--- title: "MoneyMe Personal Loan — MoneyMe" description: "Personal Loans from MoneyMe. Rates, fees, features and eligibility as published under Australia's Consumer Data Right." canonical: https://www.cdrcompare.au/brands/moneyme/products/moneyme-personal-loan-direct source: "CDR Compare" language: en-AU last_updated: 2026-07-28T10:00:00Z --- # MoneyMe Personal Loan — MoneyMe > Personal Loans from MoneyMe. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare. **Personal Loans · Negotiable rates** 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. ## At a glance - **From:** 6.24% (Variable) ## Apply Applications are handled by the provider: [Apply at MoneyMe](https://www.moneyme.com.au/personal-loan) ## Interest rates | Type | Rate | Comparison | Applies to | | --- | --- | --- | --- | | Variable (Credit band A1+ (Equifax OneScore 950-2000). Rates for this band range from 6.24% p.a. (published rate, band floor) to 12.58% p.a. Rate also varies by residential status and customer type. Your actual rate is determined at application time via your Equifax OneScore.) | 6.24% | — | — | | Variable (Credit band A1 (Equifax OneScore 800-949). Rates for this band range from 10.16% p.a. (published rate, band floor) to 15.38% p.a. Rate also varies by residential status and customer type. Your actual rate is determined at application time via your Equifax OneScore.) | 10.16% | — | — | | Variable (Credit band A2 (Equifax OneScore 650-799). Rates for this band range from 12.32% p.a. (published rate, band floor) to 18.35% p.a. Rate also varies by residential status and customer type. Your actual rate is determined at application time via your Equifax OneScore.) | 12.32% | — | — | | Variable (Credit band A3 (Equifax OneScore 550-649). Rates for this band range from 14.70% p.a. (published rate, band floor) to 20.85% p.a. Rate also varies by residential status and customer type. Your actual rate is determined at application time via your Equifax OneScore.) | 14.7% | — | — | | Variable (Credit band A4 (Equifax OneScore 400-549). Rates for this band range from 17.27% p.a. (published rate, band floor) to 26.10% p.a. Rate also varies by residential status and customer type. Your actual rate is determined at application time via your Equifax OneScore.) | 17.27% | — | — | ## Fees | Fee | Type | Amount | | --- | --- | --- | | Establishment fee (loans up to $15,000) — One-off establishment fee of $395 for loan amounts of $15,000 or less. Waived to $0 for applicants with an excellent credit profile. | Upfront | $395.00 | | Establishment fee (loans over $15,000) — One-off establishment fee of $495 for loan amounts over $15,000. Waived to $0 for applicants with an excellent credit profile. | Upfront | $495.00 | | Establishment fee (excellent credit profile) — The establishment fee is waived ($0) for applicants assessed as having an excellent credit profile at application time. | Upfront | $0.00 | | Monthly account fee — Charged monthly · Account-keeping fee of $10 charged monthly. No early repayment or exit fee applies. | Ongoing | $10.00 | ## Features - **Extra repayments** (Unlimited additional repayments may be made at any time without penalty. No early repayment fee applies.) - **Digital banking** (Loan is managed entirely online via the MoneyMe app and member dashboard.) - **Real-time payments (NPP)** (Funds are disbursed via the New Payments Platform where available, typically within minutes of approval.) ## Eligibility - **Individuals only** (Available to natural persons only; not available to businesses or other entities.) - **Minimum age** — 18 years (Applicants must be at least 18 years of age.) - **Residency status** — Australian citizen or permanent resident (Applicants must be an Australian citizen or permanent resident.) - **Employment status** — Must be currently employed (Applicants must be currently employed with a regular income.) - **Minimum income** — $30,000.00 p.a. (Minimum gross annual income of $30,000.) - **Minimum Equifax OneScore of 400 is required. Applications are subject to MoneyMe's credit assessment criteria.** ## Constraints - **Minimum limit** — $5,000.00 (Minimum loan amount of $5,000.) - **Maximum limit** — $70,000.00 (Maximum loan amount of $70,000.) - **Loan terms from 3 years (P3Y) to 7 years (P7Y).** ## More information from MoneyMe - [Overview](https://www.moneyme.com.au/personal-loan) - [Terms & conditions](https://mmestoragecdn.blob.core.windows.net/web2/v3/images/legal/credit-guide.pdf) - [Eligibility](https://www.moneyme.com.au/personal-loan/eligibility) - [Fees & pricing](https://www.moneyme.com.au/personal-loan/interest-rates) ## Data provenance - Published by MoneyMe under the Consumer Data Right - Product ID: `moneyme-personal-loan-direct` - Last updated by the provider: 28 July 2026 - Source payload (JSON): https://www.cdrcompare.au/api/raw/moneyme/moneyme-personal-loan-direct - Provider page: https://www.cdrcompare.au/brands/moneyme --- Source: [CDR Compare](https://www.cdrcompare.au/brands/moneyme/products/moneyme-personal-loan-direct) — product data published by Australian data holders under the Consumer Data Right. 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