Get a low rate personal loan today

Cheaper Rates

Rates starting lower
than the big 4 banks

for an unsecured personal loan

Fast & Easy Application

Fast & easy
online application

Money on same day

Money can be in your
account same-day

applied before 5pm (Sydney time)

Flexible payments

Flexible repayments
with no early exit fees

Loans for moving
Loans for moving
Loans for new family members
Loans for new family members
Loans for renos
Loans for renos
Loans for cars
Loans for renos

Our awesome low rates
vs the big 4 banks


This comparison rate is based on an unsecured 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: 30/07/2021

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Simple, online application process

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No-obligation personalised offer

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Fast same-day assessment

Funds transferred immediately after approvalNew Payments Platform

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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 $2,100 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.

MoneyMe Products

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.

What our customers say


Out of 2,701 reviews

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

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.

Learn more

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 our customers say


Out of 2,701 reviews

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