Christmas Loans up to $30,000

Get up to $30,000 with security on your loan1

  • Christmas Gifts & Parties
  • Holidays & Day Trips
  • Flights & Accommodation
  • Other Expenses
1. Subject to verification, suitability and affordability
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We'll Give You a Fair Go!

Some Merry Money3 Member Reviews

Xmas Personal Loans

Take the stress out of Christmas with a Personal Loan from Money3. Simply complete the short form above and click submit to get your fast track application started.

The Christmas period is always expensive, so whether your loan is for Xmas gifts, party expenses, day trips, holidays, flights or food - Money3 could help.

On Centrelink*? Got Bad Credit? Refused Elsewhere?

Getting your loan approved1 Money3, may be easier than you think. Money3 will give you a fair go - even on Centrelink*1. 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 or secured loan approved as soon as possible - whatever your credit history!

We will consider your loan application*, even if:

  • You are receiving disability or parenting pension payments
  • You have been refused credit elsewhere
  • You have retired and are on a pension
  • You don't have a good credit history
  • You are receiving Centrelink income1

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 Does it Work?

We'd like to see your loan approved soon as possible.

Even with bad credit, as long as your income; that is earnings and Centrelink income* totals $2,0801 a month or more, that you are an Australian resident, then you are likely to qualify1.

You Must:

  • Be Over 18 Years Old
  • Have Take Home Income or Benefits over $480 a Week1
  • Be an Australian Resident
  • Get Your Income Paid into Your Bank Account
  • Be Employed or Receiving Centrelink payments1

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
* 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 Christmas 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.

Christmas Loans FAQs

Yes, you could1 with Money3, providing the loan is affordable to you, and you take home over $480 a week.
You must:

  • Be Over 18 Years Old
  • Take Home Income (with benefits) over $480 a Week1
  • Be an Australian Resident
  • Get Your Income Paid into Your Account

Yes, you could1, however the amount you could borrow may be affected by the affordability of the loan.

Note that Money3 is not affiliated with, or endorsed by, Services Australia. However, we do offer Christmas loans to customers receiving Centrelink payments.

Yes you could1. Money3 specialising in giving people a fair go, regardless of any mistakes on their credit file in the past. We'll look at your current situation and work out what is affordable for you.

You could spend it any number of things. We all know that at Christmas things can get expensive. If you are planning on going away on holiday over the holiday period, we could help with that. If you want to make sure your children have a Christmas to remember with some special gifts, we can help with that too. Christmas is also a time to spend with family and friends and if you need to cover the cost of flights to visit family back home, your Xmas loan could cover that also.

If you are reading this page on our website, then the answer is now! By planning ahead, you could save money on flights and hotels and also allows you to know how much you could afford when choosing some special gifts or arranging some parties.

Absolutely it could1. It is often wise to wait for the sales and pick up some bargain clothes, electronics or furniture - perhaps even a holiday booking. Especially if you already have something in mind.

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