In this guide

  • Review
  • Details
    • Product details
  • How does the MONEYME personal loan work?
  • Eligibility criteria
  • How to apply
  • Features of this loan
  • How much does the MONEYME personal loan cost?
  • Compare other personal loans
  • Your reviews
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MONEYME Personal Loans
4.2
★★★★★
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Interest Rate (p.a.)
9.19% to 23.99%
Comp. Rate (p.a.)
10.58% to 26.58%
Min Loan Amount
$5,000

Summary

Get personalised rates for personal loans of up to $50,000. Interest charges and fees apply.

3 things to consider about this loan:

  • Personalised interest rates. Your interest rate will be determined by your credit score. Higher scores receive lower rates and vice versa.
  • Unsecured loan. You don’t need to provide security for this loan.
  • Pay off your loan early without penalty. You won’t be charged for paying off your loan early or making extra repayments.

Pros

  • Automatic repayments
  • Perks for good credit

Cons

  • Late payment fee of $15

In this guide

  • Review
  • Details
    • Product details
  • How does the MONEYME personal loan work?
  • Eligibility criteria
  • How to apply
  • Features of this loan
  • How much does the MONEYME personal loan cost?
  • Compare other personal loans
  • Your reviews

Details

Product details

Product Name MONEYME Personal Loans
Interest Rate (p.a.) 9.19% to 23.99%
Comp. Rate (p.a.) 10.58% to 26.58%
Interest Rate Type Variable
Min Loan Amount $5,000
Max. Loan Amount $50,000
Loan Security Unsecured

How does the MONEYME personal loan work?

MONEYME’s Personal Loan comes with personalised, variable interest rates. With personalised rates, your interest rate will be influenced by your credit score among other factors. High scores receive rates on the lower end of the spectrum, while low scores will receive a higher rate. This loan is unsecured and can be used for a variety of purposes, including travel and debt consolidation.

Eligibility criteria

To be eligible for this loan, you must meet the following criteria:

  • Be over the age of 18
  • Be employed on a permanent or casual basis
  • Be a permanent resident of Australia or have an acceptable work visa

How to apply

You can apply for this loan online, by clicking the "Go to Site" button on this page or through the MONEYME website. You'll be required to provide personal information, bank account details and a valid email address. Keeping your documents at hand can speed up the process.

Features of this loan

  • Personalised rates. Apart from your credit score, your total income, debt obligations and living expenses can also impact your interest rate.
  • Variable rates. Variable rates can fluctuate based on the market rate, which can make them cheaper than fixed rates - however can also make them more expensive, depending on the market.
  • Terms up to 5 years. Loan terms range from 3 to 5 years.
  • Borrow up to $50,000. You can borrow from $5,000 up to $50,000.
  • Quick applications and turnaround. It takes around 5 minutes to fill out the application. If you're approved, the funds will be available in your account within a few hours or within the hour if you bank with CommBank.
  • Flexible repayments. You can make monthly or fortnightly repayments.
  • No early repayment or exit fees. You can repay your loan early or make extra repayments to bring down how much you pay in interest.

How much does the MONEYME personal loan cost?

Costs associated with this loan include the following:

  • Loan principal
  • Interest charges ranging from 9.19% p.a. to 23.99% p.a.
  • Establishment fees, ranging from $395 to $495, depending on how much you borrow.
  • Monthly fee of $10

Your comparison rate, which includes fees and interest charges, will range from 10.58% p.a. to 26.58% p.a.

Compare other personal loans

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Name Interest Rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
NOW Finance No Fee Unsecured Personal Loan
Finder award winnerFixed18 Months - 7 Years $5,000 - $50,000
Interest Rate (p.a.)
6.75%
to 26.95%
Comp. Rate (p.a.)
6.75%
to 26.95%
Application Fee
$0
Monthly Fee
$0
Monthly Repayment
$922.89
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OurMoneyMarket Personal Loan
Fixed1 - 7 Years $2,001 - $75,000
Interest Rate (p.a.)
6.57%
to 18.99%
Comp. Rate (p.a.)
7.19%
to 21.78%
Application Fee
1.50% - 6%
min. $250
Monthly Fee
$0
Monthly Repayment
$934.23
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Harmoney Unsecured Personal Loan
Finder award winnerFixed3 - 7 Years $2,000 - $70,000
Interest Rate (p.a.)
5.76%
to 24.03%
Comp. Rate (p.a.)
6.55%
to 24.98%
Application Fee
$275 - $575
Monthly Fee
$0
Monthly Repayment
$926.83
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Citi Personal Loan Plus
Variable3 - 5 Years $2,000 - $55,000
Interest Rate (p.a.)
10.90%
Comp. Rate (p.a.)
11.19%
Application Fee
$199
Monthly Fee
$10
Monthly Repayment
$997.25
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Special Offer: Monthly Fee of $10 waived for applications submitted before 30 June 2024.
Latitude Variable Rate Personal Loan
Variable2 - 7 Years $5,000 - $70,000
Interest Rate (p.a.)
9.49%
to 29.99%
Comp. Rate (p.a.)
10.37%
to 30.69%
Application Fee
$0
Monthly Fee
$13
Monthly Repayment
$973.85
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Special Finder offer: $395 establishment fee waived for approved personal loan applications submitted through Finder. Latitude may withdraw offer at any time. T&Cs apply.
NAB Personal Loan Unsecured Fixed
Fixed1 - 7 Years $5,000 - $55,000
Interest Rate (p.a.)
6.99%
to 20.49%
Comp. Rate (p.a.)
7.91%
to 21.33%
Application Fee
$150
Monthly Fee
$10
Monthly Repayment
$940.81
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Pepper Money No Fee Unsecured Personal Loan
Finder award winnerFixed18 Months - 7 Years $5,000 - $50,000
Interest Rate (p.a.)
6.75%
to 26.95%
Comp. Rate (p.a.)
6.75%
to 26.95%
Application Fee
$0
Monthly Fee
$0
Monthly Repayment
$922.89
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NAB Personal Loan Unsecured Variable Rate
Variable1 - 7 Years $5,000 - $55,000
Interest Rate (p.a.)
6.99%
to 20.49%
Comp. Rate (p.a.)
7.91%
to 21.33%
Application Fee
$150
Monthly Fee
$10
Monthly Repayment
$940.81
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ING Personal Loan
Finder award winnerFixed2 - 7 Years $5,000 - $60,000
Interest Rate (p.a.)
6.89%
to 18.99%
Comp. Rate (p.a.)
7.10%
to 19.23%
Application Fee
$150
Monthly Fee
$0
Monthly Repayment
$929.43
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