Showing results for

Unsecured Personal Loans

Personal loans for

Competitive low rates from just 9.20% p.a. (comparison rate from 10.58% p.a.*)
Money can be in your account same-day.

2 *This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is 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. $495 establishment fee and $10 monthly fee applies. Comparison as of: 13/07/2023

Award winning lender

Winner of Canstar's Innovation
Excellence Award 2022*

Estimate your

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.

Awesome low
interest rates

We bet you'll be happy with our low rates.

Applying is a
piece of cake

Download the app
  • 1

    Easy online application with an outcome in as little as 60 minutes

  • 2

    Once approved, we’ll transfer money to your bank account in seconds

  • 3

    Download our app to manage your account and repayments with ease

Download the app

Ready to get

What is an unsecured personal loan?

An unsecured personal loan is a loan that doesn’t require security such as property or a car to se-cure the loan. The lender instead provides the personal loan based on a borrower’s ability to repay. MoneyMe’s unsecured personal loans range between $5,000 and $50,000. Repayment terms are flexible, and range between 1 and 3 years.

Can I get an unsecured personal loan?

You may be eligible for an unsecured personal loan with MoneyMe if:

  1. You are over 18 years of age
  2. You are employed and receiving regular income
  3. You are an Australian resident
  4. You have a good credit history

To find out if you can get an unsecured personal loan, visit MoneyMe and click on apply.

Unsecured Personal Loans

An unsecured personal loan with MoneyMe can be a great way to access funds quickly and conveniently, for those times when life throws you a curve ball. You may be in a good financial situation, with a regular income and a savings account you contribute to regularly for a rainy day. However, it’s impossible to always foresee every one of life’s unexpected sticky situations, such as when your car decides to break down and the cost of repairs is greater than anticipated, or your furry friend gets sick and the vet bills are enough to bring a tear to your eye.

Lower-Hassle Lending

When unexpected situations arise, the last thing you will want to do is fill in reams of paperwork, or wait days on end for approval. When convenience and a fast application process are your top priorities, MoneyMe’s unsecured personal loans are the perfect choice. Choosing an unsecured loan means that you don’t have to worry about putting up your house or car as collateral and the loan can be used for almost anything including paying for a rental bond or growing a business. There is far less paperwork to deal with than a traditional personal loan, and the application process is much faster.

How The Loan Works

The beauty of MoneyMe is in its simplicity. The application is done online, and usually takes less than five minutes to complete. This means you can easily apply for your loan from anywhere in the world if you have an Internet connection. MoneyMe then uses safe and fast Proviso technology to securely access your recent bank statements and ensure you can pay back the loan comfortably – simple.

Back to Living

Once you are approved, your money will be in your bank account in as little as a few minutes. MoneyMe then works with you to set up direct debits around your income cycle, so your repayments can stay on track. With the convenience of an unsecured personal loan from MoneyMe, you can get on top of any curve ball that life may throw your way, and quickly return to living your way.

Our customers

Unsecured Personal Loans

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

View more

Unsecured Personal Loans up to $50,000 Approved Online

A modern-day cash solution

Get approved for unsecured personal loans of up to $50,000 right now. We are the next generation in money lending offering customers competitive rates across our entire suite of loans and credit products with fast online approvals. Our application process is entirely online and takes just 3 minutes to complete. No paperwork and frequent phone calls required. Just quick loans at great personal loan interest rates available anytime, anywhere.

Flexible credit tailored to you

Credit funds from personal loans come in all shapes and sizes, and an unsecured personal loan is just one type of loan that money lenders like MoneyMe offers. We provide customers with unsecured personal loans of up to $50,000 which you can use to help you make an fast purchase and cover for the things you need right now.

Choose from short term loans like a cash advance or express loans to help you get through while still waiting for your next paycheck, a wedding loan to help you finance big life events, or a student loan to assist you with education costs.

