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!
Won't impact your credit score!
Why our customers love us
Low rates that beat the banks
Won't impact your credit score!
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 home renovation 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!
Won't impact your credit score!
*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 home renovation loan in minutes
You can check your home renovation 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.
Must be Australian citizen, New Zealand citizen or permanent resident
Earn more than $30,000 p.a. from employment
Must at least be 18 years old
Bank-grade security
‘Read only' access to accounts
256-bit data encryption
Won't impact your credit score!
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!
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.
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 $50,000 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
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.
*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.
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.
