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Personal loans for

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Excellence Award 2022*

Winner of Canstar's Innovation Excellence Award 2022*

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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.

Quick Personal Loans up to $50,000

MoneyMe offers customers quick personal loans in just a matter of minutes, all online. We all live our lives online so why not apply this convenience to personal loans, too? It’s fast cash when you need it, with application process completely low doc. There are no lengthy phone calls or reams of paperwork needed. For most of our customers, depending on who you bank with, this has meant that their quick cash loans have been available in their account the exact same day, sometimes even within an hour of digitally signing your contract.

Where to get a quick personal loan?

We’re just like other money lenders in that we have an Australian Credit Licence but we’re different because we’re completely online. A loan application and approval should be a walk in the park. And, with MoneyMe, that’s exactly what it is.

It’s always a good idea to find a personal loan calculator if you’re considering a new loan. Our variable rate loans mean that when you’re approved for a certain amount, we’ll let you know what your repayments are and then time them with your payday to ensure smooth payments right from the start. To get a general idea of what those repayments might be, use a loan calculator online and input the ideal loan amount and a general guide for an interest rate you think you might be charged. The calculator will show out a repayment amount on the spot, which includes the principal loan amount you’re paying back, as well as the interest you will need to pay. These are great tools that give you a quick snapshot of the likely cost of a loan and how affordable your repayments will be.

Personal loan eligibility from MoneyMe is standard. To qualify for our range of variable rate personal loans and our Freestyle credit card, you will need to be currently employed, a permanent resident of Australia and at least 18 years old. Your application will ask you for some pretty standard information like your employment details, your general living expenses such as the rent you pay or your mortgage repayments, and any other debt that you might have. We do a quick credit check on your credit report and then allocate you a special MoneyMe credit score which determines things like fees and charges and what kind of loan offer we can make you.

How to get a quick personal loan with less-than-perfect credit?

We believe in responsible lending so that means that we don’t offer our customers more credit than we believe you can comfortably repay, and we also take into account all of your circumstances, especially your current ones. In the past, when you applied for products like our fast cash loans and our virtual credit card, lenders would request and receive a credit report which only showed a very limited amount of information. Times have changed in ways that not only mean we can offer you faster approvals for our range of products, but we can also receive a more complete picture of your credit history. We understand that sometimes in life, things happen. You might have forgotten about a bill or been in tough circumstances which resulted in a credit default on your credit file. Now, with the new credit reporting facilities, lenders can actually see your repayment history for the last 24 months, not just the difficult moments on your credit file. 

When we allocate our customers an internal MoneyMe credit score, this means that we have seen and noted any trouble you may have had with credit in the past, and we’ve allocated an appropriate amount of risk to us that you may pose. When you have successfully repaid an easy money loan with us, we re-evaluate your credit score with us and the next time that you apply for our instant loans, you are rewarded with fewer fees and charges because we have a better understanding of the kind credit customer you are now.

How could quick personal loans help your financial circumstances?

How could our range of easy finance help you right now? How could a quick loan from MoneyMe help to free up your cash flow, or assist in managing bills and debts you have? 

If you’re moving to a new rental property then relocating is not only a stressful time, it can also be an expensive one. As a rental tenant, there are professional cleaning costs, possibly gardening costs, removalist costs and then the bond amount and upfront rent you have to pay for your new rental home. A short term loan from MoneyMe can be the quick cash you’re looking for to get rid of all of your upfront costs and then comfortably repay them over a variable period. You can stress less while you move and focus on the good parts of relocating like furnishing your new home and settling into a new neighbourhood.

Unexpected bills usually hit at exactly the wrong time and sometimes your savings just isn’t enough to cover everything cleanly or you’d rather not clean out your entire savings in one fell swoop. Whether it’s a long term personal loan that you need to cover things like medical expenses and mechanical costs or a new car, or small loans to help you clear off your utility bills, car registration and a few other odds and ends, we can help. Our range of easy loans offers you instant upfront cash so you can pay what you need to pay and still have some breathing space and a bit of savings at the end. 

Having trouble saving for the things that you love, or have you come across a great deal that you just can’t pass up? Don’t put off the things on your bucket list and clear out your rainchecks. It’s time to start really living your life. Our quick personal loans can help you plan that holiday you have been promising yourself or finally do that world travel plan you and your best friend promised you’d do in high school. If you’re heading back to the books, we can help you with a fast cash loan to cover your education expenses. Our loans cover adult education and university, as well as kids’ school fees for college. Usually, courses offer you great savings when you’re able to pay upfront so why not take advantage of those early booking specials and access the quick loans you need from MoneyMe.

Been putting the wedding off so you could finally plan that dream even you’ve always wanted? Let us help you push the schedule forward. Need to update your bathroom or put on an extra room in the house? Apply for renovation loans and get the ball rolling.

When you’re ready to proceed, apply online for quick personal loans with MoneyMe. Applications take you just a few minutes to complete and approvals are fast. Apply online today and get the cash you need from MoneyMe at great rates and low fees.

Our customers

Quick approval

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!

Personal Loans are running hot!

55 people in the last 24 hours have applied

Freestyle is running hot!

55 people in the last 24 hours have applied

Debt Consolidation is running hot!

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