You may also opt for a revolving line of credit with our Freestyle Virtual Credit Account that gives you fast access to cash anytime. With the option to repay immediately or over regular instalments, it works like a virtual credit card that provides an ultimately flexible way to ensure that you are always covered for life’s expenses, no matter how big or small they are. Use it to Tap n Pay, shop online or transfer money straight to your bank account and more! It’s completely yours to use for purchasing a new gadget, getting a great deal on a flight, refurnishing the house or for covering utility bills and registration costs. We’ve essentially built Freestyle to cover your everyday on-the-go transactions.

Unsecured personal loans

Our unsecured personal loans are tailored to our customers’ personal circumstances. As a responsible lender with an Australian Credit Licence, we pride ourselves on offering competitive same day loans to everyone looking for same day cash loans and fast approvals. If you are still trying to improve your credit history or have no credit file available just yet, we’re here to help.

Here at MoneyMe, we look beyond your credit scores. Apart from your personal and employment information, we take into account other various factors to make sure we come up with rates that are fair and tailored to your needs. Using our proprietary loan management platform, we conduct real-time assessments of thousands of financial and social data points to give you fast results on your application for short term loans, small loans or mini loans.

With the help of the new comprehensive credit report, we are able to finally reward you for your past positive payment behaviours for unsecured personal loans. If you make repayments on time, your credit score gets stronger and stronger, which means you may get access to lower interest rates with better value with us.

If you have trouble paying back your credit, speak to us! Let us know as early as possible so we may be able to offer some assistance after assessing your financial situation. The more we know about how you operate as a credit customer, the more we can help you get on track with your finances and stay there.

Secured vs. unsecured personal loan

Unsecured loans are personal loans Australia which offer funds to a credit customer in a lump sum payment debited directly to their bank account in the form of quick cash. They are not secured against any assets, which means you don’t have to offer your house, car or other incidental assets as collaterals when you’re applying for one.

A secured loan is lent to a customer against the value of the property they own. For example, if you apply and get approved for cash loans that you borrowed against the value of your car, then you may not sell that car until the loan term has ended. This helps the lender to secure their credit risk against the threat of a default from the credit customer. If you are unable to repay your loan for whatever reason, then the lender is in a position to reclaim the asset you have borrowed your loan amount against and reclaim some of their lost earnings by selling it. The most common forms of secured personal loans are car loans which are directly offered to the customer against the value of their new car.

Unsecured personal loans are a lot more flexible. These types of loans are offered to individuals for all types of purchases including renovation loans for financing improvements on the house or a travel loan for booking your next holiday or extended trip. You may also take out a bond loan to help cover the upfront costs associated with moving home, rent assistance for a bit of help between pay cycles so you don’t fall behind on important living expenses, and other urgent matters like emergency repairs for your car or home.

What is your ideal loan rate?

If you’re considering an unsecured personal loan, then the first thing you are likely to ask yourself is: “How much can I borrow?” Good thing, you can use a personal loan calculator to help you figure this out and get a preview of what your prospective credit provider is likely to offer you after making a successful application. All you have to do is select how much you need, for how long, and a short bit of your credit history to get an estimate of your interest rate. Once you have provided all these basic information, you’ll get calculations of your expected repayments for easy loans on-the-spot!

Your personal loan repayment calculator will also give you an indication of what kind of interest you are likely to pay over the loan term. This breaks down your indicative interest rate and lets you see how long it will take to repay the principal amount after the interest has been paid. For customers with a good credit history, you can expect a low interest on your unsecured personal loan when compared with customers who only have a fair credit score or no credit score at all. The less risk a credit customer poses to a lender, the lower the rate of interest they are likely to be charged on small personal loans as well as larger unsecured personal loans for big-ticket purchases.

How to get an unsecured personal loan

MoneyMe believes in responsible lending. To qualify for our loan application, you must be at least 18 years old, a permanent resident of Australia and currently employed. Complete your online application for fast loans in just a matter of minutes. To fast track your application, we verify your identity and online bank details using a trusted and secure portal. And if you have submitted sufficient documents, we may not even need to call you about your application at all! We have designed our application process to be quick and easy, using the best that technology has to offer and ensuring a low doc experience for all of our customers.

