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

Apply with confidence

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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

Ready to get started?


Do you need a personal loan - a fast personal loan? If you live in Australia, MoneyMe can help! In less than an hour, we can provide you with a hassle-free, easy personal loan of up to $50,000!

Why choose a MoneyMe personal loan?

MoneyMe specialises in fast personal loans - without excessive paper work or hidden fees.

We recognise that our customers often need personal loans quickly, and don’t have time to complete extensive forms or copy multiple identity documents.

It only takes a few minutes to apply for one of our easy personal loans, and you can receive the money you need - in your bank account - in under an hour (this depends on your bank of course!). Our small personal loans range from $2,100 to $50,000.

Please be aware that loan applications made outside of business hours will take a little longer.

MoneyMe Products

How do we provide such fast personal loans?

Rather than requesting pay slips, bank statements, or other time-consuming documentation for a small personal loan, MoneyMe uses smart and fast, technology to capture 90 days of your most recent bank statements online, in seconds.

You can rest assured that our systems offer the highest levels of safety and privacy. With your permission, we’ll simply gather your paperwork for you!

Can you build a credit history with MoneyMe?

Absolutely! When you take out a personal loan - or multiple personal loans with MoneyMe - you can also build your credit history. This means that over time, you may be able to borrow larger amounts, depending on your financial circumstances.

How do you repay your small personal loan?

While we make our personal loans very accessible and easy to secure, our responsible lending practices mean you’ll never borrow more than you can realistically afford to pay.

We also have a transparent cost structure, with no hidden fees.

Paying back your personal loan is simple. Your payments will be scheduled at the time you apply for your loan and they’ll be aligned with your pay cycle. We will also send you a friendly reminder the day before you are due to make a repayment.

Got a problem paying back your loan?

We understand that sometimes you may find it difficult to pay back your loan and we’re here to help you find a solution. You may have to pay additional fees if you can’t meet your repayments, but we’re completely upfront about these.

We are based here in Australia too. You can contact us via phone, email, live chat, Facebook or Twitter and we will do our best to help.

What our customers say


Out of 2,701 reviews

Personal Loans Australia up to $50,000 Approved Online

A modern way to access credit

MoneyMe offers customers access to quick and easy personal loans Australia. As a money lender designed for Gen Now, we have an entirely online loan application and approval process that gives you on-the-go access to funds when you need it.

Learn more

A modern way to access credit

MoneyMe offers customers access to quick and easy personal loans Australia. As a money lender designed for Gen Now, we have an entirely online loan application and approval process that gives you on-the-go access to funds when you need it.

We offer a range of flexible credit options, such as personal loans, short term loans, as well as bond loans and rent assistance to help you out with rental costs. You can also opt for unsecured personal loans for purchasing big-ticket assets like a car or a boat. If you need access to quick loans or easy loans, you can always choose MoneyMe.

Apply online, get an outcome fast, and depending on who you bank with, have the funds in your account in just a matter of minutes. No lengthy paperwork, no several days of waiting. MoneyMe relies on an advanced proprietary AI-based loan management platform to give you a fair and accurate loan outcome.

Know how much you can borrow

If you’re looking for express loans, you might be asking yourself: “How much can I borrow?” Regardless of your desired loan amount, whether they’re small loans like a cash advance to tide you over or an unsecured personal loan like a boat loan for purchasing your dream water cruiser, you will need to know what your ideal rate is and what your credit provider is likely to offer you before you get started.

Use our personal loan calculator to help you budget for repayments and fees and charges like establishment fees and other ongoing fees. This will give you an idea of what kind of personal loan interest rates will most likely be charged and how your expected monthly repayments are likely to affect your current cash flow. A personal loan repayment calculator can also help you understand your options to refinance and ways to manage your monthly bills.

Use a personal loan repayment calculator to compare your repayments on fixed rate personal loans Australia. The good thing about this calculator is it’s online, free and easy to use. You can play around with it by selecting your desired loan amount and your preferred repayment duration until you arrive at your ideal fortnightly or monthly rate.

