MoneyMe review
Personal
Best suited for borrowers who need funds fast, with same-day approval and unsecured loans up to $70,000
Loanseekers is a broker, not a lender, and may receive commission from lenders on our panel. This does not change what you pay. See our Credit Guide.
Advertised rates
6.24% - 26.35% p.a. variable unsecured personal
Comparison rate 6.95% - 27.74% p.a. unsecured personal (advertised range; different amounts, terms and fees may produce a different comparison rate)*
Approval speed
Approval in as little as 60 minutes and same-day funding (car loans advertise same-day funding 7 days a week, including weekend approvals); personalised quote in about 90 seconds with no credit score impact
Credit-profile fit
Rates and establishment fees are tiered to the credit profile; the quote tool's self-rated credit options run from Excellent down to Not bad. Best pricing requires an excellent history.
Pros & cons
Pros
- Same-day funding with approval in as little as 60 minutes (car loans fund 7 days a week)
- No early repayment fees
- 90-second quote with no credit score impact
- $0 establishment fee for excellent credit histories
Cons
- Variable rate only, so repayments can change
- Maximum advertised unsecured personal interest rate is 26.35% p.a.; the rate offered is personalised
- $10 monthly account fee on unsecured personal loans
- Establishment fee up to $495 unless credit history is excellent
Key features
- Unsecured loans $5,000 - $70,000 over 3 - 7 years
- Personalised quote in about 90 seconds with no credit score impact
- Extra repayments and early payout at no cost
- Secured car loans also available, $10,000 - $100,000 over 3 - 7 years
- Fully online with app-based loan management
Fees
- Unsecured personal establishment fee: $0 with an excellent credit history; otherwise $395 for loans up to $15,000 or $495 for higher amounts
- Unsecured personal monthly account fee: $10
- Unsecured personal early repayment fee: $0
Frequently asked questions
Who is MoneyMe best suited to?
Based on our review, MoneyMe is best suited for borrowers who need funds fast, with same-day approval and unsecured loans up to $70,000.
What are MoneyMe's rates?
6.24% - 26.35% p.a. variable unsecured personal. Comparison rate: 6.95% - 27.74% p.a. unsecured personal (advertised range; different amounts, terms and fees may produce a different comparison rate). Profile record dated 18 Aug 2026. Selected facts checked 27 Oct 2026: advertised rates, comparison rates, fees, features, application timing, eligibility, advantages, limitations, borrower fit. Rates and fees are subject to change by the lender at any time.
What fees does MoneyMe charge?
Unsecured personal establishment fee: $0 with an excellent credit history; otherwise $395 for loans up to $15,000 or $495 for higher amounts. Unsecured personal monthly account fee: $10. Unsecured personal early repayment fee: $0.
How fast is MoneyMe's approval?
Approval in as little as 60 minutes and same-day funding (car loans advertise same-day funding 7 days a week, including weekend approvals); personalised quote in about 90 seconds with no credit score impact.
What credit profile does MoneyMe accept?
Rates and establishment fees are tiered to the credit profile; the quote tool's self-rated credit options run from Excellent down to Not bad. Best pricing requires an excellent history.
How do I apply through MoneyMe?
Start a Loanseekers enquiry and we compare MoneyMe against 70+ lenders for your situation. The initial check does not affect your credit score, and our specialists manage the application to settlement.
See if MoneyMe suits your situation
One enquiry compares MoneyMe against 70+ lenders for your exact position. No obligation, no impact on your credit score to enquire.
This is general information only, not personal advice; we have not considered your objectives, financial situation or needs. Loanseekers is a broker, not a lender, and may receive commission from lenders on our panel. This does not change what you pay. Approval is subject to lender criteria. See our Credit Guide.
Profile record dated 18 Aug 2026. Selected facts checked 27 Oct 2026: advertised rates, comparison rates, fees, features, application timing, eligibility, advantages, limitations, borrower fit. Rates and fees are subject to change by the lender at any time.
*The comparison rate is based on the lender's published example and is true only for that example. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
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