Apply now

Whether you’re interested in applying for our unsecured personal loans or our line of credit, we guarantee you fast access to cash for any of life’s expenses whenever you need it. Apply online, get an outcome fast and depending on who you bank with, your money hits your bank account in as little as 60 seconds. Access to credit products, made easy.

What is a secured personal loan vs an unsecured one?

A secured personal loan is connected to a piece of collateral, something valuable like a car or a home. With a secured personal loan, loan companies can repossess the collateral when you don’t repay the loan as you have agreed to. Common examples of secured personal loans are car loans and mortgages.

On the other hand, bank loan unsecured is not protected by any collateral. If you default on the loan, the lender cannot automatically take your property. Some examples of unsecured personal loans are credit cards and student loans.

Each type of loan has its pros and cons. Secured loans tend to be easier to find as they have less risk to the borrower. For example, if you don't have an amazing credit history, lenders will most likely consider you for secured personal loans rather than unsecured personal loans. However, there is always the risk of losing the property or automobile you purchased if you fail to repay secured personal loans.

Whether you’re looking to take out a car loan to finance your new automobile or a personal travel loan to fund that dream getaway, you can take advantage of MoneyMe’s quick and simple online services. We’ve made it easy for you to apply for secured or unsecured personal loans because we use technologically advanced systems. You can even receive instant credit card approval in minutes.

Where can I get an unsecured personal loan?

Are you interested in renovating your home, such as a kitchen upgrade, but need a bit of cash? Borrowing money you need does not need to be difficult. At MoneyMe, we offer loans of up to $50,000 that are fast, secure, and easy to apply for online. 

Our loans can be used for a wide range of purposes, whether you need them to take advantage of a good plane ticket deal or to pay your electricity bill. If you borrow from us, you can focus on other more important things, making life less stressful.

With MoneyMe, you can get unsecured personal loans quickly and easily. No need for lengthy paperwork or unnecessary phone calls with a sales representative. We can get you the loan you need without any personal loan brokers or banks. We only require read-only access to your bank records and credit report to expedite your online application. 

When you apply with us, repayments are also simple and scheduled in advance. As we value transparency, transaction fees are not hidden. Repayments are also tailored to your pay cycle. You can opt to pay monthly or fortnightly if you please. You can check your remaining loan balance and make early repayments using our MoneyMe app.

At MoneyMe, we care about the customer experience and have the expertise necessary to lend the money you need responsibly. Visit our site today to learn more about our credit products.

Can you get an unsecured personal loan?

MoneyMe helps you apply for unsecured personal loans if you need one. We offer fast and easy credit products to tech-savvy customers and businesses. As a digital financial services company, you can expect a seamless online experience for all your credit needs. Visit our website or download the MoneyMe app on the Play Store or App Store to see how we can help you today.

To get unsecured personal loans, you need to meet the criteria for loan eligibility. You must be an employed permanent resident in Australia who is 18 years or older. We are a company dedicated to responsible lending; you can be assured that we will not loan you amounts that you cannot comfortably repay.

Applying for our no paperwork loans requires you to provide personal and bank details to move the process quickly. Your private loan could be in your bank account within just 60 minutes or less when you apply with us.

What are you waiting for? Fill out our simple three-minute loan application today and get your quick cash loans.

Can I get an unsecured personal loan?

Our MoneyMe app is available on the App Store and Google Play, and you can apply for an unsecured loan through our website or app. We are unlike other private money lenders because our application and assessment processes are completely online. As your loan is approved within minutes, you won’t have to visit the bank or lending company. 

MoneyMe is dedicated to eliminating paperwork and unnecessary interactions, and with our low fees and competitive interest rates (variable), you’ll always be in good hands. Besides lending options, we also offer other financial services, such as the best credit cards and business finances solutions for retailers. Find out more today by visiting our site. 

How to get an unsecured personal loan with not-so-great credit?

People with less-than-ideal credit may have difficulty getting unsecured personal loans. MoneyMe allows you to apply for low rate personal loans quickly and efficiently with our online platform, though we cannot guarantee 100% approval.

MoneyMe provides fair and competitive services. Rather than simply looking at your credit score, we consider other factors when determining your loan eligibility, such as your income, debts, and living expenses. 

