About MONEYME
Get a personal loan quote in less than 90 seconds
Bank-beating rates and no surprises. Get a quote to see your rate and repayments before you apply.
No credit score impact | Am I eligible?
Why our customers love us
Low rates that
beat the banks
MONEYME
from 6.70% p.a.
ANZ
from 8.18% p.a.
NAB
from 8.99% p.a.
Westpac
from 9.18% p.a.*
CommBank
from 9.64% p.a.
Click here for important information on comparison rates. All rates are for variable rate loans, unless noted with an asterisk (*), which indicates a fixed rate loan. Comparison excludes short-term promotional rates. Last updated 31/03/25.
No credit score impact | Am I eligible?
A personal loan built around you
Great low rates
Low rates that beat the banks. Put more money back in your pocket.
Your loan, your timeline
Choose a loan term that fits your budget. No early repayment fees.
Get a quote in minutes
See your interest rate and repayments without impacting your credit score.
Same-day loans
Approvals and funding in as little as 60 minutes, even on weekends.
Award-winning lender
Low rates, no surprising fees
Variable interest rate
5.99
%p.a.
up to 24.49% p.a.
Comparison rate*
6.70
%p.a.
up to 25.87% p.a.
No credit score impact | Am I eligible?
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. For other borrowers, an establishment fee of $395 or $495 will apply, based on loan amount. A $10 monthly fee applies to all personal loans. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Establishment fee
$0 - $395
Loans up to $15,000
$0 - $495
Loans above $15,001
Loan term
3 to 7 years
Our fees
$10
Monthly fee
$0
Early exit fees
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. For other borrowers, an establishment fee of $395 or $495 will apply, based on loan amount. A $10 monthly fee applies to all personal loans. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Get a quote for a personal loan in minutes
You can check your personal loan interest rate and repayments online with an obligation-free quote. It only takes a few minutes and there's no impact on your credit score.
1
Check your rate and repayments
You can get a conditional loan offer in just minutes
without impacting your credit score!
2
Submit your application
Review your loan offer, accept it, and you'll get an
outcome typically within 60 minutes.
3
Same-day funding
Once approved, we'll transfer the money to your bank
account immediately, even on weekends.
No credit score impact | Am I eligible?
A different kind of lender
Quick quotes,
fast approvals
We cut out unnecessary
paperwork and delays with
lending that's fast, simple,
and built around you.
Transparent and
flexible
No lock in contracts, hidden
fees or surprises - just
flexible options that keep
you in control.
Real support,
real fast
Speak to a real person if you
have questions, we usually
answer calls in seconds.
For people and the
planet
We care about our social and
environmental impact, and
we're proudly B Corp
Certified.
No credit score impact | Am I eligible?
What is a personal loan?
A personal loan is a flexible way to borrow money for just about anything, from consolidating debt and covering unexpected expenses to funding major purchases or special events. You receive the funds upfront and repay the loan in fixed instalments over a set term.
At MONEYME, our personal loans are unsecured, which means you don’t need to offer your car, home or any other asset as security. You can get a personalised quote in minutes to see your rate and repayments before you apply (with no impact on your credit score)
No credit score impact | Am I eligible?
Need a loan for something else?
Trusted by over 110,000 Aussies
Efficient service.
I have had no problems at all everything was done to my satisfaction at a fast and prompt manner.
DianeJan 11, 2023
Item 1 of 6
No credit score impact | Am I eligible?
What can I use a personal loan for?
MONEYME personal loans are designed for flexibility with a wide range of use cases.
Popular uses include:
- Booking travel or holidays
- Buying a new or used vehicle
- Funding home upgrades or repairs
- Covering medical or dental procedures
- Paying for weddings or special events
- Buying furniture, appliances or electronics
- Managing unexpected bills or emergencies
- Paying education fees or professional training
- Consolidating credit card or personal loan debt
Whatever you’re planning, a personal loan could give you the funds to make it happen on your terms.
Benefits of a personal loan with MONEYME
Thousands of Australians choose MONEYME for their personal loans. Here’s why:
Get a quote in minutes – See your personalised rate and estimated repayments before you apply. There’s no impact to your credit score and you can check your options upfront.
Fast application and same-day funding – Apply online in minutes with approvals in as little as an hour. Once approved, your funds are transferred immediately to your bank account.
Bank-beating rates – Our low-rate personal loans are tailored to your credit profile and often lower than what you’ll find at the big banks.
No collateral required – Our personal loans are unsecured. That means no need to use your car, home or savings as security.
Flexible amounts and terms – Borrow from $5,000 to $70,000 and choose a loan term between 3 and 7 years to suit your budget and lifestyle.
No early repayment fees – Pay off your loan early or make extra repayments anytime — with no extra cost.
Manage everything in one place – Track and manage your loan easily in the MONEYME app. View balances, repayment schedules and make changes anytime.
Everything you need in one app
Get a quote or apply on-the-go in minutes and manage your account anytime, anywhere.
Purpose-driven
and responsible
At MONEYME, we're not just here to provide low rate loans - we're here to make a difference. We believe in providing smart, responsible lending that keeps you financially on track, whilst doing good for the planet.
As a Certified B CorporationTM we're big on sustainability. We hold ourselves accountable to the high standards of the B Corp movement, supporting renewable energy projects, doing our part for the community, and striving towards a greener future.
Explore our impact
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. Rates displayed are for customers with an excellent credit history, where a $0 establishment fee applies. For other borrowers, an establishment fee of $395 or $495 will apply, based on loan amount. A $10 monthly fee applies to all personal loans. WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
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. Learn more about our commitment here.
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
Customer support
Copyright 2025 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.