Easier. Faster. Personalised

Here's how it works


Check your rate

Find out your personalised interest rate through our online form in just 2 minutes. All you'll need is your drivers licence, and checking your rate won’t affect your credit score.

2 minutes

Submit your application

Happy with your personalised rate? The next step is to answer some more detailed questions and submit your loan application. It's 100% online and should only take 10 minutes or so.

10 minutes

Get approved

After you've submitted your application — and any supporting documentation required — it should only take 1–2 business days for the dedicated Lending Specialist assigned to your application to get back to you with a decision on your loan.

1–2 days

Get your money

Once you've accepted your loan offer, we'll get you your money asap. This is usually the next business day, though it can often be even sooner than that.

Next day

Who can apply?

You must be:

  • An individual, 18 years or older
  • An Australian citizen or permanent resident
  • Currently working (earning over $20,000 per year)

You must not:

  • Be in collections
  • Have unpaid defaults
  • Be a recent bankruptee
  • Earn the majority of your income from government benefits
Our rates

Personalised rates

At MoneyPlace we left the big banks so we could treat you like the unique person that you are. That’s why we offer personalised interest rates from 5.95% comparison rate, so you can be rewarded for your good credit score.

A fairer rate for everyone

Our customers save an average $5,654* over the term of their loan when they consolidate their credit cards and personal loans with us. Find out your rate today.

Checking your rate will not affect your credit score.

*Savings are based on the average amount of credit card and personal loan debt consolidated by MoneyPlace customers, using the average interest rate and fees for such accounts (as published by ANZ, Westpac, NAB, and CBA); and upon the average loan size, interest rate and fees paid by MoneyPlace customers over a 5 year loan term. Individual circumstances will vary.

For whatever you need

MoneyPlace offers unsecured personal loans for almost anything you personally need including consolidating your debt, improving your home, buying a car, going travelling or for the wedding of your dreams. Unfortunately we can't lend for most business purposes.

As long as it's legal, a MoneyPlace loan can be used for just about anything.

Our rates - loan purpose

Loan features

Loan type:
Rate type:
Fixed rate
Loan durations:
3 years
5 years
7 years
Repayment options:
Interest rates1:
Unsecured rates from 6.95% p.a. (6.95% comparison rate*)

Secured rates from 5.21% p.a. (6.12% comparison rate^) for a new car purchase

Secured rates from 5.91% p.a. (6.82% comparison rate^) with a used car as security
Extra repayment fee:
Early payout fee:
Monthly fee:
Establishment fee:
0% to 5.5% of loan amount
Maximum $975
Redraw available:
Joint applications:
  • 1 Our rates are tailored individually, based on our borrower’s financial circumstances. Our lowest rate is 6.95% / 6.95% comparison rate, and the highest is 21.99% p.a. / 23.57% comparison rate.

  • * This comparison rate is based on a $30,000 unsecured loan, for a five year term.

    ^ This comparison rate is based on a $30,000 secured loan, for a five year term.

    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.

Always happy to help

Customer service

When you apply you'll be assigned your own dedicated lending specialist from our Melbourne-based team, who can help you with your loan, from start to finish. There's a reason why over 90% of our customers say that we're excellent!

1300 008 003

(Monday – Friday, 9am – 5pm)