loans for
kicking goals

Low rates starting from 9.19% p.a. (comparison rate from
10.58% p.a.*) with money in your bank account in as little as
60 minutes.

Won’t impact your credit score!
Won't impact your credit score!

Estimate your repayments

Find out how much your repayments and interest rate could be with our calculator.

Enter your loan details


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Estimated monthly repayments


Example interest rate

9.19% p.a.

Comparison rate*

10.58% p.a.

Total charges


Total repayments


It won’t affect your credit score!

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Check our rates and fees

Interest rate (p.a.)


% p.a.

up to


% p.a.

Comparison rates (p.a.)*


% p.a.

up to


% p.a.
*This comparison rate is based on an unsecured variable rate 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.
*This comparison rate is based on an unsecured variable rate 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.

How to apply

1 Check your rate

See your interest rate and repayments in less than
5 minutes. It won’t impact your credit score!

2 Submit your application

Review your loan offer, hit 'submit application', and
we'll take care of the rest.

3 Get your funds

If approved, you can have money in your bank account
in as little as 60 minutes.

Must be Australian citizen, New Zealand citizen or permanent resident

Earn more than $30,000 p.a. from employment

Must at least be 18 years old

Bank-grade security

‘Read only' access to accounts

256-bit data encryption


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to kick your goals

Simply download the MONEYME app and describe your goal in 25 words or less for your chance to win!

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Loans for small
and big moments

Won’t impact your credit score!
Won't impact your credit score!
Big purchase
Debt consolidation

What our customers say

4.6 review rating
Personal loans

Everything you
need in one app

Apply in minutes and manage your account
wherever and whenever you need it.

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.

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.

FAQs about MoneyMe Personal Loans

What is a personal loan?

Personal loans from credit providers are contracts where you agree to borrow money from the credit provider for personal purposes, such as a car or student finance. Interest is charged on the loan, plus fees and charges are payable (such as ongoing fees like account keeping fees). Your establishment fee is often rolled into your total loan amount and does not constitute as a separate payment fee upon approval or acceptance of your loan contract.

A personal loan can provide you with access to money you want or need now, so that you can do things like:

  • take advantage of a great offer on a new asset with a great interest rate car loan and flexible terms

  • put down a deposit for an upcoming life event and enjoy regular, cashflow friendly repayments

  • pay for an unexpected emergency or bills (like mechanical works and repairs on your car) and enjoy the security of knowing that you can cover your costs comfortably with a range of loan terms, including short terms of just 12 months

  • move rental properties (and pay your upfront costs like professional movers and your bond)

  • travel to all of the places you have always wanted to go comfortably and with the security of knowing that you can pay off your epic adventure with manageable repayment terms

MoneyMe offers personal loans ranging from $5,000 to $50,000, with flexible repayments and no early repayment fees or exit fee. Our interest rate ranges are highly competitive. Check out our comparison rate examples to compare personal loans.

Larger loan amounts can help with purchases like a new car, a wedding, renovations, or education expenses like tuition fees and even for the cost of regular school terms.

Larger loan amounts may have a longer loan term, so that you have more time to repay the loan, but this also means that there is more interest to pay over the life of the loan. Shorter loan terms will mean higher repayment amounts but less interest payable over the life of the loan. Don't forget that you can reduce the amount of interest that you pay on a new loan for a car or other large purchase by paying out your loan amount ahead of time.

Even if you have a poor history with credit, you may be approved for a personal loan with MoneyMe.

What is the difference between a secured and unsecured personal loan?

Generally speaking, a secured personal loan is a personal loan that is secured by some form of collateral that you own—such as a home or a car—that your lender has the right to sell in the event that you default on the loan. The cost of the secured asset helps the lender to recoup any lost earnings from interest payments and often a lender adjusts their interest rate to reflect the slightly lower credit risk.

On the other hand, an unsecured personal loan is not secured by any collateral. While this might mean that you pay a slightly higher interest rate, it also means that your loan amount is not secured to any asset that you own. Paying a slightly higher interest rate could give you more flexibility.

When you take out a new lending product with MoneyMe, you also enjoy fee waivers like no early exit fees applied when you choose to close out your existing loan balance with us ahead of schedule. Paying out your loan balance means that you can avoid paying some of the interest charged on your loan.

You also enjoy a competitive interest rate and comparison rates on a variable rate loan options. Refer to our comparison rate to ensure that you are getting the lowest cost finance and rate available.

How do I apply for a MoneyMe personal loan?

