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!
Renovation loan

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 home renovation loan built around you

Great low rates

Great low rates

Low rates that beat the banks. Put more money back in your pocket.

Your loan, your timeline

Your loan, your timeline

Choose a loan term that fits your budget. No early repayment fees.

Get a quote in minutes

Get a quote in minutes

See your interest rate and repayments without impacting your credit score.

Same-day loans

Same-day loans

Fast approvals, instant transfers. Money in your account in as little as 60 minutes.

Home renovation loan calculator

Enter your loan details

Don't know your score? Check for free

Estimated monthly repayments

$0.00

Example variable interest rate

8.7% p.a.

Comparison rate*

10.08% p.a.

Total charges

$0.00

Total repayments

$0.00

It won't affect your credit score!

Award-winning lender

Award atf
ratings

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!
Check our rates

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.

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Must be Australian citizen, New
Zealand citizen or permanent resident

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Earn more than $30,000 p.a. from employment

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Must at least be 18 years old

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Bank-grade security

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‘Read only' access to accounts

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256-bit data encryption

Won't impact your credit score!
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A different kind of lender

Quick quotes, fast approvals

Quick quotes, fast approvals

We cut out unnecessary paperwork and delays with lending that's fast, simple, and built around you.

Transparent and flexible

Transparent and flexible

No lock in contracts, hidden fees or surprises - just flexible options that keep you in control.

Real support, real fast

Real support, real fast

Speak to a real person if you have questions, we usually answer calls in seconds.

For people and the planet

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!

Front Yard Landscaping

All your visitors walk through the front yard before entering your home, which is why you should take the issue of front yard landscaping seriously. A poorly done front yard may give a bad impression of your home, while a well done front yard can be quite a refreshing area of the home.

One of the most common reasons people give for not doing proper front yard landscaping is a lack of funds. However, with MoneyMe home improvement loans, you can easily upgrade your front yard to modern standards.

What is the cost of front yard landscaping?

The cost of front yard landscaping in Australia may vary from one city to another. The size of the yard, the amount of work to be undertaken, and the complexity of the terrain may also affect the amount of money you have to pay. There are also landscaping ideas that may cost more than others, depending on what it takes to make them work. A simple front yard landscaping project may cost around $4,800, while a more complex project may run up to $50,000.

What is the best loan to cover the costs of front yard landscaping?

A home improvement loan can be the easiest way for you to get the amount of money you need to carry out your front yard landscaping project. MoneyMe offers loans of up to 50k, making it one of the best financial institutions to work with when it comes to all matters of home improvement.

You can use your home improvement loan to do a variety of things, including covering kitchen renovation costs, build carport costs, new bathroom costs, bathroom renovation costs, backyard paving and veranda upgrading costs.

It is worth pointing out that securing a home improvement loan is not a difficult task, and the process of application can take as little as 5 minutes. Below is a quick illustration of the steps you can take to secure such a loan.

Determine eligibility

Before receiving any money in the form of a loan, all financial institutions lay down a list of minimum requirements, and MoneyMe is no exception. For starters, you must have attained the age of 18 years and be a permanent resident of Australia. This loan facility also requires that all applicants must be employed in one way or another.

Register your details

Once you are sure that you meet all the eligibility requirements, you are free to proceed to this next stage of registering on MoneyMe. This can be done through your android or iPhone device. Simply go to the App Store or Google Play and download the MoneyMe software. Install it on your device and complete the registration process.

Submit an application

The next step is to determine the amount of money you need for the front yard landscaping project you have in mind. The costs of landscaping may vary from one Australian city to another. The complexity of upgrading your front yard may also play a role in the amount of money you need to complete the project.

Once you are sure of the amount you require, go ahead and fill in the application form available on the MoneyMe app. Some of the details you may have to enter include any outstanding loans or rent arrears. MoneyMe will also gain access to your credit score to determine your creditworthiness. The data you share is used to calculate how much money you can receive in the form of a personal or home improvement loan.

Get approved

Once we receive your applications, we will run a quick assessment of all the information shared and approve your loan within 24 hours. In fact, many people receive money into their accounts a few minutes after submitting an application.

How does the repayment work?

The cost of the loan you receive is determined by your MoneyMe rating. This rating often factors the details you provide during the registration process, which is why you should only enter accurate and factual information. Otherwise, your loan may be declined.

Before you accept any loan, you will receive information on the cost of the particular loan, and this allows you to determine if you will be able to make repayments on time. It is important to make all repayments according to the agreement. Late repayment may incur certain fees. However, all fees are capped, meaning you don’t have to worry about incurring a higher cost on late repayment.

MoneyMe repayments are quite simple because when you are approved, we set you up with a customised direct debit schedule that is aligned with your pay cycle. Immediately your loan is paid back in full, the direct debit stops. If you are having any difficulty with repayments, don’t hesitate to get in touch and let us know exactly what is happening. We are able to assist customers based on their unique situations.

In conclusion

With a MoneyMe personal loan, you can start your home renovation project sooner without paying anything upfront. View the range of mini-webisodes from the TV show Dvline Living with Dale Vine to learn more on how a MoneyMe low rate personal loan could be the solution for your next home project. Each episode features big and small renovation projects - from backyard paving and carport building to bathroom and kitchen upgrades, so be sure to tune in!

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Trusted by over 110,000 Aussies

4.6 review rating
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 arrow right

*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.

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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.