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Small loans

Low interest rates and money in your bank account within 60 minutes

A feature-packed virtual card, ready to use instantly on approval

Simplify your debts into one low monthly repayment

Small Personal Loans up to $50,000 Approved Online | MoneyMe

Quick and easy online loans

Get on top of your finances with small personal loans from MoneyMe. Whether you’re searching for a credit product to help pay for big-ticket items or small, everyday expenses, MoneyMe is the Generation Now money lender who offers great personal loan interest rates and fast online applications and approvals.

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Quick and easy online loans

Get on top of your finances with small personal loans from MoneyMe. Whether you’re searching for a credit product to help pay for big-ticket items or small, everyday expenses, MoneyMe is the Generation Now money lender who offers great personal loan interest rates and fast online applications and approvals.

We believe in fast, responsible lending so we have developed same day cash loans that you can apply for online and get results in a matter of minutes. We do everything digitally, including your loan contract. There is no wasted time spent making unnecessary phone calls. We use the power of technology to get you quick loans when you need them, for whatever you need them for. We don’t even have branch offices to shuffle paperwork around. It’s all online, it’s all available right now and it’s all tailored to ensure that you receive fast approvals, great customer service and the right loan product.

Personal loans tailored to you

Anybody interested in taking out small loans will usually ask themselves two questions right at the start. The first one is: How much can I borrow? Cash loans from MoneyMe are offered to individuals who can comfortably afford to repay them. When you apply for any of our easy loans online, we take into account the limit you have applied for, your current living expenses, debt obligations and your income.

We also take a look at your credit history but unlike other credit providers, like your bank, we have created a special in-house credit score which takes into account more than just your current credit status. As a customer of MoneyMe, we assess your credit history with us and adjust your in-house credit score to reflect your trustworthiness and reliability. When you take out same day cash loans with MoneyMe and repay them on time – or earlier, with no early payout fees! – we adjust your credit file with us to reflect your repayment history. This means that customers who consistently make their repayments on time may be rewarded with future credit perks like lower fees and charges, better personal loan interest rates and higher approved credit limits.

If you are somebody who has a less than stellar credit history, or you are a young person with very little credit history, you can initially build up your score with MoneyMe’s small personal loans and work up to larger unsecured personal loans like car loans. Our easy loans are tailored to suit every individual to ensure that you are getting the best credit for your circumstances and for whatever you need.

Know your ideal rate

The second question you are probably going to ask yourself is: What kind of interest rate will I be offered on my small personal loan? Interest rates will vary between products and sometimes between applicants. High-risk applicants are usually offered a higher interest rate to offset the risk of extending credit to them. You can use our personal loan repayment calculator to get a preview of your expected fortnightly or monthly repayment amount using a range of likely interest rates. Our personal loan calculator can also show you the difference in interest payable between short term loans and long term loans.

Unsecured loans taken over a shorter term will mean paying slightly less in interest than personal loans taken over a longer loan term. Interest payable is given as a percentage of your loan amount per annum and applied to your loan repayment monthly. The fewer the months you are repaying your loan over, the lower the overall interest you eventually pay. However, choosing cash loans over shorter periods of time will translate into higher monthly repayment amounts, leaving you with pros and cons to consider for both options.

Small personal loans are designed to offer you funds that are debited fully and directly to your bank account. In the case of boat loans, you would then pass that money onto the person or company you were purchasing your boat from. For student loans, you pass that money on to your educational institution. And in the case of rent assistance and bond loans, you pass it on to your landlord or real estate.

Once the money is spent, it’s gone. You repay the amount over the repayment schedule you have agreed to when you accepted the loan offer, but the loan amount cannot be redrawn. A small personal loan like this might be exactly the type of credit you’re looking for but for some cases, you might be needing a more flexible credit option.

The all-new pay-later solution

Our Freestyle Virtual Credit Account works like a credit card but lets you do so much more – it lives in your smartphone rather than your wallet. With features similar to a virtual credit card, you can use it to shop in-store or online, and transfer money straight to your bank or to anyone. Freestyle is powered by Mastercard, which means you can use it to enjoy easy, cashless payments for your everyday purchases.

A credit card, unlike small personal loans, is a revolving line of credit. This means that when the credit balance is repaid, that balance becomes available again for you to spend. For example, if your virtual credit account has a credit limit of $5,000 then you have $5,000 to spend immediately. When you have spent $2,500 but repaid $750 of that amount then you have $3,250 to spend again.

