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Please note that to afford to repay this loan, you will need to reduce your discretionary spending. We have assumed that reducing your discretionary spending to obtain this loan meets your requirements and objectives. If it does not, you should not proceed with the loan. If you are unsure, you can contact us on 1300 669 059
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The AUD$250 credit back offer is available for a limited time only when you apply and are approved for a new Freestyle Virtual Credit Account from 1st of September 2020 and spend A$1,000 on eligible purchases within 12 months of card approval. Eligible purchases do not include fees, cash, cash equivalent transactions or illegal transactions, payments to charities, social service and government agencies, payments for proprietaries and sundries, streaming subscriptions, reoccurring payments or memberships, gambling, adult dating or escort services and refunds debited from the Freestyle Virtual Credit Account. The A$250 credit back will be paid as a statement credit to your respective Freestyle Virtual Credit Account within 3 days of meeting minimum spend criteria. Existing Freestyle customers who currently hold a Freestyle Virtual Credit Account, are not eligible for this offer. The credit back offer is limited to $250 per customer.
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So that my application can be assessed, I consent to you and your service provider, Equifax Verification Exchange®:
collecting, using and disclosing my personal information to my employers (or to payroll or other service providers who might act on behalf of my employers) to identify me; and
collecting and using my employment income, history and related information from such parties to allow you to verify those matters.
*The $250 credit back offer is available when you apply and are approved for a new Freestyle Virtual Credit Account (Account) from 23rd March 2022 to 1st May 2022 (inclusive). If you redeem any part of the $250 credit back and then close your account within the first 6 months after opening it, MONEYME may charge an account closure fee of $150. Applications will be subject to our credit assessment and approval process. The Account may not be used for recurring payments or memberships. The $250 credit back will be paid as a statement credit to your Account within 3 days of meeting minimum spend criteria. Existing Freestyle customers who currently hold an Account are not eligible for this offer. The credit back offer is limited to $250 per customer.
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By agreeing to this Privacy Consent and Electronic Authorisation, you consent to MoneyMe Financial Group Pty Ltd ACN 163 691 236, Australian credit licence number 442218, trading as MoneyMe (hereafter we, us or our), our related bodies corporate, affiliates and agents collecting, using, holding and disclosing personal information (including sensitive information) and credit-related information about you. You can find out more about how we deal with your privacy and the personal information (including sensitive information) and credit-related information that we hold about you by viewing our Privacy and Credit Reporting Policy.
Our Privacy and Credit Reporting Policy (Privacy Policy) contains information about how you may access or seek correction of your personal information and credit-related information, how that information is managed, how you may complain about a breach of your privacy, and how that complaint will be dealt with. It also contains information on ‘notifiable matters’, including things such as the information we use to assess your creditworthiness, the fact that credit reporting bodies may provide your personal information and credit-related information to credit providers to assist in an assessment of your credit worthiness, what happens if you fail to meet your credit obligations or commit a serious credit infringement (including our right to report a default or a serious credit infringement to credit reporting bodies), your right to request that credit reporting bodies not use your credit-related information for the purposes of pre-screening credit offers, and your right to request a credit reporting bodies not to use or disclose credit-related information about you if you believe you are a victim of fraud. You may request to have these notifiable matters (and our Privacy Policy) provided to you in an alternative form, such as a hard copy.
The Privacy Act 1988 (Cth) defines “personal information” as information or an opinion about an identified individual, or an individual who is reasonably identifiable whether the information or opinion is true or not and whether the information or opinion is recorded in a material form or not. The kinds of personal information we may collect about you include your name, date of birth, address, account details, occupation, and any other information we may need to identify you, including publicly available information from public registers and social media. If you are applying for credit, we may also collect the number and ages of your dependants and cohabitants, the length of time at your current address, your employment details, and proof of earnings and expenses.
Sensitive information is personal information that includes information relating to your racial or ethnic origin, political persuasion, memberships in trade or professional associations or trade unions, sexual preferences, criminal record, or health.
