Low rates that
beat the banks

If you’re in need of a cash advance and have been looking for small loans Adelaide, look no further - MoneyMe has got you covered! We offer unsecured same day cash loans online between $5,000 to $50,000 to approved applicants, and our fixed interest loan rates are among the most competitive in the country.

MoneyMe small loans support all kinds of Aussies at different stages of their lives. They can be used for just about anything, from payday loans to help get you through a tight spot, a personal loan for debt consolidation, a bond loan or to cash cover removalist payments when moving house, or even home renovation loans and travel funds.

If you’re after a line of credit with a redraw facility, consider our Freestyle virtual credit card. Accessed exclusively via your smartphone, credit limits are available up to $20,000 for approved applicants. You can make purchases in-store using Tap n Pay, shop online, and transfer funds directly to your bank account.

We’re revolutionising the way everyday Australians can access credit. Our express application process takes less than 5 minutes, and you can apply and manage your funds using the MoneyMe app on your phone. With quick, same-day approval and cash delivery, our customers are taking advantage of the next generation in money lending.

To apply for a line of credit and find out how much you might be able to borrow, apply online with MoneyMe today

How do small loans work?

Small loans make getting access to cash when you need it easy. When you apply for small loans Adelaide with MoneyMe, we’ll make you a loan offer based on your personal finance and credit history.

Our 100% online application process doesn’t require messing around with uploads of supporting documents and takes less than five minutes to complete. Depending on who you bank with, you’ll have the funds in your account the same day.

You’ll make regular monthly repayments over the duration of your loan term, and unlike other money lenders, we won’t penalise paying off your loan early by charging you additional fees. In fact, we encourage it!

What are the benefits of small loans?

There are many advantages to small loans, aside from immediate cash relief. MoneyMe small loans Adelaide are only offered with a fixed interest rate, providing our customers with a comforting sense of security.

Unlike a variable rate personal loan, where the interest rate fluctuates depending on the state of the economy and how confident the Reserve Bank is feeling (thus affecting the amount of your personal loan repayments and accrued interest), a fixed interest rate will remain the same for the entirety of your loan term.

This means you’ll always know what your monthly line of credit payment will be and how much interest you’ll accrue over the duration of your loan - including all rates and fees. This security can be extremely useful when initially budgeting for your loan and for long-term financial planning.

How to apply for a small loan in Adelaide?

MoneyMe makes applying for small loans Adelaide easy. Using your smartphone or other devices, you can apply using our app or via our mobile-friendly website (just click ‘Apply Now’).

We offer unsecured small personal loans between $5,000 to $50,000 at competitive rates, with a quick response time and funds delivered to most accounts the same day. To be eligible to apply, you’ll need to be at least 18 years of age and an Australian citizen or resident for tax purposes.

Handy hint: We’ll verify your identity online early on during the application process, so make sure you’ve got two Australian government-issued forms of ID handy when you start!

We’ll ask you about how much you’d like to borrow from us and over what loan term or period of time. Once we know that, you’ll need to tell us about your employment and income, daily expenses, and any liabilities, savings, and assets.

It’s important that you’re able to demonstrate your income through regular deposits into the same bank account, so if you’re self-employed or get paid in cash, you might need to change how you process your finances before applying.

As a big part of the assessment process for our small loans Adelaide - and, in fact, all of our credit products, including our Freestyle virtual credit card - we’ll take a look at your credit history.

You may have heard that there have been some significant changes in the way that credit is reported and recorded. Previously, your credit file only reflected negative credit behaviours, such as where you may have missed a bill or line of credit payment.

The new, more comprehensive method of credit reporting allows us also to see your positive credit behaviours. This means all your regular, on-time repayments are recognised, creating a much clearer, fairer, and more positive borrower profile. Given that your credit score plays a huge part in determining how much you can borrow and what interest rate you’ll be offered, we think this is great!

Once you’ve completed the online application form, you’ll be asked to sign in to your online bank platform. It’s important to note that we don’t receive access to your account - our system simply requests a 90-day transaction statement in PDF read-only format from your bank. After receiving it, we’ll use it to confirm the information you provided around income, existing debt, and other expenses listed in your application.

Combined, this information gives us an accurate picture of your current borrowing capacity, including accounting for contingencies.

MoneyMe takes care to consider each small loans Adelaide requests individually and utilises the latest lending technology to ensure our assessments are fair and transparent so that we can offer you the best loan and most competitive interest rate for your current circumstances