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Low Doc Personal Loans

Personal loans for

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Estimate your

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


Monthly repayment from


Example interest rate

9.20 %

Comparison rate*

10.58 %

Total charges


Total repayments


Disclaimer: This calculator provides an estimate only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change. Any calculations made by you using this calculator is intended as a guide only.

Low Doc Personal Loans

Low doc personal loans can be great for those who want to take out a personal loan without all the paperwork that is usually associated with a traditional loan application. Or if you have a limited financial history or run your own business, meeting all the eligibility criteria can be difficult. What do you need for a low doc personal loan? Low doc personal loans require less paperwork, but what you need to apply will depend on which bank or money lender you take your personal loan out with. There are many low doc personal loans on the market, so you’ll need to shop around to work out which bank has the easiest low doc personal loan approval process.

Choose the most suitable loan for you

From a loan secured by a car, home, or other assets to an unsecured loan; a variable rate personal loan to a variable rate personal loan; or a short term loan to give you some breathing space to a loan with a longer borrowing term, there are many low doc personal loans to choose from.

Undertaking a personal loan comparison in Australia will help you find the best personal loan for you. When comparing rates, make sure you look at the comparison rates too, not just the interest rates. The comparison rate takes into account fees so it will give you a better idea of what the real cost of the loan will be. Due to the higher risk of low doc personal loans, interest rates and fees may be slightly higher with this type of loan.

Low doc personal loans could be for anything from a holiday or a new car to house renovations or medical bills. Whatever the reason, low doc personal loans can be a great way to get quick cash loans when you need them, especially for those who are self-employed as you won’t need to gather up as much documentation such as tax returns or payslips to prove your income.

Hassle-free, paperless application

Up until recently, most money lenders offering personal loans have required mountains of paperwork, documents, and references such as bank statements and payslips. These days, with online lenders you may not actually need paper copies of anything to take out low doc personal loans, and the loan contract can be signed digitally and returned online. For example, with MoneyMe applying for loans online is done through a quick, seamless, and user-friendly low doc online application process.

Through advances in technology, it is now possible to assess loan applications and verify information very quickly. There is now no need for face-to-face meetings, lengthy phone calls or hours spent waiting in queues. With our same day loans, you’ll have access to your money before you know it.

Safe and secure process

Rather than requesting that you provide pay slips, bank statements, and other documentation that can be time-consuming to pull together, MoneyMe uses technology. This technology, with the permission of the potential borrower, can capture the last 90 days of your most recent bank statements online and all in a matter of seconds. Instead of you having to spend time collecting all your paperwork, we can gather it for you. And it’s all done with the highest level of safety and security.

To do this, we simply ask you to provide your online bank details. Using this information, we can get access to read-only snapshots of your last 90 days of banking activities. We obtain this information through a trusted and secure portal that uses the same security-level encryption as your bank, so you can be assured that your data is safe. We cannot change your bank account in any way and of course, we won’t have access to your banking password or PIN.

Borrow the right amount for you

Although the MoneyMe application process is quick and straight-forward, we follow responsible lending practices to ensure you don’t borrow more than you can realistically afford to pay back. Before you apply, we suggest you use our free personal loan calculator so you can get a good idea of your interest rates and likely monthly repayments. You can adjust your borrowing amount and loan payment duration until you find something that suits you. We want to make sure you can afford the repayments, so you don’t get into debt that you can’t afford to pay back, or be hit with late payment fees.

Once your low doc personal loans application has been processed and approved, you’ll simply need to agree to the terms and conditions of your personal loan, sign your contract and the money will be transferred to your bank account. With MoneyMe quick loans, depending on who you bank with, you could have the money in your account on the same day. Our quick approval process means you can get access to the funds right when you need them.  

MoneyMe is one of Australia’s fastest online lenders. You can get small loans from as little as $5,000 to larger instant loans of up to $50,000 approved quickly without needing to fill out reams of paperwork. So whether you need a $5,000 personal loan or a $30,000 personal loan, apply online today!

Our customers

Low Doc Personal Loans

Fast, fair and easy. Very happy customer. Happy to get another loan in the future from MONEYME.

Simple process, easy to follow application, quick response time and good support.

I was impressed with how easy and quick the application was. Very happy with their customer service, and the app is very convenient.


Review Stars Out of 2,701 reviews

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Transparent and
simple pricing

Interest rate

9.20 %
to 25.20 %

Comparison rate*

10.58 %
to 26.58 %

Establishment fee
(Direct applications)

$395 for loans between $5,000 and $15,000

$495 for loans between $15,001 and $50,000

Monthly fee


Loan terms

Minimum 3 years

Maximum 5 years

Early exit fees


Ready to get

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

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