Personal Loans up to $30,000

Any credit loans up to $10,000 and up to $30,000 with security on your loan1

  • Any Credit Considered
  • We'll Give You a Fair Go
  • Fast Application & Approvals
  • We're Here to Help
1. Subject to verification, suitability and affordability
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We Will Give You a Fair Go!

Unlike the big banks and other financial institutions, Money3 will look at your application afresh - any credit considered - without basing our lending decision completely on your credit file.

We understand that sometimes in life, juggling finances can be tough, and mistakes do happen - even against our best intentions. So even if you have a mark on your credit file, we will look at your current finances, your income and expenses to determine whether the personal loan is affordable to you.

Other applicants with other lenders may get their applications knocked back, due to their income sources. Whether that is from Centrelink*, self-employment, part-time employment or a mix of both. At Money3, we will consider all income sources as valid, when assessing your loan's affordability with us1.

See for yourself - we'll give you a fair go!

1. Subject to verification, suitability and affordability
* Money3 is not affiliated with, or endorsed by, Services Australia, but does provide personal loan and vehicle finance options which are available to recipients of benefit payments

How it Works

The good news is that the application process is 100% online and can usually be completed in around 5 minutes.

  • 01.
    Check whether you qualify with Money3?

    If you are over 18 years old, an Australian resident, and you take home over $480, then you are likely to qualify for a loan with us1

  • 02.
    Apply online in minutes

    Your online application is pretty simple and can usually be completed in around 5 or 6 minutes.

  • 03.
    Submit your bank statements

    We require 90 days bank statements, which can be sent to us as part of your online application in a couple of minutes. We have partnered with our secure bank statement retrieval service by illoin. Just select your bank and log in, via the illion portal, and you are done!

  • 04.
    Review your application

    When we have received your completed application, our assessment team will review your application and the affordability of your loan with us.

  • 05.
    Your loan approval

    If everything looks good, we can give you your loan approval, generally in 24 to 48 hours.

  • 06.
    Sign your loan documents

    We'll send you a link for you to review the loan terms and sign your loan documents. Once complete, we'll fund your loan.

  • 07.
    Your loan is funded

    Your loan funds will be sent direct to the bank account you specified during your application, usually within 24 hours.

Apply online in minutes

1. Subject to verification, suitability and affordability

A Range of Personal Loan Options up to $30,000

Our personal loans can be used for a wide number of purchases and expenses. Here are some common uses.

* Money3 is not affiliated with, or endorsed by, Services Australia, but does provide personal loan and vehicle finance options which are available to recipients of benefit payments

Personal Loan FAQs

A personal loan is essentially a lump sum of money that you borrow from a financial institution or lender. You'll need to pay it back over a set period, generally 2 to 5 years, with interest. It's a convenient way to cover expenses like emergencies, home renovations, car repairs, or even a holiday.

While the terms are often used interchangeably, they are not exactly the same. Personal loans usually offer larger amounts for specific purposes and are paid back over a longer period. Cash loans often refer to smaller amounts that are intended to be repaid quickly. Both types of loans offer you funds when you need them, but the repayment terms and amounts can differ.

You can use a personal loan for a wide range of things - home improvements, rental bonds, car repairs, medical expenses, or even a dream holiday. The choice is yours, but it's always good to borrow responsibly.

If you would like to apply for a personal loan with Money3, we’ll give you a fair go! You must be over 18 years old, an Australian citizen and your minimum take home wage must be $480 or more.

 

Our personal loans generally have terms ranging between 2 and 5 years with Money3. The exact length will depend on how much you borrow and what you can afford to repay each month.

Use our loan calculator and adjust the loan amount needed, to see how long it will take to repay. The loan term is show, along with your regular weekly, fortnightly or monthly repayments over the loan term.

The maximum amount1 you could borrow is $30,000. However, if you're a first-time customer with 100% Centrelink income*, the maximum loan amount is $10,000. These amounts can potentially be increased depending on your circumstances and repayment history.

