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Money3 Personal Loan

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Money3 Personal Loan
Maximum loan amount
Turnaround time
1 business day
Term of loan
Up to 3 years
Do you really need a loan today? If you would like to speak to someone about your finances you can call the free National Debt Helpline on 1800 007 007.


Money3 Personal Loans allow you to borrow up to $12,000 unsecured, and $75,000 secured. High fees and charges apply.

With a Money3 personal loan the application process is quick, and they accept bad credit borrowers and Centrelink recipients. The loan is, however, expensive. Your rate will be based on the amount you want to borrow and your ability to make the repayments. Interest rates vary from 19.95% p.a. to 28.00% p.a. and your comparison rate can vary from 35.97% p.a. to 47.66% p.a.

In this guide

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Product Details

Product Name Money3 Personal Loan
Minimum loan amount $2,100
Maximum loan amount $12,000
Loan term Up to 3 years
Turnaround time 1 business day
Costs From 19.95% p.a. to 28.00% p.a. APR (comparison rate 35.97% to 47.66%)
Available to Centrelink Borrowers? Yes

How does a personal loan from Money3 work?

To apply for a Money3 personal loan, fill out an online application for much you need to borrow and check you meet the minimum requirements for the loan. If you get accept, you’ll be on your way to borrow between $2,100 and $12,000. If you have asset security, you may be able borrow up to $50,000.

Features of a loan from Money3

What are the features of this personal loan by Money3?

  • Apply with bad credit. Money3 allow applicants to apply with their bad credit history and they will consider your application.
  • Apply on benefits. Money3 will consider your application if you are on Centrelink or receiving a disability pension.
  • Flexible loan amounts. The Money3 personal loan has a minimum of $2,100 and a maximum of $12,000.
  • Secured option available. If you have a vehicle that you can use as security on the loan, you could qualify for funding up to $50,000.
  • Quick application process. The application process is completed online and is a simple process to follow. It should take about 10 minutes, provided you have all of your personal information with you.

Fees and charges

Money3 have no hidden fees or charges attached to the loan amount. This means that the fees will be clearly outlined to you before you need to sign the contract. Make sure you understand them before signing. For this loan, Money3 have a rate that is predetermined by the amount you want to borrow and your ability to make the repayments. However, interest is debited from your account monthly, so you won't see daily charges on your bank statement. You are also able to repay some or the whole amount of the ‘amount owing’ section at any time during the loan.

Are you eligible for a Money3 Personal loan?

To be eligible for this loan, you need:

  • To be an Australian resident over 18 years old
  • To have an income of more than $400 per week or $1,600 a month, whether it be from Centrelink or from your employer
  • To have your income paid into your account

How you can apply

It’s easy to apply for a personal loan with Money3. Click on ‘Go To Site’ and follow the prompts. It’s a simple online application process that requires you to have:

  • A reason as to why you need the loan
  • Proof of your ID and residency
  • Bank statements

⚠️ Warning about Borrowing

payday-warningDo you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

Financial hardship

If you're experiencing financial hardship and would like to speak to someone for free financial counselling, you can call the Financial Counsellors hotline on 1800 007 007. It is open from 9:30am to 4pm, Monday to Friday. When comparing short term loans, ensure you take into consideration any fees, charges and rates you may be charged. It's important to weigh up all your options before applying for any form of credit.

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October 15, 2018

I would like to know what the fortnightly repayment would be if we were to get approved for $8000


Nikki Angco

October 15, 2018

Hi Bianca,

Thanks for your inquiry and for visiting our page.

To know what compose your fortnightly payments, please visit the Money3 website. To do this, click the GO TO SITE button above.

As a friendly reminder, review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the product disclosure statement of the product and contact the lender should you need any clarifications about the card.

Hope this was helpful. Don’t hesitate to message us back if you have more questions.



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