About MONEYME
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Personal loans up to $70,000
Bank-beating rates, speed & service
Check your interest rate, repayments and maximum loan amount in 90 seconds.
Variable rate from
5.99
%
p.a.
p.a.
Comparison rate from*
6.70
%
p.a.
p.a.
With no impact to your credit score
Simple terms.
No hidden fees.Simple terms. No hidden fees.
$0
Early repayment fee
Want to pay off early and save on interest? You can with us.
$10
Monthly fee
Simple, transparent pricing. Never any hidden extras.
$395
Establishment fee
Spread across repayments. $495 for loans over $15,000.
3-7 years
Loan durations
Choose a repayment term that suits your lifestyle.
$70,000
Max loan amount
Choose your loan amount from $5,000 to $70,000.
$0
Early repayment fee
Want to pay off early and save on interest? You can with us.
$10
Monthly fee
Simple, transparent pricing. Never any hidden extras.
$395
Establishment fee
Spread across repayments. $495 for loans over $15,000.
3-7 years
Loan durations
Choose a repayment term that suits your lifestyle.
$70,000
Max loan amount
Choose your loan amount from $5,000 to $70,000.
With no impact to your credit score
Start with an obligation-free quote
There's no paperwork required and no impact to your credit score. Get all the important information you need before you apply.
Personalised rate
Check your rate and repayments before you apply
Borrowing power
Calculate the maximum amount you can borrow
Eligibility check
Confirm you are eligible before you apply
Same day loans
If you proceed with your quote, we offer funding in as little as 60 minutes
With no impact to your credit score
Low rates that
beat the banks
Get a better a deal with our bank-beating rates.
MONEYME
from 6.70% p.a.
CommBank
from 8.40% p.a.
ANZ
from 8.40% p.a.
NAB
from 8.40% p.a.
Westpac
from 8.88% 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 26/08/25.
Ready to get a quote?
Find out your rate and repayments in under 90 seconds
With no impact to your credit score
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)
Trusted by over 110,000 Aussies
Wonderful experience and efficient service
Quick turnaround in terms of the loan application outcome. Had great experience with MoneyMe as this is my second time with the company
ZakJul 1, 2024
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With no impact to your credit score
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.
With no impact to your credit score
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.