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Personal Loan Interest Rates Information

How much do you need?

For how long?

Credit history

Your repayments will consist of an establishment fee of $0 and interest of $0. The repayment amount is based on the variables selected, is subject to our assessment and suitability, and other important terms and conditions apply.*

*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

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Quick decision

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Competitive rates

Fairer rates tailored
to your credit profile
and history


Fixed repayments

Self-manage your
repayments from within
your MoneyMe account


My Personal Loan Rates

At MoneyMe, we like to be fully transparent with our personal loan rates. We pride ourselves on having no hidden fees whatsoever, so we will never leave you wondering about our cost structure. As a responsible lender, we also want you to be happy with your loan experience. This is why we reward on-time payments with a strong MoneyMe credit history, that can result in lower cost loans in the future.

Your Best Interest

Deciding the type of interest rate that best suits your circumstances can be confusing. There are two types of personal loan interest rates: fixed or variable. A fixed interest rate loan has an interest rate that does not change during the fixed period of the loan. This means that you, as the consumer, will always know with complete accuracy how much your future repayments will be. You will also be safeguarded against any future rate rises, as your interest rate will not shift even if they do. A variable rate loan, on the other hand, has an interest rate that fluctuates in response to changes in the cash rate. That means that if interest rates go down, you pay less, but if they rise you will need to pay more.

About Interest Repayments

Our personal loan rates are some of the most competitive in Australia. At MoneyMe, your personal loan interest rates are determined by your credit history. This means that every time you borrow with us and repay your loan on time, you will be eligible to take out a larger loan at a cheaper rate the next time you apply. We also look positively on those who are new to credit, as we don’t believe you should be disadvantaged just because this is your first time borrowing.

You can also find out your comparison loan rate via our website. Your comparison loan rate is your personal loan rate combined with any associated fees for the entirety of the lending period, given in a single percentage figure. This helps you better understand the exact cost of the loan.

Understanding your credit score

You can find out what your credit score is when you make a personal loan application. If you don’t have a high enough score, however, don’t hesitate to get in touch with us today. At MoneyMe we understand that circumstances change, and we take a whole range of information into consideration when determining your personal loan rates and your borrowing capacity.

Things to know
about our costs

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


Tailored rates

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


Upfront and honest

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


We're here for you

Our team is available to help 7 days a week



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