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Apply Online:
Applying online for a personal loan, should only take between 5 and 10 minutes. You will need to provide some personal and contact details, together with your income and expenses. After that, we will need to see a copy of your 90 days bank statements, which can be done as part of your application, through a digital bank statement retrieval process.
Money3 offers:
As a flexible lender, we focus on your ability to repay, offering various repayment options that are easy and affordable to your financial circumstances. Your loan period will depend on the loan product you have been approved for.
1. Subject to verification, suitability and affordability
Yes, you can apply. At Money3 we like to give everyone a fair go1. We will review your loan application based on your current financial circumstances rather than any past problems you may have had. So if you have a poor credit history, been bankrupt or just been knocked back from the major banks we will give you a fair go. Please note that we do not lend to customers who are currently bankrupt.
1. Subject to verification, suitability and affordability
No, not all applications get credit checked. If after reviewing your application and it has passed our initial checks and looks good, we may run a credit check before your loan is funded. An enquiry may be noted on your file, based on the loan amount requested.
No, Money3 has no hidden fees and charges, and there is no penalty fees for early payment.
Yes, you can apply, regardless of your income type. However, Money3 will consider all Centerlink benefits except for Youth Allowance. The maximum you could borrow1 if your only source of income is Centrelink benefits is $5,000 for personal loans or up to $12,000 with security on your loan. See Centrelink Loans for more details.
1. Subject to verification, suitability and affordability
All loan repayments are direct debited from your Bank Account and are scheduled to line up with your current pay frequency whether it is weekly, fortnightly or monthly.
Please see the loan charts below for some examples.
| Borrow | Costs | Repay |
|---|---|---|
| $2,500 | $1,310 | $3,810 |
| $3,000 | $1,573 | $4,573 |
| $4,000 | $2,097 | $6,097 |
| $5,000 | $2,621 | $7,621 |
| $6,000 | $3,145 | $9,145 |
| $7,000 | $3,669 | $10,669 |
| $8,000 | $4,193 | $12,193 |
| EXAMPLE: An unsecured personal loan of $5,000 for 24 months has fees and charges totalling $2,621 and a total repayment of $7,621. The Minimum loan term is 12 months and the Maximum term 24 months. The term will be 24 months if you repay monthly, 52 fortnights or 104 weeks. The Maximum APR is 29.50%. The Comparison Rate, based on a loan of $5,000 over 24 months, is 45.43% EXAMPLE: A secured personal loan of $8,000 for 24 months has fees and charges totalling $4,193 and a total repayment of $11,920. The Minimum loan term is 13 months and the Maximum term 36 months. The term will be 24 months if you repay monthly, 52 fortnights or 104 weeks. The Maximum APR is 27.00%. The Comparison Rate, based on a loan of $8,000 over 24 months, is 42.77% WARNING: This comparison rate applies only to the example or examples given. 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. Please Note: The chart above refers to unsecured personal loans settled online with Money3 Corporation Limited. Advertised costs and repayments have been rounded up to the nearest dollar amount, so costs may be slightly cheaper in most cases. Money3 branches offer different loan products and so different charges are applicable. Learn More. |
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