We aim to lend only what you can afford to repay. We stick to the letter of the law and have some cool technology in place to help us make the right decisions to try to make your life easier, not harder.
We value financial literacy.
We want to help you stay informed by providing you with the tools and information you need to be confident when making financial decisions.
We try not to speak like lawyers. We’re upfront about the cost of our loans, and we’re not here to profit from late fees.
We’re here in good times and bad.
If you run into trouble in making your repayments, we encourage you to let us know. We will always have a look at your circumstances and see what we can do to help.
Up to 55 days interest-free on purchases
Fast approval in minutes
Add to mobile wallet to use instantly once approved
Transfer credit to anyone or your own bank account
Get credit back when you shop via
Available at 1,400+ participating stores
Awesome offers from Nike, Apple,
The Iconic, & many more
Accessible on the MoneyMe app
Up to $20,0005
Up to 55 days6
Apply online in minutes
Money can be in your account same-day
Flexible repayments with no early exit fees
The above comparison rates are based on an unsecured variable personal loan for an amount of $30,000 over 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. Comparison as of 8/12/2020.
The difference between your current annual fee and this new annual fee will be payable on a pro rata basis until the next annual anniversary date of your account being approved.
From the next annual anniversary date of your account being approved, the full new annual fee will be payable.
Note that your annual fee is payable by you in equal instalments over the year on the same days that your repayments are due as specified on your statements of account.
Payable from the next annual anniversary date of your account being approved.
Note that your annual fee is payable by you in equal instalments over the year on the same days that your repayments are due as specified in your statements of account
The method of calculating your minimum repayments will change in respect of any drawings made after the variation to the credit limit is implemented, so that any amount utilised within your credit limit will be spread out over a new agreed term of months.
Your current repayment terms will continue to apply to drawings made before the change to the credit limit is implemented.
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Further information on how to activate MoneyMe Express Visa card will be sent to you with your card. Terms and conditions and fees and charges will apply to your use of the MoneyMe Express Visa card.
MoneyMe Pty Limited ABN 40 163 691 236 acts as authorised representative of Emerchants Payment Solutions Limited ABN 30 131 436 532 AFSL 404131 as distributor of the MoneyMe Express Visa card. Cuscal Limited ABN 95 087 822 455, AFSL 244116 is the issuer of the product. Any advice is general advice that does not take account of your objectives, financial situation or needs, so you should consider whether the product is suitable for you before acquiring or activating it. The product is available only to Australian resident MoneyMe members.
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WARNING: Do you really need a loan today?*
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink. www.humanservices.gov.au/advancepayments
The Australian Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.
*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009
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