“Credit information” means information about you such as your identity information, repayment history, the type and amount of credit provided to you, default and payment information, personal insolvency, court proceedings and any other publicly available information that relates to your credit worthiness. “Credit reporting information” is any personal information derived by a credit reporting body from credit information held about you bearing on your credit worthiness. Credit information and credit reporting information are, together, “credit-related information”.
We may collect, use, hold and disclose personal information and credit-related information about you for the purposes of:
We may collect, use, hold and disclose your sensitive information (particularly your health information) if it is reasonably necessary for the type of credit we are providing you with. For example, if you submit an application with us to finance a medical procedure, we may collect your health information for the purpose of assessing your application and may disclose this health information to your surgery provider.
Your information will be collected and held by us and some of our third party service providers so that we can provide you with a range of services. In some cases, we may receive your personal information or credit-related information from a third party (for example, when we electronically verify your identity with third party providers).
Without your personal information and credit-related information, we may not be able to process your application for a consumer credit, respond to your requests, perform our functions or provide you with some or all of our products and services.
Your personal information may be provided to:
We may disclose your personal information and credit-related information to overseas entities, including related entities and service providers located overseas in New Zealand, USA, Canada, India, Ireland, the United Kingdom or the Philippines. Overseas entities may be required to disclose information to relevant foreign authorities under a foreign law. More information on overseas disclosure may be found in the entities’ privacy policies.
We may disclose your name, residential address and date of birth to an organisation, including a credit reporting body or other organisation (including the document issuer or official records holder via third party systems and services), to verify your identity. The organisation will use this information to give us an assessment/ report of whether or not the information we have matches information held by the organisation. If we use these methods and are unable to verify your identity in this way, we will let you know. We may also use information about your Australian Passport, state or territory driver licence, Medicare card, citizenship certificate, birth certificate and any other identification documents to match those details with the relevant registries using third party systems and to record the results of that matching. Note: If you do not provide this consent, we will verify your identity in another way, which may require you to provide various supporting identification documents (either original or certified copies).
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You selected that your future circumstances and financial position may change.
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Last Update: May 2025
Your Service Provider has directed you to this website and/or these End User Terms, in order for you to provide Authorisation to illion (including, where applicable, authorisation to use your Credentials), which illion needs from you in order to provide our Services to your Service Provider.
To be eligible to use this End User Service, you must be 18 years of age or older and you must be using this End User Service in your personal capacity (and not on behalf of any other person, except where you are using this End User Service on behalf of a company, in which case you confirm you are authorised to do so).
By agreeing to these End User Terms, you confirm that you authorise illion to access your Account Information, and to use and share your Account Information, in accordance with these End User Terms. We will not access, use or disclose any information that is not expressly permitted by you or that is not otherwise Account Information that is collected for the purpose of providing the Services to your Service Provider.
If you do not agree to these End User Terms, or you are not eligible to use this End User Service, you must not provide your Authorisation or Credentials.
We will access, use and disclose your Account Information for the purpose of providing Services to your Service Provider. We will also access, use and disclose your Account Information in accordance with our Privacy Policy. You appoint us as your agent solely for the limited purpose of accessing your Account Information.
We are not responsible for the use of your Account Information by your Service Provider.
Your Service Provider is responsible for informing you of the Services we are providing to them and whether we collect your Account Information for a Single Use (e.g. for a loan application assessment) or Ongoing Use (e.g. for a financial management service or ongoing credit management). If you are unsure what type of use is required, please check with your Service Provider.
If your Service Provider has informed you that this is a Single Use Authorisation, we will complete a one-time retrieval of your Account Information (either using your Credentials or being provided with PDF copies of your bank statements). Where we access your Account Information using your Credentials, we will immediately destroy your Credentials after we use them.
If your Service Provider has informed you that this is an Ongoing Use Authorisation:
End User Services are provided on an "as is" and "as available" basis. To the extent permitted by law, any representation, warranty, condition, guarantee or undertaking that would be implied into these End User Terms by legislation or otherwise is expressly excluded.
