Why choose MoneyMe?

What can you expect

What do repayments look like?


Lucy, 38

8.99% 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.


Things you should know

For an unsecured personal loan of:



Medium Loan From $2,100 to $3,000

Repayment period:

• Minimum 12 months    • Maximum 24 months

Based on an unsecured loan of $2,500 over 2 years:

  • Minimum interest rate of 8.99% p.a. (16.78% p.a. comparison rate*). The total repayment is $2,960.07, which includes $2,500 principal, $200 establishment fee and $260.07 interest.

  • Maximum interest rate of 29.99% p.a. (38.50% p.a. comparison rate*). The total repayment is $3,622.82, which includes $2,500 principal, $200 establishment fee and $922.82 interest.

*Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.

Personal Loan From $3,001 to $50,000

Repayment period:

• Minimum 12 months    • Maximum 60 months

Based on an unsecured loan of $30,000 over 5 years:

  • Minimum interest rate of 8.99% p.a. (10.68% comparison rate*). The total repayment is $38,850.56, which includes $30,000 principal, $1,200 establishment fee and $7,650.56 interest.

  • Maximum interest rate of 19.25% p.a. (21.12% p.a. comparison rate*). The total repayment is $48,818.59, which includes $30,000 principal, $1,200 establishment fee and $17,618.59 interest.

*Warning: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates.

View our products

Up to $50,000

Money in your bank in as little as 60 minutes

Online quick application

Simple repayments and costs nothing to repay early

Low rates tailored to your profile


Up to $20,000

Low rate 16.99% p.a. & $250 back*

  • Up to 55 days interest-free
  • Fast approval in minutes
  • Add to mobile wallet to use instantly
  • Transfer credit to your bank or pay anyone

*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only.
View full T&C’s here.

What is an unsecured car loan?

A MoneyMe unsecured car loan is a loan that covers expenses related to buying a car, but which doesn’t use the car as collateral for the loan. Unlike a secured car loan, MoneyMe unsecured car loans don’t paperwork. They are applied for and approved online, and cash can be in your account within minutes.

Get on the Road – Fast

If you want a car and need to borrow money, MoneyMe can get you on the road fast with an unsecured car loan. Whether you’ve decided public transport just won’t cut it anymore, need an upgrade to fit new additions to the family, or your kids have started to drive, we are here to help. Our unsecured car loan application is fast and easy, and money can be in your bank within minutes, depending on who you bank with.

Choosing the Right Car for You

Buying a car isn’t an impulse decision. It takes time and planning to find the best deal. But sometimes when you find a great deal, you need to act quickly. This is where a MoneyMe unsecured car loan can come in handy. Because MoneyMe offers quick and easy online loans without any paperwork, you’ll be able to jump on any great car deals as soon as you see them. No missing out!


Getting a Loan

MoneyMe’s rapid application process can be completed in a matter of minutes, and approved applicants will receive their funds within the hour (depending on your financial institution). If you need a loan to cover expenses related to buying a car, our unsecured car loans can provide you with up to $50,000 fast. Our flexible repayment options will take any stress out of your purchase, and if you choose to repay your loan earlier, you can do so at no extra fee. Simply apply online, or give us a call to speak with one of our friendly staff members. Then get behind your new wheels, and start driving!




View our products

Up to $50,000

Money in your bank in as little as 60 minutes

Online quick application

Simple repayments and costs nothing to repay early

Low rates tailored to your profile


Up to $20,000

Low rate 16.99% p.a. & $250 back*

  • Up to 55 days interest-free
  • Fast approval in minutes
  • Add to mobile wallet to use instantly
  • Transfer credit to your bank or pay anyone

*$250 is credited back to your account when you spend a minimum AUD$1,000 on purchases using your Freestyle Virtual Mastercard®. Eligible for applications made from 01/09/2020 for a limited time only.
View full T&C’s here.

Unsecured Car Loans up to $50,000 | MoneyMe

Easy and straightforward online loans

MoneyMe’s unsecured car loan is designed to help you get on the road in a new set of wheels faster. We offer our customers loans available for fast online approvals and quick cash transfers for balances up to $50,000. We are the go-to money lender of Gen Now in Australia offering individuals access to unsecured personal loans, like our unsecured car loans and boat loans online. We are the no-fuss, no-hassle and fast alternative to regular credit providers. Approvals are quick and painless, and the money is available in as little as 60 seconds once you sign your digital contract.

