(function (w, d, s, l, i) { w[l] = w[l] || []; w[l].push({ 'gtm.start': new Date().getTime(), event: 'gtm.js' }); var f = d.getElementsByTagName(s)[0], j = d.createElement(s), dl = l != 'dataLayer' ? '&l=' + l : ''; j.defer = true; j.src = 'http://web.archive.org./web/20240807085511/https://www.googletagmanager.com/gtm.js?id=' + i + dl; f.parentNode.insertBefore(j, f); })(window, document, 'script', 'dataLayer', 'GTM-P8TPPXF');                    Award-winning loans and credit cards | MONEYME                                     !function(T,l,y){var S=T.location,k="script",D="instrumentationKey",C="ingestionendpoint",I="disableExceptionTracking",E="ai.device.",b="toLowerCase",w="crossOrigin",N="POST",e="appInsightsSDK",t=y.name||"appInsights";(y.name||T[e])&&(T[e]=t);var n=T[t]||function(d){var g=!1,f=!1,m={initialize:!0,queue:[],sv:"5",version:2,config:d};function v(e,t){var n={},a="Browser";return n[E+"id"]=a[b](),n[E+"type"]=a,n["ai.operation.name"]=S&&S.pathname||"_unknown_",n["ai.internal.sdkVersion"]="javascript:snippet_"+(m.sv||m.version),{time:function(){var e=new Date;function t(e){var t=""+e;return 1===t.length&&(t="0"+t),t}return e.getUTCFullYear()+"-"+t(1+e.getUTCMonth())+"-"+t(e.getUTCDate())+"T"+t(e.getUTCHours())+":"+t(e.getUTCMinutes())+":"+t(e.getUTCSeconds())+"."+((e.getUTCMilliseconds()/1e3).toFixed(3)+"").slice(2,5)+"Z"}(),iKey:e,name:"Microsoft.ApplicationInsights."+e.replace(/-/g,"")+"."+t,sampleRate:100,tags:n,data:{baseData:{ver:2}}}}var h=d.url||y.src;if(h){function a(e){var t,n,a,i,r,o,s,c,u,p,l;g=!0,m.queue=[],f||(f=!0,t=h,s=function(){var e={},t=d.connectionString;if(t)for(var n=t.split(";"),a=0;a                Personal      Credit Score

 Your free credit score tool

   Personal loans

 Loans up to $50,000

   Freestyle Credit Card

 A credit card for everyday purchases

   Debt Consolidation

 Consolidate debt into simple repayments

   ListReady for homeowners

 Funds to get your property ready for sale

      Partners     Autopay for Dealers/Brokers

 Same day car finance

   Personal Loans for Brokers

 Same-day approvals and settlements

        Investors   Sustainability   About us   Careers   Contact us   Blog                                                1300 669 059   Login                 Personal      Credit Score

 Your free credit score tool

   Personal loans

 Loans up to $50,000

   Freestyle Credit Card

 A credit card for everyday purchases

   Debt Consolidation

 Consolidate debt into simple repayments

   ListReady for homeowners

 Funds to get your property ready for sale

      Partners     Autopay for Dealers/Brokers

 Same day car finance

   Personal Loans for Brokers

 Same-day approvals and settlements

        Investors   Sustainability   About us   Careers   Contact us   Blog                                Kick your goals   Great rates,  fast approvals. 

          Personal loans   Low rates starting from 6.74% p.a. (comparison rate from  8.13% p.a.*) with money in your bank account in minutes. Learn more. 

     Loan amount  $     Get a quote    Check your rate and repayments  without impacting your credit score            Debt  consolidation          Credit Card          Autopay  car finance          Credit score               Personal loans   Low rates starting from 6.74% p.a. (comparison rate from  8.13% p.a.*) with money in your bank account in minutes. Learn more. 

     Loan amount  $     Get a quote    Check your rate and repayments without impacting your credit score            Debt consolidation          Credit card          Autopay car finance          Credit score            A different kind  of lender       Easy application,  fast approval   We help you fast track your  goals with a  simpler process. 

       Finance that works  for you,  not against you   Flexible options. No early  repayment fees. 