No, we do not offer payday loans. Our focus is on personal loans with longer repayment terms, which generally make them a more manageable and responsible borrowing option. See our cash loans page for more information.

Yes, you could. With our loans with bad credit, we understand that life happens and sometimes your credit gets affected. At Money3, we look more at the loans affordability and your ability to repay the loan rather than just your credit score. So bad credit doesn't automatically disqualify you. We'll give you a fair go.

Absolutely, you can apply for a personal loan on Centrelink benefits*2. Money3 is not affiliated with, or endorsed by, Services Australia. However, we do offer personal loans to customers receiving benefit payments. For first-time customers on 100% Centrelink income, the maximum loan amount is $10,000. After that, the loan amount may be increased based on your repayment history and other circumstances.

At Money3, we have a 100% online application process, that makes it easier to apply for your personal loan. We will require 90 days worth of bank statements, which can be completed online via our partner, illion in minutes.

Absolutely, there are no penalties for making extra payments or for paying off your loan early. In fact, doing so could save you money on interest over the long term.

If you miss a repayment, the best thing to do is to get in touch with us as soon as possible. We understand that life happens, and we're here to help. We can review your loan terms or make adjustments to your repayment schedule to better suit your situation.

1. Subject to verification, suitability and affordability
* Money3 is not affiliated with, or endorsed by, Services Australia, but does provide personal loan and vehicle finance options which are available to recipients of benefit payments

More personal loan options for you to consider

Car repair shop with a car tire change

Car Repairs

Whether it's to pay for road accident repairs, service costs and repairs, body paint work or a breakdown, Money3 could help up to $30,000.

Woman swimming in an outdoor pool on a sunny day

Holiday Loans

From dream holidays, European adventures and honeymoons to friends' weddings and long weekends away, a Money3 holiday loan could be the answer - up to $30,000.

Sky with summer clouds

Bad Credit Loans

At Money3, we'll give you a fair go - even if you have had credit problems in the past. We'll look at your income and expenses to work out whether the loan is affordable for you.

Couple on the dance floor at wedding

Wedding Loans

Let Money3 help you celebrate. Whether it is help with engagement parties, rings, venue costs, photography, accommodation or the honeymoon.

Couple decorating a room

Home Improvement Loans

We could help your big ideas for your home become a reality. From new kitchens, bathrooms, extensions, swimming pools to solar panels or home security systems - up to $30,000.

Mother with two young children

Single Parent Loans

As a single parent, Money3 will consider your application as long as your income, either from earnings or Centrelink* is $2,080 a month or more.

* Money3 is not affiliated with, or endorsed by, Services Australia, but does provide personal loan and vehicle finance options which are available to recipients of benefit payments

Example Personal Loans Costs Chart

BorrowCostsRepay
$5,000$2,110$7,110
24 months at 16.95% APR & 37.39% Comparison Rate
$7,500$5,042$12,542
36 months at 16.95% APR & 37.39% Comparison Rate
$10,000$6,427$16,247
48 months at 16.95% APR & 35.44% Comparison Rate

EXAMPLE: A platinum unsecured personal loan of $5,000 for 24 months has fees and charges totalling $2,109.60 and a total repayment of $7,109.60. 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 16.95%. The Comparison Rate, based on a loan of $5,000 over two years, is 37.39%.
EXAMPLE: A platinum secured personal loan of $25,000 for 60 months has fees and charges totalling $14,850.43 and a total repayment of $39,850.43. The Minimum loan term is 24 months and the Maximum term 60 months. The term will be 60 months if you repay monthly, 130 fortnights or 260 weeks. The Maximum APR is 13.95%. The Comparison Rate, based on a loan of $25,000 over five years, is 20.38%.
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: Advertised costs and repayments have been rounded up to the nearest dollar amount, so costs may be slightly cheaper in most cases. Australian Credit Licence 389067.