Learn more

Easy and straightforward online loans

MoneyMe’s unsecured car loan is designed to help you get on the road in a new set of wheels faster. We offer our customers loans available for fast online approvals and quick cash transfers for balances up to $50,000. We are the go-to money lender of Gen Now in Australia offering individuals access to unsecured personal loans, like our unsecured car loans and boat loans online. We are the no-fuss, no-hassle and fast alternative to regular credit providers. Approvals are quick and painless, and the money is available in as little as 60 seconds once you sign your digital contract.

What is an unsecured car loan?

Unsecured car loans are car finance options which are designed to cover the upfront cost of purchasing a new or used car. A secured car loan is offered to applicants on the understanding that the loan amount is secured to the new asset that they now own. Secured loans mean the loan provider can sell your new car if you default on the loan so that the money lender can recoup any money lost. An unsecured loan is not secured to the item that you purchase with the loan funds. We offer unsecured cash loans of up to $35,000 online and fast. 

Use an online loan calculator

If you are interested in getting unsecured car loans, you can check whether our short term loans are really for you using our personal loan calculator. These kinds of tools are used to help you answer: how much can I borrow? Using our personal loan repayment calculator, you can get an idea of what your likely interest rates and your desired loan term will mean in monthly repayments. This helps you work out ahead of your loan application and learn how repayments may affect your cash flow. 

Do you want to save money on your unsecured car loan? When you use our online calculator, you can adjust it to reflect the likely personal loan interest rates you would be charged on our unsecured car loans to work out what the total interest payable is likely to be over the entire loan term. This is a great way of checking how you can chop down the total interest paid by reducing your loan term.

There are pros and cons to every situation and your loan term is a perfect example. By reducing your total amount of months that you repay any of our express loans over, you reduce your total payable interest. However, you also increase your monthly repayment when you reduce the number of months you’re repaying over. Play around with the calculator to find the best option for you and remember that you can always pay out your loan before the loan term expires.

Fair and honest money lending

MoneyMe doesn’t charge customers an early payout fee when they can afford to clear their personal loan balances earlier than the agreed loan term duration. With a positive repayment behaviour and history with us, this may mean that the next cash loan online you apply for will likely be offered at lower rates or fees and charges. 

The total loan term for any of our quick loans will depend on what your current living expenses are like and what the total loan amount is. Common loan terms for unsecured car loans are usually 60 months, but we don’t charge early payout fees for people who can pay out their easy loans from MoneyMe so you can chop down your repayment time to less than your original loan term.

Application and eligibility requirements

To be eligible for any of our same day cash loans you must be at least 18 years old, a resident of Australia and currently employed. If you’re in a good financial position now but have some issues on your credit file, consider our small loans like a quick cash advance loan first. As our customer, you receive a MoneyMe loan rating that applies to all of your future applications with us. For every same day loan repaid on time and reliably, your rating with us increases. What does this mean for new applications for personal loans Australia? It could put you in better stead for larger loan applications.

As a young person without a credit file, you may experience some issues getting approved for quick loan products like a student loan immediately. Getting a loan large enough to cover your total tuition costs, particularly upfront costs, can easily soar into the thousands. Applying for small personal loans first and showing that you are a reliable credit customer can help. Our small loans can be used for things like covering the cost of study materials or helping you pay for things like car repairs, rent assistance or a bond loan for covering costs for moving into a new rental property.

Use Freestyle

MoneyMe’s Freestyle Virtual Credit Account features a line of credit option between $1,000 and $10,000. It works like a virtual credit card where you can redraw your used up balances once you have repaid them. Plus, customers can enjoy up to 55 days of interest-free purchases using the Freestyle credit card.

Don’t need an unsecured car loan but still looking for fast and easy credit options? Our personal loans are offered as renovation loans designed to help you get started on home improvements sooner rather than later, and our travel loans for anyone who wants to book their next adventure upfront and hassle-free.