       For people and the  planet   We care about our social and  environmental impact. 

                          Your browser does not support HTML5 video.       Everything you  need in one app   Apply in minutes and manage your account  wherever and whenever you need it. 

                      Choose a lender  with purpose   Our philosophy? Doing good while  doing  business. 

 Explore our impact           Supporting World Vision   We sponsor a child on behalf of every Australian employee. All of these children live in the same community in Uganda, called Busakira. 

        We partner with Canteen to help fund the delivery of vital counselling services and programs. 

 Canteen is an Australian not-for-profit that provides free and tailored support to young people aged 12-25 who are impacted by cancer.

 More info      Mitigating modern slavery We are committed to keep improving our understanding and mitigation of modern slavery risks in our operations and supply chains.

 Read our statement      Renewable energy in our offices Reducing our environmental footprint to support Australia's path to Net Zero.

      Reconciliation action plan We walk with First Nations peoples toward reconciliation.

 Read more       Discounted rates for EVs Making sustainable choices more affordable for our customers.

 Read more                  Win $10,000  to kick your goals  Simply download the MONEYME app and describe your goal in 25 words or less for your chance to win! 

   Learn more    Proud partner             What our customers say  Average rating: 4.6, based on 3400 reviews    MoneyMe Financial Group Pty Ltd https://www.moneyme.com.au/ AUD 1300 090 949 media@moneyme.com.au xx  Level 7, 352 Hunter Street Sydney NSW AU 2000         MONEYME           5    The process was very simple.   And the experience was nothing short of outstanding. 

     Naveen K  Jan 4, 2024            5    Best Service Ever!!!   The team at MONEYME have been amazing to deal with. Super fast and helpful service & I love how easy the app is to use. 10/10 from me. 

      Brie  Nov 17, 2023            5    Very easy process!   Professional and friendly people to deal with. Absolutely great dealing with MONEYME! 

     Zonika S  Dec 21, 2023            5    Easy Peasey!!!   Terrific service and almost too easy, great communication, the timing was prompt and the App very handy.. thank you. 

     Denise  Nov 22, 2023            5    I am delighted with my loan.   The app is fantastic, I like being able to see exactly where I’m at 

     Michelle S  Jan 26, 2024            4    My experience was awesome.   Great customer service and quick and easy response. There were no extra cost and very happy with the rate I received. 

      Sonya  Nov 28, 2023            4    Efficient service.   I have had no problems at all everything was done to my satisfaction at a fast and prompt manner. 

     Diane  Jan 11, 2023            4    Prompt and professional.   Loan was sorted quickly and with little fuss. Will use again in the future. 

     Matt G  Aug 8, 2023            4    Efficient and Great.   Efficient and Great. Fast approval with a reasonable repayment plan. Can’t ask for much more than that. 

     Toddy  Dec 11, 2023            4    Fast, Great rate.   Easy to deal with very comparative I will recommend this company and I will definitely use them again and again and again . 

     Peter K  Dec 11, 2023            4    Super efficient.   Was a stress free application and approval received within hours. Experience was awesome, kept me in the loop when required. 

     Tom  Oct 16, 2023            4    Fantastic!   Was a stress free application and approval received within hours. Experience was awesome, kept me in the loop when required. 💚 

     Renee Y  Jan 18, 2024            5    Very good to deal with you.   It's all about the service that is provided for the customer. Would recommend to others 

     Steve C  Dec 19, 2023            5    Fast, friendly and customer focused!   MONEME were a dream to deal with, super tech, super fast and super easy! I wished I had found them sooner.  

     Andrew  Jan 26, 2024            5    The process was smooth and easy from beginning to end.   I’d gladly recommend 

     NMJ C  Nov 27, 2023            5    Excellent Service and Highly recommended -   MONEYME has been a great help and they assisted me with all my queries. 

     Mary  Dec 27, 2023            5    Money Me has just been fantastic.   No Fuss and easy to apply. No problems at all. Straight forward. They took all the worries and before I knew it had my loan sorted. Just great. 

     Mark  Nov 28, 2023            4    Money Me has just been fantastic.   Easy to do business with. It was a really easy process and I would highly recommend them.  

