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 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!
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 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.
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!
Student Loans
Student loans are a type of personal loan specially designed to help you pay course fees, university tuition, vocational education or training, or anything else related to your course. Typically packaged with more flexible terms and tailored rates for students, student loans are a popular option for financing tertiary education costs and tuition without complex eligibility criteria.
Making it personal
Student loans are becoming more important than ever before in Australia. Rising education tuition, and increased requirements to make loan repayments earlier in their working life can be substantial financial barriers for many students considering a further education. Coupled with already sky-high living expenses in cities like Sydney and Melbourne, dealing with tertiary education financing can be a tough challenge for young students.
Fortunately, a student loans company like MoneyMe can provide loans for students that are custom built to cater for these challenges.
The best student loans help to bridge the funding gap where government funding no longer exists, and flexibility and convenience is needed. Sometimes this can mean the difference between attending university, college, or TAFE, or giving up on your dream. More flexible loans for students in particular means you are more likely to achieve the finance needed to make your further education a possibility.
If you’re wondering where to get student loans, you’ve come to the right place. MoneyMe has a range of student loan options for Australians who need fast and easy finance, but who may not have a length credit history so may not have a great deal of choice when it comes to other lenders.
The biggest advantage of student loans is that eligibility criteria for student borrowers can be more flexible. That means you can spend more time studying and less time worrying about how to pay for your books and tuition fees.
There are other distinct benefits like more flexible repayment terms, lower fees and cheaper rates when paying course fees – all of which puts you in control. At MoneyMe we even reward you with better rates if you pay us back on time – like you deserve!
What are you waiting for?
Applying is easy – simply click on the "Apply Now” button. Once you’ve inputted a range of personal information, you’ll be on your way to receiving the funds that could lead to a future of possibilities.
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.
*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.
