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Personal Loans up to $12,0001

Personal loans up to $8,000 and up to $12,000 with security on your loan1

  • Personal Loans up to $12,0001
  • Secured Loans up to $50,0001
  • Any Credit Considered1
  • Fast Online Application
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Latest Personal Loan Reviews

Personal Loans - Easy with Money3!

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.

Centrelink? Bad Credit? Refused Elsewhere?

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:

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Any Credit Personal Loans up to $12,000

How Does it Work?

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.

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Any Credit Personal Loans up to $12,000

Common Questions

What is a bad credit personal loan?

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.

Can a loan with Money3 help repair my credit rating?

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.

Will Money3 do credit checks on my application?

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.

I have defaulted on a previous loan with Money3. Will that affect my application?

Any previous unpaid defaults are taken into account when assessing your application.

I have a car loan with Money3. Can I also apply for a personal loan?

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.

Can I apply if I have been declared bankrupt

Sorry, if you are currently bankrupt, we are unable to help you.

Can I apply if I am on Centrelink benfits?

Yes, you can. See our Centrelink Loans page for more details.

Example Any Credit Personal Loans Costs Chart

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