     Dannielle M  Jan 30, 2024            4    Perfect.   Done an amazing job, very quick and very reliable. I would recommend MONEYME to everyone. Thank you 

     Billy  Nov 30, 2023            4    Very good to deal with you.   It's all about the service that is provided for the customer. Would recommend to others 

     Steve C  Dec 19, 2023                Ready to  kick your goals?         Personal loans For bigger purchases

        Debt consolidation For simplifying your debts

        Credit card For everyday spending

        Autopay car finance Car loans via dealers and brokers

          Autopay car finance Car loans via dealers and brokers

        Credit score Check your credit score for free

             Personal Loans  Unlike specific-purpose loans such as home loans or car loans, personal loans can be utilised for a wide range of purposes. Whether you're planning a dream wedding, renovating your home, or consolidating existing debts, personal loans can be a flexible financing solution to meet your needs.

 We offer our customers simple and straight forward low interest personal loans up to $50k. Submit your online loan application in just a few minutes; get a loan decision not long after that and, depending on your loan amount and who your bank account is with, you could receive your funds the same business day. There is no lengthy paperwork to fill out and there is usually no need for any phone calls. Use the MONEYME app to monitor and manage your personal loan, let us know of any changes to your circumstances, and even make extra repayments if you want to. It’s why we are one of Australia’s favourite online lenders. Simple, fast and responsible loans online for every customer. That’s MONEYME.

 If you’re looking to apply for a personal loan or another credit product you may wonder how personal loans in Australia work, what types of loans are available, whether quick cash loans are really as fast as they appear to be, and what kind of information a responsible lender will be looking at. We’ll take you through the details to help you understand how to find the best type of credit product for your needs, compare your loan options, and submit a loan application for online approval. Ready to apply? Explore MONEYME’s range of credit products, including quick personal loans, debt consolidation loans, online car loans, our Freestyle credit card and more.

        Frequently asked questions     What is a personal loan?    When you borrow money from family or a friend, there’s usually a promise that you’ll pay them back. A personal loan from an official lender with an Australian Credit Licence works in much the same way, only the loan amount is usually a bit more, and the promise to repay the loan comes in the form of a loan contract. There are sometimes fees and charges applied to your loan such as an establishment fee for taking out the loan, ongoing account fees, and late payment fees. Personal loans from responsible credit providers like MONEYME are typically straight forward and this information will be clearly stated on your loan contract. You’re also checked during your approval process based on past loans, debts, or services you have taken out which generate something called a credit score.

          What can I use a personal loan for?    Personal loans come in all shapes and sizes, and an unsecured personal loan can be used for almost anything. You might want to take advantage of a great offer on a new boat or need money for an urgent repair or to cover moving costs. Other common personal loans include education, medical loans, holiday loans and renovation loans.

 A personal loan can also be used to consolidate existing debt. Falling behind on loan, credit card or buy-now-pay-later repayments can happen unexpectedly, leading to financial stress. An unsecured personal loan can be used to consolidate multiple debts into a single, more manageable repayment, and often reduce overall interest costs. Life events happen every day and you don’t always have access to extra cash when you need it. Whether you need a same day loan to seize an opportunity or an emergency cash loan to cover an unexpected expense, you could have money in your account in as little as 60 minutes with MONEYME.

          What are the benefits of a personal loan?    Personal loans offer a range of benefits for individuals seeking finance. One of the most significant advantages of personal loans is their flexibility in how you can use the funds. Whether you need to cover medical bills, finance a vacation, or invest in home improvements, a personal loan gives you the freedom to allocate the funds where they're needed most.Compared to high-interest credit cards or payday loans, personal loans often come with more competitive interest rates. This can result in significant savings over the life of the loan, especially for borrowers with strong credit histories. By securing a lower interest rate with a personal loan, you can potentially reduce the total amount you repay and accelerate your path to financial freedom.Personal loans are repaid through regular instalment payments over a set period, making it easier to budget and plan for future expenses. This predictable repayment structure allows you to forecast your financial commitments and ensure you stay on track to meet your repayment obligations.