Personal loans Australia offer you a lump sum amount upfront that you use and then repay. You cannot redraw on small personal loans. If you wish to refinance or borrow some more money, you need to go through the express loans or same day loans application process all over again. With a line of credit, you are already pre-approved up to your initial amount so you can draw a quick cash advance from your credit card balance whenever you need extra money between your pay cycles.

Alternatively, you can use your Freestyle account to cover your monthly living expenses. We align your repayments with your current pay cycle, so all you’ll experience are easy repayments with paid credits available to use again. This is particularly useful for a Freestyle account because we offer eligible customers up to 55 days interest-free on all purchases. When you repay your credit balance within the 55-day period, then you pay no interest at all on the money you used. You have the freedom to draw mini loans from your own pre-approved credit line and pay no interest on that money at all when it’s repaid in time.

MoneyMe loans for everyday needs

You may opt for a travel loan from MoneyMe to access same day cash loans to pay for your entire holiday upfront and then repay over time. Freestyle means flexible and adaptable. We’ve specifically created it to provide a fast and innovative financial solution for Gen Now.

With MoneyMe, you can apply online anytime if you are looking for small personal loans like quick cash loans online or renovation loans to cover the costs of improvement and repairs of your home. Use our loans to pay for important life events like student loans for your education, a wedding loan to make your big day even more special or a car loan to purchase your dream vehicle. Whether you need quick loans to tide you over between paydays or when you simply want to have a little extra cash in hand – we can help.

Choose MoneyMe for fast approvals on small personal loans. Start your application online and complete and submit it within just a few minutes. Get the funds you need right now with MoneyMe.

Can I get a small personal loan with bad credit?

If you have bad credit, you may find it hard to apply for small personal loans with traditional lenders or financial institutions. At MoneyMe, you can still apply and receive an answer in minutes. However, we do not guarantee 100% approval for small personal loans with bad credit.

Our aim at MoneyMe is to provide a fair and comprehensive service for small personal loans. Thus, we consider many factors to provide a loan decision that is suitable for your situation. In addition to considering your credit score, MoneyMe also takes into account your income, debts obligation, and daily living expenses to make an informed lending decision.

If your credit report is not as good as you would like it to be, there is no reason to worry too much about it. MoneyMe understands that your credit history does not provide us with an overall picture of your financial situation. 

Poor credit will likely mean that you will have to pay more for the loan you are applying for. The situation is especially true for low credit score personal loans that are unsecured and have fixed high-interest rates.

MoneyMe wants you to feel comfortable and confident about your monthly repayments as a responsible lender. We also have systems in place that allow you to improve and grow your credit rating. One example is once you have successfully repaid a loan with MoneyMe, we update your MoneyMe credit rating and may be able to offer you a lower rate and fees on your future loans with us.

How to qualify for a small personal loan?

MoneyMe makes it simple to get fast, small personal loans. To qualify for small loans Australia, you need to be an Australian citizen or permanent resident over 18.

The application process for our small personal loans is fast and hassle-free. No paperwork or phone calls are needed. We only ask for read-only access to your banking records to expedite your online application. 

When it comes to your small personal loans or small finance loans, we need you to know how much you wish to borrow. Whether you are looking for cash loans Gold Coast or low-rate credit cards, MoneyMe can help you determine what credit options are best for you.

Before choosing a lender, however, we strongly recommend doing a quick personal loans comparison. This allows you to compare different bank loans’ interest rates and other fees and charges in your small personal loans.

MoneyMe offers competitive and low-interest rates for personal loans based on your credit history, and we don’t charge unnecessary fees. We want you to have a comfortable experience with the repayment process for your small personal loan and systems that benefit your credit. 

If you are already a MoneyMe customer with a good repayment history, you might be able to access personal loans with better rates and value the next time you apply. It’s great news for those looking for low credit score easy loans.

Is it easy to get a small personal loan?

MoneyMe is an Australian finance provider that offers small personal loans without the paperwork, long wait times, or hidden charges. We strive to change the way people access personal loans with our completely online platform.

Getting small personal loans with MoneyMe is a breeze compared to online banking loans with our three-step process:

  • Choose the amount and repayment period of your small personal loans.
  • Provide your personal and bank account information, along with a valid email address and mobile number.
  • Instantly receive a decision. After you approve the terms and conditions, the funds will be transferred into your bank account within minutes.

