Why choose MoneyMe?

What can you expect

What do repayments look like?


Lucy, 38

8.99% p.a. interest rate

12.36% p.a. comparison rate*

Excellent credit rating

Borrowed $17,000 over 5 years

Monthly repayments: $370.58


Matt, 29

19.25 % p.a. interest rate

21.12% p.a. comparison rate**

Fair credit rating

Borrowed $6,500 over 3 years

Monthly repayments: $258.33




*This comparison rate is based on our personal loan for an amount of $10,000 over 3 years wich includes a 5% establishment fee.

**This comparison rate is based on our personal loan for an amount of $30,000 over 5 years and an 8% (capped at $1,200) establishment fee.

WARNING: These comparison rates are 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.


Things you should know

For an unsecured personal loan of:



Medium Loan From $2,100 to $3,000

Repayment period:

• Minimum 12 months    • Maximum 24 months

Based on an unsecured loan of $2,500 over 2 years:

  • Minimum interest rate of 8.99% p.a. (16.78% p.a. comparison rate*). The total repayment is $2,960.07, which includes $2,500 principal, $200 establishment fee and $260.07 interest.

  • Maximum interest rate of 29.99% p.a. (38.50% p.a. comparison rate*). The total repayment is $3,622.82, which includes $2,500 principal, $200 establishment fee and $922.82 interest.

*Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.

Personal Loan From $3,001 to $50,000

Repayment period:

• Minimum 12 months    • Maximum 60 months

Based on an unsecured loan of $30,000 over 5 years:

  • Minimum interest rate of 8.99% p.a. (10.68% comparison rate*). The total repayment is $38,850.56, which includes $30,000 principal, $1,200 establishment fee and $7,650.56 interest.

  • Maximum interest rate of 19.25% p.a. (21.12% p.a. comparison rate*). The total repayment is $48,818.59, which includes $30,000 principal, $1,200 establishment fee and $17,618.59 interest.

*Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.

View our products

Up to $50,000

  • Money in your bank in as little
    as 60 minutes
  • Online quick application
  • Simple repayments and costs nothing to repay early
  • Low rates tailored to your profile

Up to $20,000

Low rate 16.99% p.a. & $250 back*

  • Up to 55 days interest-free
  • Fast approval in minutes
  • Add to mobile wallet to use instantly
  • Transfer credit to your bank or
    pay anyone

*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only.
View full T&C’s here.

Up to $50,000

  • Money in your bank in as little
    as 60 minutes
  • Online quick application
  • Simple repayments and costs nothing to repay early
  • Low rates tailored to your profile

Up to $20,000

Low rate 16.99% p.a. & $250 back*

  • Up to 55 days interest-free
  • Fast approval in minutes
  • Add to mobile wallet to use instantly
  • Transfer credit to your bank or pay anyone

*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only.
View full T&C’s here.

Free Personal Loan Calculator

MoneyMe provides a free personal loan repayment calculator tool that is easy to use and allows you to quickly find out how much you can borrow when you take out a personal loan with MoneyMe. This free tool is useful when you are budgeting your personal loan repayments in order to check whether the personal loan you want will be suitable for your financial situation.

Personal Loan Repayment Calculator Tutorial

You’ll find on this page the personal loan calculator widget that allows you to select the personal loan amount, ranging between $2,100 and $50,000. Once you’ve selected the loan amount you want, you can then input your preferred loan repayment period, ranging between 1 month and 3 years. Certain loan amounts have pre-set personal loan repayment periods. For example, a $5,000 personal loan requires a repayment period between 3 months and 2 years. Once this has been selected, you will then need to choose a repayment frequency of either weekly or monthly repayments, depending on the size of the personal loan.

Planning To Apply For A Personal Loan

The MoneyMe personal loan widget also includes the option to input your MoneyMe Credit Rating when calculating your personal loan repayments. This rating is determined by your lending history with MoneyMe. When planning your personal loan repayments, we also recommend inputting a lower credit rating than you are likely to receive, to see if you can still repay the loan comfortably at that lower rating. For example, you might want to test that you can repay the loan at an A5 rating. That way if you’re approved for an A1+ rating instead, you will have created a comfortable buffer in your finances.



Why Choose MoneyMe?

MoneyMe is proud to be a responsible lender. This means we are conscious of only approving loans that can be comfortably serviced. We are also very upfront about any fees we might charge, and provide a free personal loan repayment calculator to help you work out what your repayments will be, and whether you will be able to afford them.

We also employ the latest financial technology to make it easier, safer, and faster for you to access money, whenever you need it most.



How Do I Get Started?

Your first step in applying for a personal loan with MoneyMe is to use the personal loan repayment calculator tool to get an estimate of your regular repayments. If your income comfortably supports these repayments, it is a good indication that the personal loan will be suitable for your situation, and you are more likely to be approved. It that case, you can simply click on the “Apply Now” button to continue the process.


View our products

Up to $50,000

  • Money in your bank in as little
    as 60 minutes
  • Online quick application
  • Simple repayments and costs nothing to repay early
  • Low rates tailored to your profile

Up to $20,000

Low rate 16.99% p.a. & $250 back*

  • Up to 55 days interest-free
  • Fast approval in minutes
  • Add to mobile wallet to use instantly
  • Transfer credit to your bank or
    pay anyone

*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only.
View full T&C’s here.

Up to $50,000

  • Money in your bank in as little
    as 60 minutes
  • Online quick application
  • Simple repayments and costs nothing to repay early
  • Low rates tailored to your profile

Up to $20,000

Low rate 16.99% p.a. & $250 back*

  • Up to 55 days interest-free
  • Fast approval in minutes
  • Add to mobile wallet to use instantly
  • Transfer credit to your bank or pay anyone

*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only.
View full T&C’s here.

