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Rapid Loan

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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.

Rapid Loan

Are you looking for a rapid loan in Australia? Whether you’re faced with unexpected bills or planning a last-minute wedding or you’re in desperate need of a holiday, there are times in your life where quick access to extra funds could make all the difference. It’s moments like these when you’ll want to be able to get a loan in hours, or even minutes, not weeks or months. The good news is, getting a rapid loan may be easier than you think.

With so many loan companies going online and new technology making processes much faster and more streamlined, getting last minute loans approved can now be done much more quickly. Another benefit of online money lending is that applying usually requires less paperwork. MoneyMe offers online loans with low competitive rates and fast approval. By going through this fast lending process, funds can be in your account on the same day.

How does a rapid loan work?

You may be wondering how a rapid loan works. There are many different types of loans and they don’t all work exactly the same. For variable rate unsecured personal loans, where no collateral is required, the money is lent in a lump sum that will be transferred into your bank account. Typically, you’ll be required to pay the loan back in equal instalments over a variable time period at a variable rate of interest. If it is important that you get a rapid loan, you’ll need to find a lender that has a quick and easy application process as well as fast approval so that you don’t have to wait too long until the funds are in your bank account.

What is the application process for a rapid loan?

Whatever type of easy cash loan you are applying for, if you meet the criteria, you’ll be allowed to go through an application process. During this time, you’ll need to specify how much money you want to borrow and what kind of repayments you'd like to make. If you go through an online lender, the application form can often be completed in just a few minutes. 

Once the loan has been approved, you’ll need to check if you’re happy with the interest rate, the repayments and any other conditions. Each lender will have different loan terms and fees & charges, so you’ll need to find a quick loan that works for you. With online loans, you can usually sign the contract digitally and send it back online. Once you’ve accepted the loan, you’ll get access to your funds and you can start spending! With rapid finance loans in some instances, the funds will be in your account on the same day you apply for your loan.

How do I get a loan ASAP?

If you are looking to get a rapid loan ASAP, then you’ve come to the right place. MoneyMe offer easy loans ranging from $5,000 up to $50,000. To be eligible for online cash loans from MoneyMe, you need to be an Australian citizen or resident, 18 years of age or older and currently working in Australia. If you meet this criteria, the next step is to click on the Apply Now button on our website and you can start the application process. As everything is done online, you can submit your application at any time. You can even download the MoneyMe app from the Apple App Store or Google Play and apply directly from your smartphone or tablet.

Without needing to provide extensive paperwork, the online application can be filled out in minutes. You’ll need to provide your personal information and some financial details and then we can complete our assessment. Using secure technology, with your permission, we can get read-only access to your last 90 days of bank statements making the application process more streamlined and efficient. And if you’re worried about security, the data between your system and ours is encrypted to keep your information safe. With our speedy assessment process, you’ll usually know the outcome within one business day, if not much sooner. Once you’ve accepted the loan offer, we’ll transfer the money to your account. Depending on your bank, if it’s during business hours, the money could be in your account in a matter of minutes. 

At MoneyMe, our competitive low interest rates will be tailored for you based on your credit profile and history. We are responsible lenders so we won’t lend you more money than we think you’ll be able to afford to repay. We offer variable interest rates on our fast loans and clearly outline our fees and charges upfront. This means you’ll know exactly what your monthly or fortnightly repayments will be over the term of the loan which makes it easier to budget. MoneyMe also has an in-house credit rating system and we like to reward customers who make their loan repayments on time. If you build up a good credit history with us over time, you could then be able to borrow a larger amount of money at a lower rate on your next MoneyMe loan.

If need rapid financing, an alternative to a rapid loan is to apply for a line of credit. With the MoneyMe Freestyle virtual Mastercard® you can get access to up to $20,000 once your application has been approved. It works in a similar way to a credit card so you can use it to shop in store with Tap n Pay, make purchases online or transfer money to another bank account. Like with MoneyMe personal loans, the whole application process is done online and only takes a few minutes.

With our fast online approval, it won’t take long to find out if you’ve been successful, and once the funds have been approved, you can start shopping with your virtual card. You can also get credit back at 1,400+ participating stores and up to 55 days interest-free on purchases. Not only do we help our customers, but we look after businesses too. Our merchant payment solution MoneyMe+ allows businesses to offer a buy now and pay later option to their customers. If you run a business, please get in touch to discuss how our business payment solution can increase sales and improve customer loyalty. We can tell you about our interest free payment plans for your customers too.

At MoneyMe, providing good customer service is important to us. Having our services online offers convenience and it is a great way to speed up the loan application process. The MoneyMe customer service team members are also available to chat with you if you need any help or have any questions. You can call us at 1300 329 037 between 8am to 9pm (AEST) Monday to Friday and 9am to 9pm (AEST) on the weekends. You can also get in touch via live chat or send us a message via our website and we’ll get back to you. Apply online at MoneyMe today, and you could have extra funds in your account before you know it.

Our customers

Rapid Loan

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


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