You can apply through our website or the MoneyMe app available on the App Store and Google Play. We offer a completely online application process, which can be completed in minutes without any lengthy paperwork or face-to-face meetings! You can choose from a wide range of financing options with competitive interest rates and low fees.

Other credit options and personal lending services are also available on our website, such as our short term loans Perth and business payment plans for retailers. At MoneyMe, all our customers have access to affordable and simple finance. Don’t forget to visit our website today so you can check out what we have for you.

How much is a small personal loan?

You can use the personal loan calculator on our online platform to determine the amount of small personal loans you can borrow. It will give you a rough estimate of how much your monthly repayments will be based on your loan terms.

For existing lenders, you can simply check your MoneyMe app to see the remaining loan balance you have to pay as well as the schedule for your next repayment. Our app allows you to seamlessly transfer funds whenever you receive income or extra cash towards your loan repayment.

At MoneyMe, repayments for your small personal loans are set up to be easy. When you apply for small personal loans online with us, we set you up with a customised direct debit schedule aligned with your pay cycle. 

This means that we collect money from your bank account every month to repay your loan. Be sure to have enough funds to repay your monthly payment as there may be consequences or fees for late payments.

How to get a small personal loan with fair credit?

If you need to borrow a small loan, you can get small repayment loans from MoneyMe. You can apply through our website or the MoneyMe app (available on the App Store and Google Play). 

Our application and assessment process for small personal loans is online and completed within minutes. With the right information, we can approve your loan online and have it in your bank account within the same day—no more bank trips and waiting weeks for your fast loans Australia to be approved.

We can offer low fees and a competitive interest rate for personal loans with your fair credit score. We also provide various means to cover costs and bills with our rapid loan options and other financial services such as bond loans and spot cash loans.

Where to get a small personal loan?

If you are interested in getting small personal loans with MoneyMe, you can easily apply for one. 

We specialise in providing easy and fast credit products. We use state-of-the-art technology to offer you a seamless online loan application process. To begin borrowing from us, you can visit our website or download our mobile app. 

To be eligible for small personal loans, you must be working, a permanent Australian resident, and 18 years or older. The application process for small personal loans requires just a few details about your banking and personal information. 

You could receive your loan funds in your bank account within 60 minutes or less (in some cases, the funds could be received instantly). If you submit an application after business hours, you will likely have to wait longer.

What are you waiting for? Apply for a personal loan today and receive a decision within minutes.

Ready to get
started?

Low interest rates and money in your bank account within 60 minutes

A feature-packed virtual card, ready to use instantly on approval

Simplify your debts into one low monthly repayment

What do repayments look like?


Lucy, 38

6.25% 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.


Our customers LOVE us

Small loans

Unbelievably easy finance when I needed it the most. A huge thank you from me and as a returning customer I know that I am getting a fair deal.

After 5 to 10 minutes of filling up my application, my loan has been approved and the money was in my bank account. I had a great experience that is why I'm giving them a 5-star rating. Excellent service. Thank you very much, MoneyMe.

Amazing through and through. MoneyMe helped me out when no one else would and they have been a delight to deal with. I 100% recommend their service. They're an absolute joy to deal with!

4.7/5

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Small Personal Loans

A MoneyMe small personal loan can make it easy for you to take care of your finances when unforeseen events happen. This is because we have made the process as easy as possible, including the ability to apply online with no paperwork. This means that you will have no problems if you’re on an overseas trip, and you realise that two weeks in New York city would be better than one. We’ve also got you covered if your in-laws from overseas suddenly decide to extend their holiday at your house, and you need to quickly get some new furniture for the spare room. If you’re an adult with a steady income and the ability to make regular repayments, then you should consider a small personal loan from MoneyMe to get you out of any tricky situation.

The Process

MoneyMe makes applying for a loan as easy and as quick as possible. All you need is your bank details so we know where to deposit the funds, a mobile phone number, and a valid email address. The online application can take as little as three minutes, and after assessing your application, you can have access to your money in a matter of minutes, depending on your financial institution. You can also apply for a loan at any time, even on the weekends.

Competitive Rates

MoneyMe may be a digital lender, but rest assured, our friendly staff are on hand to assist you with whatever queries you might have during any step of the process – including asking about our competitive rates. By choosing MoneyMe for your small personal loan, you can enjoy competitive rates, made even cheaper if you have a good credit history with MoneyMe.

Ready to get
started?

Low interest rates and money in your bank account within 60 minutes

A feature-packed virtual card, ready to use instantly on approval

Simplify your debts into one low monthly repayment

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