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Personal loans up to $8,000 and up to $12,000 with security on your loan1
Money3 specialises in giving people a fair go!
Whatever your credit needs1, Money3 has flexible loan products to suit.
Get started by selecting the type of loan you are looking for; Personal Loans up to $12,000 or our larger Secured Loans up to $50,000 then give us your contact and employment details to get your application started.
Personal Loans
Car Repairs
Medical Expenses
Holiday Loans
Rental Bond Loans
Educational Expenses
Travel Expenses
Special Occasions
Dental Loans
Vet Bills
Entertainment / Leisure
Non Utility Bills
Wedding Loans
Emergency Expenses
Household Goods
Repairs & Renovations
Business Expenses
Send Money Home
Furniture Loans
New Car/ Vehicle1. Subject to verification, suitability and affordability
Getting your loan approved1 with Money3, may be easier than you think. Money3 will give you a fair go - with bad credit in the past or even when receiving benefits1. As long as you meet our basic criteria and we are happy that the loan is suitable and affordable for you, then we will work with you to get your personal loan approved as soon as possible - whatever your credit history!
We will consider your loan application*, even if:
1. Subject to verification, suitability and affordability
We'd like to see your loan approved soon as possible.
Even with bad credit in the past, as long as your income; that is earnings and benefit income totals $1,6001 a month or more, that you are an Australian resident, then you are likely to qualify*.
You Must:
Get started by completing the short form above. Tell us a little about yourself and we'll take it from there and give you a call back.
1. Subject to verification, suitability and affordability
Simply put, it is a personal loan to cater for people who have a bad credit rating or a bad credit history. If you have had bad credit, your chances of getting approved may be higher when applying with a lender who specialises in customers who bad credit than with mainstream lenders. Due to the increased risks to the lender, the APR of the loan may also be higher to the borrower, however the lender will often be more experienced and flexible if the borrower encounters difficulty making repayments during the term of the loan.
Yes it can. If you have a bad credit history, you can build up a good payment history with us that can be used to either get a better loan with us or with another credit provider.
Yes, but not all applications get credit checks performed. We only run credit checks after our initial review, if we believe the application has a chance of being successful.
Any previous unpaid defaults are taken into account when assessing your application.
Yes, you can1, depending on the affordability of the new loan and that you have the capacity to service both of your loans. If you are currently easily repaying your existing loan, then you may have the capacity to handle a new loan with us.
Sorry, if you are currently bankrupt, we are unable to help you.
Yes, you can. See our Centrelink Loans page for more details.
1. Subject to verification, suitability and affordability
| 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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