Simply apply through our website or the MoneyMe app available in App Store and Google Play. Our application process is entirely online, and can be completed in minutes, with no face-to-face interactions and lengthy paperwork! Enjoy competitive interest rates and low fees across all of our finance options.

How soon can you get the outcome of your MoneyMe personal loan application?

Many borrowers who apply during business hours (being 8am to 9pm Mondays to Fridays and 9am to 9pm on weekends) receive the outcome of their application on the same day. If you apply outside of business hours, or your financial situation is more complex, it may take a little longer.

If you are approved, we send your lending offer immediately which shows you what rate of interest you will be charged on your loan as well as the total cost of your loan over your nominated term. You can sign this offer online and once received, we transfer you the money you need to buy your new car, book a holiday or straighten out your finances immediately.

The time it will take for you to receive your new cash funds depends on a range of factors including which financial institution your bank account is held with.

What is a comparison rate?

Comparison rates are designed to help customers understand the true cost of a loan, because the comparison rate actually includes fees as well as the interest rate. All finance comes with a range of fees beyond just the interest rate offered. When you receive a finance offer from MoneyMe, you can clearly check the comparison rate or total cost of your loan, including both the interest rate charged as well as any other applicable fees.

What is refinancing?

Refinancing refers to taking out an entirely new loan, and using the loan funds to pay off an existing loan.

It is typically done to obtain lower interest rates and/or better loan terms. Lower interest rates mean lower payable interest over the term of the loan. Refinancing and switching to a lender with lower interest and lower general fees can help you reduce the total interest you pay over the term of your loan. It's worth periodically checking that you really are getting the best interest rate that you can. Interest rate differences of even just 1% or 2% could add up on the loan term so saving yourself that extra 1% or 2% in interest now could mean big long term savings.

What fees are associated with MoneyMe personal loans?

We charge an establishment fee and a monthly fee, in addition to an interest rate starting from 6.95% p.a. Other fees and charges may apply if you don’t make your scheduled loan repayments.

How are MoneyMe’s interest rates determined?

We set interest rates primarily according to the borrower’s credit report. Other factors which can impact the interest rate that you receive includes your total income, debt obligations, and living expenses. Ensuring that your credit report is as good as it possibly can is a quick and easy way of giving yourself the best chance for securing the lowest possible interest rate offered.

What is an early repayment fee?

Early repayment fees are generally fees that are payable by borrowers if a loan is repaid ahead of schedule. Paying your loan ahead of time reduces the amount of interest that you pay.

We don’t charge early repayment or early exit fees if you decide to make an early repayment for your personal loan.

Can you make a redraw on your MoneyMe personal loan?

We don’t offer redraws on personal loans, which means the amount of the loan you have repaid won't be available for use again.

What is your credit history?

The term ‘credit history’ is usually used to describe how you have managed your credit in the past.

It also sometimes shows how long loan accounts have been open, the number of credit enquiries on your credit file, and whether you are making your loan repayments on time. Past or current loans and credit cards generally form part of your credit file and history. Your credit report will impact the kind of interest rate you are offered should you be approved for a new loan with us. The higher your credit score, the lower the interest rate we offer will generally be. Other factors can affect your interest rate too like your living expenses and your total income.

How can you find out your credit score?

Your credit score is a number that is calculated based on what is in your credit report and how you have performed with credit products in the past. You can obtain your credit file from an online credit file provider for free. Generally, a higher score means lenders will consider you less risky, whereas a lower score may affect your ability to get a loan.

What credit reporting agencies do MoneyMe use?

The credit reporting agencies we use are Equifax and Illion.

Can you get a MoneyMe personal loan on a bridging visa?

We will not review your application while you’re on a bridging visa, but you can reapply with us once your visa status is confirmed.

How can you change your account information if you’re switching banks?

Once you've logged in to your MoneyMe account, go to 'Account details' and click on Update your details 'here'. A window will appear where you can enter your new bank account details. Press send to submit.

Alternatively, you may contact us directly on 1300 860 441 or send an email to

How can you contact MoneyMe?

Whilst we’re completely online, we’re always here to help. You can reach us via phone on 1300 860 441, by LiveChat during operating hours or by emailing at any time

What are MoneyMe’s operating hours?

We’re available from 8am to 9pm on weekdays and 9am to 9pm on weekends. We’re also open on most public holidays.

Does MoneyMe have other credit products apart from personal loans?

Yes—aside from personal loans, we also offer Freestyle: A virtual Mastercard, with a limit of up to $20,000. Freestyle facilitates in-store Tap n Pay and online shopping, fast transfers to your bank account, pay-anyone features and more. Click here to find out more.

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 $5,000- $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.

Personal Loans are running hot!

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