You can rest assured that MoneyMe can offer you loan options even if your credit report isn't perfect. Unlike other expensive lenders, MoneyMe understands that your credit history does not reflect your current financial situation.

With unsecured personal loans Brisbane or anywhere in Australia from us, you still have the opportunity to improve and build your credit score. You can choose from a variety of comfortable repayment schedules. We consider your previous loan history if you have used our service previously. We can update your MoneyMe credit rating once you’ve successfully repaid your loan, enabling you to access lower rates on future advances from our platform.

Where to get an unsecured personal loan?

We at MoneyMe believe that we provide the best unsecured personal loans. MoneyMe is a responsible money lender, and we hold an Australian Consumer Credit Licence. Online personal loans up to $50,000 with competitive comparison rates and interest rates are available from us with no asset security required.

Take advantage of competitive rates, regular repayments at a variable amount, and flexible repayment terms, including no exit fees for early repayment. When it comes to unsecured personal loans, MoneyMe offers the following benefits:

  • The lowest unsecured loan interest rate loans starting lower than the big four banks
  • A fast and easy online application process
  • Funds loaned can be in your savings account within the same day (for applications before 5 pm Sydney time)
  • Flexible repayment schemes with no early exit charges

Are personal loans unsecured?

Personal loans are unsecured loans because collateral is not required. A borrower’s credit score is usually a factor in determining the terms of these loans, including approval and receipt. Borrowers with high credit scores are more likely to be approved for unsecured loans.

If you need an unsecured personal loan, trust us at MoneyMe. Tech-savvy customers and businesses can get fast, easy credit products (like our credit cards with no annual fee) through our digital financial services company. Utilising our advanced technology, we can provide you with a seamless online experience done in minutes with your mobile phone.

When you apply for unsecured personal loans, we ask for details and quickly get things started. Your unsecured personal loan could be in your bank account within just 60 minutes or less.

What banks do unsecured personal loans?

MoneyMe is one of the many private money lenders that offer unsecured personal loans, and we believe that we provide the best online loan service. You may be able to get the money you borrowed the same day when you apply through MoneyMe’s secure online platform. Here are some of the features that set us apart from other loan companies:

  • Rates starting lower than the big four banks. Generally, the most important factor to consider when comparing travel loan offers is the interest rate. The lower your interest rate is, the less the loan will cost you over time.
  • Little to no fees. While some lenders charge an early exit fee, we don’t. We also allow a flexible repayment scheme, allowing you to pay comfortably and responsibly.
  • Positive reviews. Visit our website to see the people we’ve lent to and what they say about our effective service. 
  • Fast and easy online application. As we only use cutting-edge AI-based technology to determine your loan eligibility, you can receive an answer regarding your travel loan application within minutes.

What is the interest rate on an unsecured personal loan?

There is variable interest rates that apply to different credit products. For example, variable interest rates are more prevalent on credit cards as the purchases are more varied. 

MoneyMe offers competitive unsecured personal loan rates as we are an online lender. Your personal loan interest rates depend on your credit score and other financial histories. Apply with us today to see how we can help you financially.

Are unsecured personal loans good?

You may be able to benefit from taking out an unsecured personal loan, depending on your financial situation and other factors. Since you receive the money in one lump sum and repay it over a couple of months, it can be a convenient way to get an additional budget for whatever you need.

MoneyMe values responsible lending, so we do not lend money to borrowers who cannot comfortably repay it. To find out if taking out an unsecured loan is a good idea for you, check out our personal loan calculators. 

We recommend requesting an unsecured personal loan if your income can comfortably cover your expenses (bills, other debts, mortgage payments) with the monthly loan repayments indicated on our calculator. Then you can use the cash for a passion project or finance an appliance purchase.

You can apply online for an unsecured personal loan that requires no paperwork using the latest and most secure technology at MoneyMe. To start your lending journey with us, visit our website and fill out the application form.

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

Personal Loans are running hot!

55 people in the last 24 hours have applied

Freestyle is running hot!

55 people in the last 24 hours have applied

Debt Consolidation is running hot!

55 people in the last 24 hours have applied