About MONEYME
Click on a category to see options
Personal loans up to $70,000
Low rate home renovation loans
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 home renovation loan?
A home renovation loan is a personal loan that helps you finance home improvement projects, whether you’re planning a kitchen upgrade, bathroom remodel, or a full extension. It gives you the funds upfront, so you can start your renovations without delay and repay over time in regular instalments.
At MONEYME, our home renovation loans are unsecured, meaning you don’t need to provide your home or other assets as collateral. You can get a personalised quote in minutes and see your rate and repayments before you apply.
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
Item 1 of 16
With no impact to your credit score
Using your loan for home renovations
Our home renovation loans are flexible and can be used for a wide range of improvement projects, such as:
- Kitchen or bathroom upgrades
- New flooring, painting or lighting
- Outdoor landscaping or entertainment areas
- Roof repairs or solar panel installation
- Building extensions or converting garages
- Purchasing new appliances or fixtures
- Interior design and styling
- And more
Whether you’re refreshing a single room or taking on a major renovation, a loan for home renovation can help bring your vision to life.
Benefits of a home renovation loan with MONEYME
Thousands of Australians trust MONEYME to fund their renovation goals and projects. Here’s why:
- Get a quote in minutes – See your personalised rate and repayments before you apply (with no impact to your credit score) so you can budget for your renovations accurately
- Quick online process – Our online application only takes minutes to complete with approvals and funding typically same-day. Allowing you to progress with your project and secure contractors, purchase materials and more knowing the funds are in your bank account.
- No collateral required – Our loans are unsecured, meaning you don’t need to put up your home or assets
- Repay on your terms – Borrow between $5,000 and $70,000 and choose a loan term between 3 and 7 years
- No early repayment fees – Make extra repayments or repay early at no extra cost
- Manage everything easily – Track and manage your loan using the MONEYME mobile app
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.