You acknowledge that it is your sole responsibility to ensure that you have express authority from any applicable joint account holders to provide your Authorisation to us, and that your use of the End User Services complies with the terms and conditions of your Online Account.
We will not charge you for our Services. You acknowledge that we may collect your Tax File Number (TFN) information incidentally as part of the End User Services — we do not use or retain it and take steps to redact it before sharing with your Service Provider.
Unless otherwise agreed with your Service Provider, we will fully anonymise any of your Account Information which is retained by us and use it in an aggregated form for developing and refining transaction categorisation and our spend analytics service.
We reserve the right to change or discontinue, temporarily or permanently, any End User Services at any time without notice, and without liability to you. We may update these End User Terms from time to time — please refer to our website for the most up-to-date version.
These End User Terms are governed by the laws of Victoria, Australia. For further information about our privacy practices, refer to our Privacy Policy.
Account Information means information including personal information relating to your Online Account such as your account name/s, addresses, account details, account balances, credit limits, transaction amounts, details including amounts and details of benefits, grants or subsidies received by you, and your income, tax and superfund details.
Authorisation means the authorisation you provide to us under these End User Terms (including, where applicable, authorisation to use your Credentials to access your Account Information).
Credentials means any access credentials, logins and passwords of your Online Account that you provide to us.
End User Terms means these terms.
illion, we, our or us means illion Open Data Solutions Pty Ltd.
Online Account means your online account held with a bank, credit union, financial services provider, government agency or any online portal in Australia.
Privacy Policy means illion's Privacy Policy (as updated from time to time) available at https://www.illion.com.au/privacy-policy-risk-marketing-solutions/.
Services means the services that we provide to your Service Provider from time to time, such as: digital data capture of your Account Information; account verification; income and expense information; transaction categorisation; and an 'illion Transaction Risk Score'.
Service Provider means your service provider (such as a bank, credit union or financial services provider) that has directed you to these End User Terms to provide your Authorisation to us.
For the full terms, visit https://bankstatements.com.au/about/terms.
You are applying for Freestyle The Virtual Credit Account, which is a revolving line of credit. This product allows you to draw up to an approved limit, and re-borrow again up to the approved limit once you pay the limit down. This product has a credit limit of between $1,000 and $20,000, and a loan term up to 60 months for each drawdown. You do not have to provide any security. There is an annual fee of $0 and $149, and a monthly fee of $5 if your outstanding balance is over $20. Please do not proceed unless this product meets your requirements and objectives.
You are applying for a MoneyMe Medium Amount Loan. This product has a credit limit between $2,001 and $3,000, and a loan term between 12 and 24 months. You do not have to provide any security. There is an establishment fee of $295, a $10 monthly fee, but no annual fee. Please do not proceed unless this product meets your requirements and objectives.
You are applying for a MoneyMe Personal Loan. This product has a credit limit between $5,000 and $50,000, and a loan term between 12 and 60 months. You do not have to provide any security. There is an establishment fee between $395 - $495 depending on the credit limit, a $10 monthly fee, but no annual fee. Please do not proceed unless this product meets your requirements and objectives.
Please note that to afford to repay this loan, you will need to reduce your discretionary spending. We have assumed that reducing your discretionary spending to obtain this loan meets your requirements and objectives. If it does not, you should not proceed with the loan. If you are unsure, you can contact us on 1300 669 059
You are applying for a MoneyMe Personal Loan. This product has a credit limit between $2,000 and $35,000, and a loan term between 12 and 60 months. You do not have to provide any security. There is an establishment fee of 10% of the credit limit, a $15 monthly fee, but no annual fee. Please do not proceed unless this product meets your requirements and objectives.
You are applying for MoneyMe+, which is a revolving line of credit. This product allows you to draw up to an approved limit and re-borrow again up to the approved limit once you pay the limit down. This product has a credit limit of between $5,000 and $50,000, and a loan term up to 60 months for each drawdown. You do not have to provide any security. There is an administration fee of $49 or more for each purchase and a monthly fee of $5 if your outstanding balance is over $20. Please do not proceed unless this product meets your requirements and objectives.
