About MONEYME
Personal loans for kicking goals
Low rates starting from 5.99% p.a. (comparison rate from 6.70% p.a.*) with money in your bank account in as little as 60 minutes.
Won't impact your credit score!
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 8.53% 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.
Won't impact your credit score!
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
Fast approvals, instant transfers. Money in your account in as little as 60 minutes.
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.
Won't impact your credit score!
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.
1Check your rate and repayments
You can get a conditional loan offer in just minutes
without impacting your credit score!
2Submit your application
Review your loan offer, accept it, and you'll get an
outcome typically within 60 minutes.
3Same-day funding
Once approved, we'll transfer the money to your bank
account immediately, even on weekends.
Won't impact your credit score!
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.
Won't impact your credit score!
Long Term Personal Loans
Are you looking for the most affordable long term personal loans? Whether you are buying a car, doing extensive house renovations, or paying for an elaborate wedding, there’ll be times in life when a personal loan would be beneficial. Before deciding whether to get a short or long-term personal loan it is a good idea to look at the pros and cons of each option, as well to compare what deals different banks and money lenders are offering. There are many different personal loans on the market so it is important to find the right one for you.
What is a long term personal loan?
In many cases, personal loans are paid back over a short term, but some banks and lenders also offer long term personal loans that can be paid back over 5 years or more. Long term personal loans are often used for bigger purchases such as buying a new car, university fees, or home improvements. They work just like any other personal loan where you borrow money and make an agreement to pay it back in regular installments, plus interest, over an agreed period. If you take out a long term personal loan, each repayment will be less than what the repayments would be if you borrowed the same amount over a shorter term, but you’ll end up paying more interest overall.
Some lenders will let you make extra repayments when you can afford to throughout the loan, which will lower your future interest rates. Be aware though, that some lenders charge fees for doing this as well as early exit fees if you pay off your loan sooner than expected. The good news is, if you take out long term personal loans with MoneyMe, there are no early exit fees so you can pay off your loan in full at any time without being penalised.
What are the advantages of a long term personal loan?
One of the main advantages of taking out a long term personal loan is that you will have more time to pay it back. This means each monthly repayment will be lower than it would be with a short term personal loan where you are borrowing the same amount of money. Having lower repayments each month can free up money for other things and give you more flexibility in your budget. When weighing up your options, it’s also important to look at the disadvantages of taking out long term personal loans compared to short term loans. The longer the term of the loan, the more interest you’ll pay over the life of the loan. Long term personal loans also tend to have a higher interest rate than short term express loans, as long term personal loans are often considered to be riskier. And if you don’t like being in debt, a long term personal loan will take longer to clear than a short term loan.
Where to get a long term personal loan?
If you are wondering where to get a long term personal loan, they are offered by several banks and money lenders. To work out what personal loan will work best for you, it is a good idea to undertake a personal loan comparison Australia to weigh up the different options for both short and long term personal loans. Comparing the loan offered by different lenders will also help you decide whether you want to opt for a variable rate personal loan.
How much should you borrow for a long term personal loan?
To help you work out which loan is best for you. MoneyMe has a free online personal loan calculator where you can compare quick loans with different repayment terms. With MoneyMe’s unsecured personal loans from $5,000 to $50,000, you can choose a minimum repayment period of 12 months and a maximum repayment period of 60 months. Using the calculator you can adjust the repayment period and look at the potential impacts this will make on your repayments. We take responsible lending seriously, so we will only lend you money if we think you’re in a position to comfortably repay it. When deciding this we consider several factors such as your income, loan rating, and your expected living costs.
MoneyMe has a quick and easy application process so you can apply for loans online in just a few minutes. You’ll just need to let us know how much money you would like to borrow and what your ideal repayment period is. After that, you’ll need to enter some personal information including your bank account details and a valid email address. Then, by using the latest in financial technology, we’ll be able to let you know very quickly whether or not your loan has been approved. Depending on who you bank with, with MoneyMe’s quick cash loans if you apply during business hours you could have the funds in your account on the same day. Although the application process is done completely online, if you have any questions as you go, our dedicated support team is available via email, phone, or online 7 days a week and would be very happy to help you. Apply for your loan today, and you could have extra funds in your account before you know it!
Trusted by over 110,000 Aussies
Won't impact your credit score!
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.