MoneyMe
MoneyMe Personal Loan
MoneyMe · pers loans
Provider last updated this product 2026-09-07.
Go to provider
You'll complete your application on
MoneyMe's website. Confirm the rate and fees with them
before applying.
Unsecured variable-rate personal loan from $5,000 to $70,000 over 3 to 7 years, applied for directly with MoneyMe. Rates are personalised to your Equifax OneScore credit band, residential status and customer type. Suitable for a range of purposes including debt consolidation.
As published by the lender
- Headline rates - from 6.24% to 26.10%The lender publishes several headline rates; which one applies is the lender's decision.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| VARIABLE | 6.24% | 6.95% | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band A1+ (Equifax OneScore 950-2000). Minimum variable rate for this band is 6.24% p.a. The advertised comparison rate of 6.95% p.a. corresponds to this rate, based on a $30,000 loan over 5 years. Rates within this band vary by residential status and customer type. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
| VARIABLE | 12.58% | - | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band A1+ (Equifax OneScore 950-2000). Maximum variable rate for this band is 12.58% p.a. Rates within this band vary by residential status and customer type. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
| VARIABLE | 10.16% | - | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band A1 (Equifax OneScore 800-949). Minimum variable rate for this band is 10.16% p.a. Rates within this band vary by residential status and customer type. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
| VARIABLE | 15.38% | - | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band A1 (Equifax OneScore 800-949). Maximum variable rate for this band is 15.38% p.a. Rates within this band vary by residential status and customer type. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
| VARIABLE | 12.32% | - | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band A2 (Equifax OneScore 650-799). Minimum variable rate for this band is 12.32% p.a. Rates within this band vary by residential status and customer type. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
| VARIABLE | 18.35% | - | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band A2 (Equifax OneScore 650-799). Maximum variable rate for this band is 18.35% p.a. Rates within this band vary by residential status and customer type. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
| VARIABLE | 14.70% | - | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band A3 (Equifax OneScore 550-649). Minimum variable rate for this band is 14.70% p.a. Rates within this band vary by residential status and customer type. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
| VARIABLE | 20.85% | - | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band A3 (Equifax OneScore 550-649). Maximum variable rate for this band is 20.85% p.a. Rates within this band vary by residential status and customer type. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
| VARIABLE | 17.27% | - | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band A4 (Equifax OneScore 400-549). Minimum variable rate for this band is 17.27% p.a. Rates within this band vary by residential status and customer type. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
| VARIABLE | 26.10% | 27.49% | OTHER | PRINCIPAL AND INTEREST | - | 36 - 84 months | calculated daily, paid monthly |
| Credit band A4 (Equifax OneScore 400-549). Maximum variable rate for this band is 26.10% p.a. The advertised comparison rate of 27.49% p.a. corresponds to this rate, based on a $30,000 loan over 5 years. Rates within this band vary by residential status and customer type. Your actual rate is determined at application time via your Equifax OneScore. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Establishment fee (loans up to $15,000) | UPFRONT | $395 | One-off establishment fee of $395 for loan amounts of $15,000 or less. Waived to $0 for applicants with an excellent credit profile. |
| Establishment fee (loans over $15,000) | UPFRONT | $495 | One-off establishment fee of $495 for loan amounts over $15,000. Waived to $0 for applicants with an excellent credit profile. |
| Establishment fee (excellent credit profile) | UPFRONT | $0 | The establishment fee is waived ($0) for applicants assessed as having an excellent credit profile at application time. |
| Monthly account fee | PERIODIC | $10 | Account-keeping fee of $10 charged monthly. No early repayment or exit fee applies. |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-09-25 | 2026-09-30 (current) | 6.24% | 6.95% |
Published figures as captured daily since 2026-09-25. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
Who can apply
- natural personAvailable to natural persons only; not available to businesses or other entities.
- min age - 18Applicants must be at least 18 years of age.
- residency status - Australian citizen or permanent residentApplicants must be an Australian citizen or permanent resident.
- employment status - Must be currently employedApplicants must be currently employed with a regular income.
- min income - 30000.00Minimum gross annual income of $30,000.
- otherMinimum Equifax OneScore of 400 is required. Applications are subject to MoneyMe's credit assessment criteria.
Limits
- min limit - 5000.00Minimum loan amount of $5,000.
- max limit - 70000.00Maximum loan amount of $70,000.
- otherLoan terms from 3 years (P3Y) to 7 years (P7Y).
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-07T05:00:00Z · Product ID: moneyme-personal-loan-direct