          What is the difference between a secured and unsecured personal loan?    There is a distinct difference between secured and unsecured personal loans. As the name suggests, secured loans are tied to collateral, which serves as security for the lender in case the borrower defaults on the loan. Mortgages and car loans are common examples of secured loans. These loans may come with lower interest rates and higher borrowing limits due to the reduced risk for the lender. Unsecured personal loans typically offer more flexibility. Since they don’t require collateral, an unsecured personal loan can be used for almost any loan purpose. This includes medical procedures, travel, unexpected expenses, big ticket items and more. You can also opt for an unsecured personal loan when purchasing a car.

          Is it difficult to apply for a personal loan?    In today's digital age, applying for a personal loan has never been easier. Online lenders like MONEYME offer streamlined application processes that can be completed from the comfort of your own home. With minimal paperwork and quick approval times, you can access the funds you need without the hassle of traditional bank loans.

 MONEYME's online platform allows you to submit your application, receive approval, and have funds transferred directly to your bank account in as little as 60 minutes. With flexible terms, competitive interest rates, and a convenient application process, we empower you to take control of your finances and pursue your dreams with confidence.

           Read more FAQs            What factors affect eligibility for a personal loan?    To be eligible for a personal loan in Australia, you typically need to be at least 18 years old and hold Australian citizenship or be a permanent resident. In addition to meeting the lender’s eligibility criteria, there are other factors that impact whether your application will be approved, and what interest rate and loan amount you will be offered.Your personal credit history is often the biggest factor affecting the maximum personal loan amount you will have access to, and what personal loan rates will be offered, but there are other factors which are taken into account too. A lender will also look at your income and living expenses, and your existing debt, to assess whether you can afford to repay the loan. To get a sense of how a loan would affect your current living situation, you can use our personal loan calculator to estimate what the fortnightly or monthly repayments would be.

          What documents are typically required for a loan or credit application?    When applying for a personal loan, you'll typically need to provide various documents to verify your identity, income, employment, and financial stability. Commonly required documents include government-issued identification, proof of income, employment verification, and bank statements.With MONEYME, there’s no paperwork required. Our online application process takes just a few minutes and will ask you about your current employment, living expenses and other debts you have. We will then ask you for secure access to your online banking account. This access is offered as a read-only option. We cannot change or alter your bank account and we cannot view your banking password or pin. Your security is important to us, and we use SSL encryption to keep your details safe, just like your online banking app or website will. Make sure you have your Australian driver’s licence or passport at hand when you apply, as we will need to verify your identity.

          Can I get a personal loan with no credit history?    If you don’t have a credit history, it may be more difficult to apply for a loan, but it is not the only factor lenders look at when reviewing your application. At MONEYME, we look at several aspects to assess your ability to repay the loan, including your credit score, income, employment status, and existing debt. While you can still apply for a loan without a credit history, it’s a good idea to check your credit score and understand the factors that will move it up or down. A higher credit score typically increases your chances of approval and may qualify you for more favourable loan terms, such as a lower interest rate, or a higher loan amount.Your credit score is based on what’s listed on your credit file, including any current or previous credit accounts, your repayment behaviour for credit products and utility bills, and any previous credit enquiries (when you have applied for credit products). You can check your credit score for free in the MONEYME app.

          How do personal loans compare to other forms of borrowing, like credit cards?    For significant expenses like weddings, home improvements, medical procedures, or education, you may need more than just a short-term loan or credit card. A personal loan can help you access funds while also providing the flexibility needed to manage your finances effectively. Compared to a credit card, which is a great option for everyday expenses, a personal loan typically comes with a lower interest rate. A personal loan is repaid in regular installments (often fortnightly or monthly) over a set loan period, which can make it easier to budget whilst repaying the loan.

          What is the difference between a traditional bank and an online lender for personal loans?    Traditional lenders often require extensive paperwork, including bank statements and payslips, making the application process difficult and time-consuming. In contrast, MONEYME’s online application process includes zero paperwork. We leverage smart technology to offer fast approvals and fund transfers, providing our customers with a simple, seamless experience. Whether you're seeking a small personal loan or a larger amount, our streamlined approach means you can apply online without the hassle.