Pay later with Freestyle

As an alternative, MoneyMe offers a modern credit product called Freestyle – a virtual credit account that lets you access to up to $10,000 to Tap n Pay in-store, shop online and transfer money straight to your bank account. It’s more than just a line of credit – it’s your spend now, pay later & credit card, all-in-one. Use it anytime, anywhere with Mastercard whenever you need quick cash to help pay your bills, cover unexpected expenses like car repairs or moving costs. Use it to get your daily fixes in entertainment, fitness or even just your morning coffee!

We see the whole picture

MoneyMe believes in responsible lending. As part of our credit check, we look beyond your credit score and consider a range of factors to make sure we are conducting an accurate risk-based assessment to arrive at loan terms and rates that are tailored to your personal circumstances. Apart from some personal and employment information, we also take into account your credit history, income, debt obligations and everyday living expenses.

With the new Comprehensive Credit Reporting (CCR), money lenders like us are able to see both sides of your credit history. Unlike the old credit report that used to only show your past defaults, late repayments or credit enquiries, the new credit statement reflects both the positive and the negative. This gives you a good opportunity to show your prospective lenders your initiatives to positively influence your credit score, such as making repayments for a small personal loan on time.

Along with some personal information, financial commitments and credit information that we have gathered through the comprehensive report, we also ask for your online bank details. So we could fast track your application, we obtain read-only snapshots of your banking activities for the last 90 days through a secure and trusted portal. It uses the same security-level encryption as your bank, so you are assured that your data is safe.

Get rewarded for good repayments

We love giving back to our customers. With the help of the comprehensive report, we can now finally reward you for your past positive repayment behaviours. If you make your payments on time, your credit score gets stronger and stronger, which means you can get access to lower rates and loan offers with better value. That’s how we do it here at MoneyMe.

Fast credit for big life moments

With MoneyMe, you can apply for larger personal loans Australia like student loans to cover university and course fees, a renovation loan for general home improvements, or a travel loan to book the trip of a lifetime. You can also apply for a wedding loan to get easy extra funds for your big day, or if you’d like to build a stronger credit history and gain access to better personal loan rates.

Manage your finance easier

Our mini loans are here to help you cover unexpected expenses while still waiting for your next paycheck. They may also help you manage your weekly or monthly cash flow with personalised loan terms and fixed interest rates to make your repayments easier. And once you have a solid credit history with us, we may re-evaluate your credit profile. A good and reliable credit history helps you gain access to loans with better rates and flexibility, yielding more savings for you in the long run.

Enjoy a seamless online process

Our online application is low doc and user-friendly. We are the credit providers of Gen Now, and we take advantage of technology to assess millions of customer applications and verify information quickly and painlessly. No need for a shopfront because we do everything online. No need for face-to-face interaction, frequent phone calls or long queues. Just easy and on-the-go access to the cash you need, when you need it.

Once your application has been processed and you agree to the personal loan terms and conditions we have offered you, all you have to do is sign your digital contract and your money is transferred to your bank account straight away!

If you got approved for a Freestyle account, just download the MoneyMe app, add your Freestyle card to your Apple or Google wallet and create your security PIN. Once you’ve done all these, your Freestyle card is ready for everyday on-the-go use!

With our fast and easy personal loan Australia, you don’t have to wait for your next paycheck to come in for the things you can pay now. Our rates are designed to be fair, accurate and tailored to your personal circumstances. We won’t penalise you for making your repayments early. We also align your fortnightly or monthly repayments with your current pay cycle, so you won’t have to worry about getting caught with late fees! With MoneyMe, you are in control of your finances.

Experience a better way to borrow with MoneyMe. Apply now and get access to personal loan Australia up to $50,000 in minutes.

What our customers say


Out of 2,701 reviews

Ready to get started?