Personal Loan Calculator | Get up to $50,000 with MoneyMe

Know your ideal loan rate

If you are interested in applying for personal loans or a line of credit at MoneyMe, the first step you should take to know your ideal rate is finding a personal loan calculator. With it, you get an on-the-spot calculation of your expected fees, so you’re more confident to apply for a loan straight away! The application happens online, and you can get results within minutes without any paperwork.

Learn more

Know your ideal loan rate

If you are interested in applying for personal loans or a line of credit at MoneyMe, the first step you should take to know your ideal rate is finding a personal loan calculator. With it, you get an on-the-spot calculation of your expected fees, so you’re more confident to apply for a loan straight away! The application happens online, and you can get results within minutes without any paperwork.

How it works

A personal loan calculator is an online tool designed to give you a preview of how much you can apply for quick loans or fast cash. MoneyMe’s loan calculator is free, easy to use and can be accessed anytime using your desktop or mobile phone. All you have to do is select your desired loan amount, your preferred loan duration, and a quick description of your credit history to determine your interest rates. Once you have provided all these, you’ll get your expected repayment amounts, establishment fees and other ongoing fees on the spot!

It’s also helpful for understanding personal loan interest rates and making personal loan comparisons between credit products. For example, if you are considering small personal loans like a cash advance to help you between pay cycles, you may find that a revolving line of credit is a smarter option.

Regardless of what type of loans you are looking to apply for, using a personal loan repayment calculator allows you to check your financial health before you start applying. You can create an indicative budget based on your current living expenses and your monthly repayment whether it’s for small personal loans, virtual credit card, easy loans, or for larger loan options like an unsecured car loan, a boat loan or travel loans.

What’s next after using a loan calculator?

Once you have determined your ideal rate for your application for an unsecured personal loan, credit card or short term loans in the form of a bond loan or quick rent assistance, you’ll now have a clearer picture of “how much can I borrow” to suit your personal circumstances. Keep in mind that the calculations you got are still subject to further assessment and approval, but a good head start to look into your current living expenses and make necessary adjustments to suit your future loan repayments.

We understand that there are a variety of reasons for taking out a personal loan from a money lender like us, that is why we have built our personalised credit products to make sure you’ll get repayments and interest rate that is fair and tailored to you.

Personal loans for big moments

You may have used a personal loan calculator because you have a big life milestone comping up, like your wedding day, and you wanted to make sure you have the extra cash you need to make it as perfect as possible. We made getting a wedding loan from MoneyMe fast and simple, so you can enjoy your big day without the worry of scrambling for funds for unexpected same-day expenses.

Whether you are an incoming university student or looking to apply for a master’s degree, we also offer student loans to help you cover course fees and other school-related expenses such as school projects, textbooks and other essential learning tools. It allows you to settle for your tuition costs upfront and pay later with flexible and student-friendly rates.

Freestyle: The Virtual Credit Account

Freestyle offers you quick access to credit funds up to $10,000 in a matter of minutes. Apply online, get an outcome fast and once you’ve been approved, you can activate your card and add it to your mobile wallet to start your in-store Tap n Pay and online shopping. And it’s not just that. With Freestyle, you can do more. Take it anywhere to transfer money to yourself, your friends or to anyone, and use it for all your purchases with Mastercard. It’s your spend-now-pay-later, line of credit and credit card, all-in-one.

Just like same day loans, cash loans and small loans, you can choose to repay it over your preferred repayment duration to suit your current budget. We won’t charge you with early exit fees if you opt to repay earlier. We’ll also align your repayments with your pay cycle so you won’t have to worry about getting caught with late fees and charges. Freestyle lets you have the peace of mind in knowing that a credit account exists for helping you cover unexpected costs like car repairs, booking quick flights or for taking advantage of great sales.

You can also use Freestyle for paying out bills or when you simply need to get your daily food, fitness or entertainment fix. The best thing about having a Freestyle account is that you get fast access to cash whenever and wherever you need it. It is your modern-day credit card that you can take anywhere without the fear of losing it, because it lives inside your phone.

It’s perfect for maintaining healthy cash flow and if you’re looking for ways to refinance and offer yourself more flexibility. If you’re considering using Freestyle, access our personal loan calculator to compare it with our other loan options.

Easy credit for big-ticket items

If you are looking to purchase a larger asset like a car, you may opt for a car loan at fixed interest rates and pay it over a predetermined length of time. MoneyMe also offers unsecured personal loans, quick cash loans, as well as renovation loans to assist you with major home improvements. We also give you access to boat loans if you're looking to upgrade your boat furnishings, and small loans to simply cover for right now.

How to get a personal loan in Australia

As an online lender who holds an Australian Credit Licence, we believe in fair and responsible lending. Our proprietary AI-based loan management platform conducts a real-time assessment of thousands of social and financial data points, allowing us to provide you with fast and accurate loan outcomes. We are low doc and caters to the everyday credit needs of Gen Now, offering express loans with no-fuss online applications and approvals.

When you apply for same day cash loans and fast loans with us, we take into account a range of factors to determine if you’re eligible to apply. To qualify for our easy online application process, you must be at least 18 years old, a permanent resident of Australia and currently employed. Apart from your personal and employment information, we also look at your credit score, income, financial commitments and living expenses to determine your personal loan rates.

Once your online application for a personal loan has been approved, depending on who you bank with, your money may hit your bank account in as little as 60 seconds. We’re that fast.

We’re here to help

MoneyMe is one email or call away to help you out with your queries. If you’re interested to know more about our credit products, feel free to shoot us a message via hello@moneyme.com.au or call us at 1300 669 059 anytime during business hours.

Stay on top of your finances. Use our online personal loan calculator to help get a better picture of the right loan amount for your needs that you can comfortably repay.