The smarter, faster
way to borrow

Small Personal Loans


The new type of credit card

  • Credit limit up to $10,000
  • Tap n Pay or shop online interest-free
  • Withdraw to your bank
  • Easy fortnightly or monthly repayments

Personal loan

For the bigger things in life

  • From $2,100 to $50,000
  • Straight to your bank fast
  • Easy fortnightly or monthly repayments

Why choose


Completely online

No fuss, no paperwork.
Get up to $50,000
in minutes


Quick decision

Complete our 3 minute application process to
get an outcome fast


Competitive rates

Fairer rates tailored
to your credit profile
and history


Fixed repayments

Self-manage your
repayments from within
your MoneyMe account


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.

Things to know
about our costs

We believe in transparency and fair costs, with no hidden fees


Tailored rates

We look at more than just your credit score to give you a fairer, cheaper credit offer


Upfront and honest

We're transparent about our costs, with no hidden fees or charges


We're here for you

Our team is available to help 7 days a week

What our customers say

Small Personal Loans


70 reviews

1 review


Quick and easy.


1 review


Fast and convenient service for a quick loan!


1 review


I was very happy with how professional MoneyMe was. They had the ability to help me with a tailored loan application.


1 review


Good and easy service.


1 review






of customers
would recommend
MoneyMe to a friend

Ready to get started?

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.

Learn more

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 instant 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.