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% - 26.10% p.a. (variable)
Comparison rate from 6.95%*
Approval speed
Approval in as little as 60 minutes and same-day funding, 7 days a week; personalised quote in about 90 seconds with no credit score impact
Credit-profile fit
Rates and establishment fees are tiered to the credit profile; quote tool accepts credit ratings from excellent down to fair. Best pricing requires an excellent history.
Pros & cons
Pros
- Same-day funding, 7 days a week, with approval in as little as 60 minutes
- No early repayment fees
- 90-second quote with no credit score impact
- $0 establishment fee for excellent credit histories
- Loan can cover registration, insurance and on-road costs
Cons
- Variable rate only, so repayments can change
- Maximum rate of 26.10% p.a. for weaker credit profiles
- $10 monthly account fee on all 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
- Car loans can also cover rego, insurance and on-road costs
- Fully online with app-based loan management
Fees
- Establishment fee $0 with an excellent credit history, otherwise $395 (up to $15,000) or $495 (larger loans)
- $10 monthly account fee
- $0 early repayment fee
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% - 26.10% p.a. (variable). Rates and fees are current as at 18 Aug 2026 and are subject to change by the lender at any time.
What fees does MoneyMe charge?
Establishment fee $0 with an excellent credit history, otherwise $395 (up to $15,000) or $495 (larger loans). $10 monthly account fee. $0 early repayment fee.
How fast is MoneyMe's approval?
Approval in as little as 60 minutes and same-day funding, 7 days a week; 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; quote tool accepts credit ratings from excellent down to fair. 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.
Rates and fees current as at 18 Aug 2026. 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.
Think something on this page is out of date or inaccurate? Tell us via our complaints and disputes page.
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