You are applying for a MoneyMe Personal Loan for the purpose of debt consolidation. This product has a credit limit between $5,000 and $50,000, and a loan term between 12 and 60 months. You do not have to provide any security. There is an establishment fee between $395 - $495 depending on the credit limit, a $10 monthly fee, but no annual fee. Please do not proceed unless this product meets your requirements and objectives.
5Applications and maximum credit limits are subject to eligibility criteria including credit approval. Other terms and conditions may apply. 6Conditions apply to the interest free period. Refer to the Terms and Conditions for the Account for further information. After the interest free period, an interest rate of 18.74% p.a. to 23.74% p.a. will apply. 7The actual rate that you receive will depend on a range of factors, including your credit score.
Apple Store is a trademark of Apple Inc., registered in the U.S. and other countries. The card facility is issued by EML Payment Solutions Ltd pursuant to license by Mastercard Asia/Pacific Pte. Ltd. Mastercard and the Mastercard brand mark are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.
*The $250 credit back offer is available when you apply and are approved for a new Freestyle Virtual Credit Account from 7 October 2022 to 31 December 2022 (inclusive) and spend $1,000 on eligible purchases within 12 months of card approval. Eligible purchases do not include fees, cash, cash equivalent transactions or illegal transactions, payments to charities, social service, and government agencies, payments for proprietaries and sundries, streaming subscriptions, recurring payments or memberships, gambling, adult dating or escort services and refunds debited from the Freestyle Virtual Credit Account. The $250 credit back will be paid as a statement credit to your Freestyle Virtual Credit Account within 3 days of meeting the minimum spend criteria. Existing Freestyle customers who currently hold a Freestyle Virtual Credit Account are not eligible for this offer. The credit-back offer is limited to $250 per customer.
For how long?
*The payment of .... does not include the $10.00 monthly account fee. Total repayments ...., made up of an establishment fee of ...., interest of .... and monthly account keeping fees of ..... The repayment amount is based on the variables selected, is subject to our assessment and suitability, and other important terms and conditions apply. To view our costs in detail, scroll to bottom of page.**
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You’ll need to log in with the same details used when logging into your internet banking website.
Please note, your password is not your PIN that is used when logging in from your mobile app.
The best way to ensure you’re using the correct details is to firstly log in to your internet banking through your bank’s website. Once confirmed, return to this page and try again.
Please clear your cache, refresh the page and try again. If the issue remains, please try a different device or contact us on 1300 669 059.
We are required by law to make an assessment that a loan contract is not unsuitable to you. We obtain a copy of 90 days of your most recent bank statements to make this assessment.
We may also access your bank statements during the life of your loan for account management purposes, for example if you default on repayments. We access your recent bank statements through a highly secure platform operated by our trusted partner illion - the same technology used by a number of big banks and online companies. This means you can avoid all the messy and time-consuming admin of getting your bank statements and pay slips to us.
It is not possible for us to see or access your online banking password.
Unfortunately if your bank is not on the list, it’s likely we’ll be unable to proceed with your application.
No, only Australian residents are eligible to apply for a loan.
Please select the bank account that your income is paid into. If you have changed banks over the past 90 days you may have to do a second submission, choosing your previous bank. Please note that if you hold multiple accounts with the same bank, your account statements for each of those accounts may be automatically provided to us.
We take a 90-day snapshot of your bank statements
No person has access to your bank account ensuring your info is safe
Before applying for a loan, you should consider alternative methods of funding the stated purpose
Date
Amount
1
15/03/2017
$64.74
2
22/03/2017
$64.74
3
29/03/2017
$64.74
4
05/04/2017
$64.74
5
12/04/2017
$64.74
6
19/04/2017
$64.74
7
19/04/2017
$64.74
78
19/04/2017
$64.74
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BEFORE YOU SIGN
THINGS YOU MUST KNOW
Please note this page forms part of your loan agreement
Your e-signature
To e-sign and finalise your application,
scroll down and tap confirm
BEFORE YOU SIGN
THINGS YOU MUST KNOW
Please note this page forms part of your loan agreement
Your e-signature
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enjoy your new home
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Up to 55 days interest-free on purchases
A low rate from 18.74% p.a. to 23.74% p.a.* applies thereafter.
