrowed over nominated terms from 1 to 5 years. Your financed amount is repaid in small, fixed loan repayments regularly spaced over the loan term and the total cost of the loan should be clearly shown in your finance offer before you sign your lending contract. Your repayments should also be outlined in your loan offer so you know how much you repayments will be, when they will be direct debited and whether a payment fee or service fee applies.

Types of personal loans include both secured and unsecured. An unsecured loan is a type of finance that does not require asset security and all loans from MoneyMe are offered as unsecured finance. You do not require asset security to be eligible for any of our lending options.

Whatever you need money for, we can help. We offer customers unsecured loan options including car loans, travel overseas, and consolidation debt loans with competitive fixed interest rates. Fixed interest rate refers to the interest charged over the course of your finance. A variable interest rate may change but a fixed interest rate remains the same. MoneyMe offers fixed interest rate finance options. Consolidating your debt, for example, into a single loan amount could offer you significant cost savings like reducing your total interest payable across multiple debts.

Enjoy competitive interest rate ranges, regular repayments at a fixed amount and flexible repayment terms like not exit fee charged when you choose to close out your balance ahead of schedule.

MoneyMe is a responsible money lender with a current Australian Credit Licence. We offer online personal loans requiring no asset security for up to $50,000 with competitive comparison rates and interest rate offers.

How to get a personal loan

To be eligible for fixed rate finance from MoneyMe, you must be at least 18 years of age, currently employed and a permanent resident in Australia. To apply, simply complete and submit our online application form. It takes less than 5 minutes and there is no application fee.

Our online application form will ask you standard lending questions like details of your income, mortgage payments for home loans or rental payments if you're a renter, as well as any other bills and debts that you currently have. You'll be asked to input your ideal borrowing amount and what the purpose of your loan is such as whether it is for car finance, etc.

As part of our standard practice, your credit report will be accessed to help us understand what kind of credit history you have. Your credit assessment is just one part of your application and all applications are thoroughly assessed. Don't worry if your credit report isn't quite as good as you'd like it to be. We understand that your credit history does not present a full picture of your financial status. Your credit file, however, will likely affect the total cost of the loan that you apply for. Weaker credit files will usually attract a higher unsecured personal loan interest rate. Remember that you can reduce the amount of loan repayments that you make by paying out your balance ahead of time. We do not charge fees for repaying your unsecured loan balance early. Ensure that you take this into account when you compare personal loans.

Approvals are often received within minutes when you apply for your finance amount during our business hours. Once your loan amount is approved, the cash you need will be in your bank account on the same day, and within minutes in some cases.

MoneyMe Products

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 what kind of repayments you'd like to make.
  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 at the right time would really come in handy. MoneyMe loans are the safe, hassle-free way to get the cash you need at competitive interest and low fees. Enjoy fast approvals on every type of finance from loans to purchase a new car to loans for investment purposes and more. When you need fast cash at the right loan interest rate, apply online with us. You could be approved for an unsecured loan of $30,000 in minutes.

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.

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.

What our customers say
Personal loans


Out of 2,701 reviews

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

Personal loans made easy

Experience a straightforward 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.

Learn more

Personal loans made easy

Experience a straightforward 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 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. For fees and cost savings that suits your situation, you may either choose a fixed rate loan or a variable rate loan for your monthly repayment.

In Australia, a personal loan lender or bank that offers fixed or variable interest rate loan must hold an Australian Credit Licence to legally provide loans.

Personal loans come in all shapes and sizes. You can get a fast cash advance or quick cash loans when you need fast 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. As we do not offer a variable rate 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 times.

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 file, we consider various factors to determine your interest rate. This includes your 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? A fixed rate secured personal loan must be secured against the value of an expensive asset that you own, such as your house or your car. You are not permitted to sell that asset until the loan term ends. Unsecured fixed rate loans are not tied to any of your assets.

A fixed rate 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 repayments instead of multiple fees for every kind of debt.

With MoneyMe’s online application, you can get as much as $50,000 with a new unsecured personal loan without any paperwork and from the comfort of your home. Compare personal loans online to ensure that you are getting the best comparison rate you can.

A tech-driven alternative to conventional loan processes

Forget about long waits and tons of paper documents. With MoneyMe’s express loan offers, getting funds has become easier and faster. As a MoneyMe customer, you enjoy a quick and easy fixed rate loan application online taking less than 5 minutes to complete and submit. Our fixed rate finance options mean that you know exactly what your comparison rate is, can easily compare personal loans among providers and quickly see whether you're getting the best personal loan interest rate available.

Conventional loan processing can require a lot of paperwork and references, bank statements and paychecks. MoneyMe offers loans for Generation Now. It’s a 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 details, living expenses and existing financial commitments, we will retrieve 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 interest rate and offer. This includes your general living expenses, income, and employment history. You can use our online loan repayment calculator to help you compare personal loans, learn how much you can borrow, for how long and understand your expected repayments. It is also a perfect tool to check for the p.a. comparison rate and other fees that may be associated with your loan.

When you have been approved, you will receive a loan offer showing you what interest rate you have been charged as well as the comparison rates. The comparison rate is important. This relates to the total cost of the loan that you are applying for. Fixed rate loans maintain the rate of interest throughout the term of your finance, while a variable rate or variable interest rate finance will mean fluctuating repayment amounts. When you check for the comparison rate of personal loans, always ensure that you compare a variable rate loan and the associated costs with a fixed rate loan option.

As a responsible lender, we want you to be comfortable with your monthly repayment. When you have successfully repaid a loan with MoneyMe, we update your MoneyMe credit rating and may be able to offer you a lower rate 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 with a fixed rate finance option. As a MoneyMe customer you have the flexibility to manage your finance how you want to. Through your Members Area access, you can monitor your personal fixed rate loan, opt for making extra repayments, or manage your personal details. There are no early termination fees or early repayment fees and cost meaning you can repay your balance in full for free at no extra cost.

How long do personal loans take to process?

MoneyMe is about offering each customer a fast and user-friendly application and approval processes for our fixed rate loan products. While we do not have variable rate offers, 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.

What our customers say
Personal loans


Out of 2,701 reviews

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