 At MONEYME, we prioritise customer convenience by offering a fast and tech-friendly application and approval experience. Our range of loans and credit products provide flexible options tailored to your needs. Applying for a loan or a credit card takes just a few minutes online or on the MONEYME app. Once a loan application has been approved, we transfer the funds to your bank immediately. This means many of our customers receive their funds in as little as an hour after they have submitted their online application. 

          How much can I borrow with a personal loan?    How much you can borrow for a personal loan will depend on your current financial situation and your credit history. MONEYME offers personal loans up to $50,000. We look at a range of factors when assessing your loan application, to ensure we lend responsibly and offer you the best possible deal.   

          Can I use a personal loan to refinance and consolidate other debts?    Debt consolidation can be a great way to simplify your finances and manage cumbersome debts like high-interest credit cards or multiple buy-now-pay-later accounts. Managing multiple debts can be overwhelming, especially when each comes with its own interest rate and repayment schedule. Personal loans offer an effective solution for consolidating multiple debts into a single, manageable payment. By consolidating debts such as credit card balances, medical bills, or other loans, you can streamline your finances and potentially reduce your overall interest costs.MONEYME offers low-interest personal loans for debt consolidation to help you get back in control. You can opt for making extra repayments or even paying out your personal loans in full, ahead of schedule. There are no early repayment or exit fees, so we won’t sting you for paying back your debt sooner.

             Close      *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. 

          MONEYME acknowledges Aboriginal and Torres Strait Islander peoples as the first people and Traditional Custodians of the land and waterways throughout Australia. We recognise their continued connection to culture, community and Country, and pay our respects to Elders past and present.

          Our business hours

 Sydney/Melbourne time

    Customers

   Monday - Friday  8AM-7PM 

  Saturday  9AM-6PM 

  Sunday  Closed 

     Partners

   Monday - Friday  8AM-5PM 

  Saturday & Sunday  9AM-3PM 

      MoneyMe

   Home About us Sustainability Careers   Sitemap Contact us Blog How it works Costs FAQs Investors     Types of loans

   Personal Loans Cash Loans Quick Cash Loans Online Cash Loans Cash Advance   Fast Cash Advances Short Term Loans Quick Loans Express Loans     Types of credit cards

   Line of Credit Credit Card Credit Card Application Online   Virtual Credit Card Fast Approval Interest Free Credit Card     Legal

   Privacy Policy Credit Guide Terms of Use Responsible Lending   Complaints Security Policy Freestyle T&C;’s Design and Distribution Obligations                            Copyright 2024 l MoneyMe Financial Group Pty Ltd l ABN 40 163 691 236 l Australian credit licence number 442218 | Credit criteria, fees, charges, terms and conditions apply. 

                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

         ×                 Login via the app

 Scan the code to get the app on your phone

                 Email address        Your 4-digit passcode          Unexpected error encountered! Try again later or give us a call at 1300 669 059 anytime during business hours.    I forgot my passcode     Log in    By clicking ‘Next’ you agree to our Terms of Use and Privacy Policy    Login via the app                     ×    Select where you are from:           Australia

            USA

                   ×     Forgot your passcode?  To reset your passcode, please provide the  following details 

   Email address       Mobile number      The details you provided did not match our records   Recover   Can’t remember your details? Call us on 1300 669 059 and we’ll help you recover your account 

              Checking your details...                                ×      Scan QR code to download app         ×     Check your score to WIN $1,000  Want to boost your financial wellness while also having a shot at winning some extra cash? Simply log into the MONEYME App and check your credit score every month to go in the draw to win $1,000! 

       Check my score   View terms & conditions             Win $10,000  to kick your goals  Simply download the MONEYME app and describe  your  goal in 25 words or less for your chance to win! 

             Download  the app     Entries close on 31 October 2024, and the winner will be notified by 8 November 2024.  Click here to view our Terms & Conditions.                                               AOS.init({ startEvent: 'DOMContentLoaded', disable: 'mobile', disable: function () { var maxWidth = 992; return window.innerWidth < maxWidth; } });