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Personal Loans Sydney

Personal loans for

Trusted by thousands of Australians

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Award winning lender

Award winning lender

Winner of Canstar's Innovation
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.

Personal Loans Sydney

Get personal loans in Sydney in record time with MoneyMe – Australia’s wholly online lender offering fast applications you can complete and submit in just minutes and even faster approvals. We cover all of Australia including Sydney and surrounds. Whether you’re looking for quick cash loans in the CBD, Parramatta, or Bondi, MoneyMe is ready to help with instant loans at great rates and low fees.

MoneyMe also extends its top-notch services to cities all over Australia, aside from Sydney. For Melbourne dwellers, our personal loans Melbourne service can help you easily apply for a loan to buy a vehicle, travel, or start a business. Because our app makes it easy to send your personal loan application from anywhere, you can avail our personal loans Brisbane, personal loans Perth, and personal loans Adelaide services wherever you are located in the country.

We have worked hard to create a no-bull, no-fuss online application process that works intuitively with you. You don’t need to input your life story or provide reams of paperwork. We don’t call your employers and we probably won’t even need to contact you. Everything we need to fairly and thoroughly assess your application for a personal loan in Sydney is included in our super-fast and low doc application. Apply online today for either express loans or our credit line – the Freestyle Virtual Mastercard® available for balances of up to $20,000.

What do you need to apply for a personal loan in Sydney?

The MoneyMe online application process takes just minutes to complete and is available for all Australians, everywhere. If you’re looking for a personal loan in Sydney, then complete and submit your application from either your desktop or mobile browser. It’s a low doc personal loan process so you don’t need thousands of bits of paper. Instead, we’ll ask you for some standard forms of identification and then request that you input your online banking credentials so we can verify your application details. This is taken care of using illion’s bank-level encryption software and your personal loan broker does not receive access to your account. What we receive is a ready-only (PDF format) 90-day bank statement which shows us what your income is, what your expenses are like, and all at just the click of a button. This is why we can offer our customers same day loans.

Using the power of the internet, you could submit an application for a variable rate personal loan in just minutes. When submitted within our business hours, your approval typically comes within the hour. If you’re happy with the loan offer we have made you, then all you need to do is digitally sign your online loan contract. When we have received everything, we instantly transfer you the new funds you requested. Most customers report receiving the money they need within their normal account within the same day of having applied for it. Fast, painless, and easy finance. That’s what we deliver.

How much can I borrow with a personal loan?

Personal loans Sydney from MoneyMe are available for between $5000 and $50000 which gives you a pretty big spectrum we can help cover for you. Whether you’re looking for a short term loan to get you over a temporary financial hump or some help with upcoming life events like moving to a new rental property, we can help. For anyone looking for a long term personal loan to help cover the costs of things like expensive medical bills, a new car, or even home improvements, we can help with that too. 

We’re you’re one-stop-shop for easy finance and we live completely online so you can apply for everything in your own time and from the comfort of wherever you happen to be. MoneyMe offers fast cash to tech-savvy customers who don’t have time faffing around with lengthy applications or chats over the phone.

Can I increase my personal loan amount?

There is no personal loan redraw facility available with MoneyMe but we do have some other options if you’re interested in ways to refinance a personal loan or even to get a personal loan for debt consolidation. Consolidating your debts is a great way of cleaning up untidy finances and getting small, annoying bills out of the way. You can apply for a new quick loan from MoneyMe which includes the balance of your existing loan with us plus whatever else you need money for. Ensure you use tools like a personal loan repayment calculator to make sure that your new loan amount is affordable before you apply. 

For customers seeking more flexibility with their credit options, we also offer the Freestyle virtual credit card for balances up to $20,000. This works like a credit line with a usable online credit card that lives in your smartphone instead of your wallet. Use it in-store wherever Tap n Pay is accepted as well as for easy online shopping. Purchases made come with up to 55 days interest-free which means that when you repay your used credit balances within that period, you are essentially using an interest free credit card.

If you’re trying to decide between a personal loan vs credit card, then the first thing you should be asking is what do you need the money for? A personal loan Sydney will give you a lump sum cash amount that you can distribute as you need to whereas the Freestyle account is a pre-approved credit balance between $1,000 and $20,000. When you have fully, or even partially, repaid the credit funds you have used from your Freestyle account, they instantly become available to use again. A personal loan doesn’t work the same way. Once you have used the money from your personal loan, whether it’s a quick small loan or a larger balance, you are unable to draw more credit from that loan. 

Freestyle is a great way to access ongoing credit the way you need to. Whether that helps with general expenses between pay cycles or for helping you through tough spots and unexpected expenses like urgent home repairs or an emergency flight. Freestyle offers both flexibility and peace of mind, knowing that you have instant access to a little extra money when you need it. You can even transfer cash amounts to your normal account or another person. 

The application process for both our personal loans in Sydney and the Freestyle account is exactly the same. It takes you just minutes to complete and submit and everything takes place online. Once you have signed your credit contract with us (online, of course) your Freestyle account with your pre-approved balance becomes instantly available. Manage everything from your phone with ease.

How does taking a personal loan affect your credit?

Taking out a personal loan puts a new entry into your credit file. Your credit score is determined by how much credit you already have as well as other factors like the history of previous credit you have taken out. If your history isn’t quite as good as it could have been then that’s OK, we understand. No one’s credit file offers a complete picture of their finances. Fortunately, new changes to what lenders see when they access a credit file mean that we do now get an idea of your last 24 months of credit activity, including what steps you have taken to repair your credit file and get on top of any loose debts. 

A new personal loan will affect your credit score as it changes your affordability for additional credit products. If you’re on top of your finances and you haven’t borrowed more than you can afford to repay then this should be reflected in your file. Repaying credit on time keeps your credit file in good shape for the future.

Ready to apply for a new personal loan in Sydney? Get started now and submit your application within minutes.

Our customers

Personal Loans Sydney

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

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