MONEYME: We back ambitions

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About this app

MoneyMe is revolutionising the way consumers access and use credit in Australia.

With the MoneyMe app, you can apply and be approved in as little as 5 minutes! It’s faster and easier than ever.

The Low Rate Freestyle Virtual Mastercard® is more than a credit card. With a lightning-fast application and access to your virtual Mastercard instantly upon approval, Freestyle is one of the smartest, fastest and most convenient ways to access up to $20,000 for everyday spending. Once approved, you can add Freestyle to Apple Pay to tap n pay in-store, shop online using your virtual Mastercard® details, use credit to send money to anyone using our 'Pay Anyone' feature and transfer money straight to your bank. We've also introduced MoneyMe Perks. Simply 'Shop now' with any of the thousands of participating brands via our app using your Freestyle virtual Mastercard and we'll automatically reward you with credit back to your account. With up to 55 days interest-free on purchases, the possibilities are endless.

Our Freestyle interest rate is 16.99%, and there is an additional $5 monthly fee charged on the first day of the month if your balance at the end of the previous month was greater than $20. Our annual fees are charged based on your credit limit, as seen below:

Interest rate: 16.99%
APR/Comparison rate: 19.14% (inclusive of monthly fee)
Up to $3,000 limit - $0 annual fee
$3,001 to $5,000 limit - $49 annual fee
$5,001 to $20,000 limit - $149 annual fee

Payment terms:
Up to $5,000 - 24 months
$5,001 to $10,000 - 36 months
$10,001 to $15,000 - 48 months
$15,000 to $20,000 - 60 months
Minimum repayments: $15 a fortnight or the sum of your utilised credit spread out over your repayment term (whichever is greater)

Based on a Freestyle account of $20,000 over 5 years with an interest rate of 16.99% (19.14% APR), you’d pay an additional $10,861.64 in fees and charges with a fully utilised limit.

Our super low rate personal loans provide convenient access to up to $50,000 with competitive rates starting from 6.25% p.a (comparison rate 7.64% p.a.*). An easy online application, automated fast approvals and immediate transfer times (on the New Payments Platform), money can be available in your bank account within an hour.

Interest rate: 6.25% to 19.95%
APR/Comparison rate: 7.64% to 21.32%
Establishment fees: $295 for loans between $2,100 and $5,000, $395 for loans between $5,001 and $15,000 and $495 for loans between $15,001 and $50,000
Monthly fee: $10
Loan terms: 1-5 years
Early exit fees: None
Early repayment fees: None

Based on a Personal loan of $30,000 over 5 years with an APR of 7.64%, you'd pay a total of $36,183.56 ($6,183.56 in total fees and charges).

Our application process is straightforward, paperless and takes minutes to complete, making it easy to apply for credit on-the-go.

Once you’ve submitted your application, you’ll likely receive a decision on the spot. However, if your application requires further review, we’ll try to get you an outcome within 60 minutes during business hours.

Check your balance. Move, split or make early repayments. Update your details.
Plus, we don’t charge early exit fees – so you can save on interest by paying out your outstanding balance early!

If you’re eligible for new products or special offers, we’ll notify you via the app.

You can chat with us live through the MoneyMe App or get in touch via phone, email or SMS.
*This comparison rate is based on our personal loan for an amount of $30,000 over 5 years, a $495 establishment fee and a $10 monthly fee. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Your privacy is important to us, and our privacy policy can be found here:
Updated on
Jun 8, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Personal info, Financial info and 4 others
Data is encrypted in transit
You can request that data be deleted