Fast approval in minutes
Add to mobile wallet to use instantly once approved
Transfer credit to anyone or your own bank account
*The actual rate that you receive will depend on a range of factors, including your credit rating
Enjoy credit back offers at over 2,000
participating stores when you pay with
your Freestyle virtual card
Accessible on the MoneyMe app
Limit
Up to $20,000**
Annual fee
Monthly fee
Interest-free period
Up to 55 days*
Interest rate
A rate from 18.74% p.a. to 23.74% p.a. (based on your credit score) applies thereafter7
*A low rate from 18.74% p.a. to 23.74% p.a. applies thereafter. The actual rate that you receive will depend on a range of factors, including your credit rating.
**Applications are subject to eligibility criteria including credit approval. Other terms and conditions may apply.
Apply online in minutes
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Flexible repayments with no early exit fees
*This comparison rate is based on an unsecured variable rate personal loan of $30,000 for a term of 5 years. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate. $495 establishment fee and $10 monthly fee applies. Comparison as of: 13/07/2023
The difference between your current annual fee and this new annual fee will be payable on a pro rata basis until the next annual anniversary date of your account being approved.
From the next annual anniversary date of your account being approved, the full new annual fee will be payable.
Note that your annual fee is payable by you in equal instalments over the year on the same days that your repayments are due as specified on your statements of account.
Payable from the next annual anniversary date of your account being approved.
Note that your annual fee is payable by you in equal instalments over the year on the same days that your repayments are due as specified in your statements of account
The method of calculating your minimum repayments will change in respect of any drawings made after the variation to the credit limit is implemented, so that any amount utilised within your credit limit will be spread out over a new agreed term of months.
Your current repayment terms will continue to apply to drawings made before the change to the credit limit is implemented.
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Further information on how to activate MoneyMe Express Visa card will be sent to you with your card. Terms and conditions and fees and charges will apply to your use of the MoneyMe Express Visa card.
MoneyMe Pty Limited ABN 40 163 691 236 acts as authorised representative of Emerchants Payment Solutions Limited ABN 30 131 436 532 AFSL 404131 as distributor of the MoneyMe Express Visa card. Cuscal Limited ABN 95 087 822 455, AFSL 244116 is the issuer of the product. Any advice is general advice that does not take account of your objectives, financial situation or needs, so you should consider whether the product is suitable for you before acquiring or activating it. The product is available only to Australian resident MoneyMe members.
The link and verification code has been sent to your email.
The link and verification code has been sent to your mobile.
Verification code has been sent.
The verification link has been sent to your email.
The verification link has been sent to your mobile.
You selected that your future circumstances and
financial position may change.
Can you confirm if you are able to repay this loan?
WARNING: Do you really need a loan today?*
It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.
Check your options before you borrow:
For information about other options for managing bills and debts, call 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.
Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan.
If you are on government benefits, ask if you can receive an advance from Centrelink. www.humanservices.gov.au/advancepayments
The Australian Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.
*This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009
Uploading your bank statements
How much do you need?
For how long?
Repayment
Repayment
Your total repayment will be $654.50. The cost is made up of an 15% establishment fee and a 4% monthly fee. The repayment amount is based on the variables selected, is subject to our assessment and suitability, and other important terms and conditions apply.
Your repayments will consist of an establishment fee of $0 and interest of $0. The repayment amount is based on the variables selected, is subject to our assessment and suitability, and other important terms and conditions apply.
Your repayments will consist of an establishment fee of $800 and interest of $2,400. The repayment amount is based on the variables selected, is subject to our assessment and suitability, and other important terms and conditions apply.
*WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate