Personal loans up to $10,000 and up to $30,000 with security on your loan1
Money3 could help you pay your bills and other outstanding invoices1 with a personal loan - excluding utility bills.
Money3 would like to give everyone a fair go, so even if you have had money problems in the past, we may be able to help. Get started by applying now using the short form above.
Whatever the type of bill (except for utility bills, where you'll need to contact the utility provider for assistance), our personal loans may be able to cover the unexpected expenses involved up to $10,000 ; ?> unsecured. We can also cover secured personal loans up to $30,0001
Whether you are receiving benefits or have a bad mark on your credit file, we could help1 with your unexpected bills or emergency expenses. Money3 is a flexible lender who will look into your current situation and your ability to repay, as much as any mistakes or issues you may have had in the past. The amount you could borrow will be based on the affordability of the loan and how much you can afford to repay on a weekly, fortnightly or monthly basis.
If you are struggling with an unexpectedly large utility bill, please see MoneySmart for assistance. Alternatively, contact your utility provider and let them know how much you can afford to pay or ask to be referred to the utility company's financial hardship department.
1. Subject to verification, suitability and affordability
| Borrow | Costs | Repay |
|---|---|---|
| $5,000 | $2,110 | $7,110 |
| Platinum unsecured personal loan for 24 months at 16.95% APR & 37.39% Comparison Rate | ||
| $7,500 | $5,042 | $12,542 |
| Platinum unsecured personal loan for 36 months at 16.95% APR & 37.79% Comparison Rate | ||
| $10,000 | $6,247 | $16,247 |
| Platinum unsecured personal loan for 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 389 067 |
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| Borrow | Costs | Repay |
|---|---|---|
| $5,000 | $2,521 | $7,521 |
| Silver unsecured personal loan for 24 months at 22.95% APR & 43.88% Comparison Rate | ||
| $7,500 | $6,017 | $13,517 |
| Silver unsecured personal loan for 36 months at 22.95% APR & 44.03% Comparison Rate | ||
| $10,000 | $7,534 | $17,534 |
| Silver unsecured personal loan for 48 months at 22.95% APR & 41.71% Comparison Rate | ||
|
EXAMPLE: A silver unsecured personal loan of $5,000 for 24 months has fees and charges totalling $2,520.67 and a total repayment of $7520.67. 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 22.95%. The Comparison Rate, based on a loan of $5,000 over two years, is 43.88%.
EXAMPLE: A silver secured personal loan of $25,000 for 60 months has fees and charges totalling $20,883.12 and a total repayment of $45,883.12. 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 19.95%. The Comparison Rate, based on a loan of $25,000 over five years, is 27.39%. 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 389 067 |
||
| Borrow | Costs | Repay |
|---|---|---|
| $5,000 | $2,661 | $7,661 |
| Bronze unsecured personal loan for 24 months at 24.95% APR & 46.04% Comparison Rate | ||
| $7,500 | $6,352 | $13,852 |
| Bronze unsecured personal loan for 36 months at 24.95% APR & 46.12% Comparison Rate | ||
| $10,000 | $7,977 | $17,977 |
| Bronze unsecured personal loan for 48 months at 24.95% APR & 43.82% Comparison Rate | ||
|
EXAMPLE: A bronze unsecured personal loan of "5,000 for 24 months has fees and charges totalling 2,660.80 and a total repayment of $7,660.80. 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 24.95%. The Comparison Rate, based on a loan of $10,000 over three years, is 46.04%.
EXAMPLE: A bronze secured personal loan of $25,000 for 24 months has fees and charges totalling $25,625.34 and a total repayment of $50,625.34. 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 24.95%. The Comparison Rate, based on a loan of $25,000 over five years, is 32.59%. 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 389 067 |
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