Perth

Fast, easy and online cash

If you live in Western Australia (WA) and looking for cash loans Perth, then you’ve come to the right place. Here at MoneyMe, we offer credit customers fast approvals for cash loans Perth, with a lightning-fast online application process that is painless to navigate and can be completed in a matter of minutes. Our personal loans are available up to $50,000 to cover anything that you need quick cash access for.

Cash loans online are designed to be fast to apply for and faster to get approved for. We don’t request reams of paperwork or talk your ear off over the phone. Everything is taken care of online so you probably won’t even need to speak with us. Once you’re approved for your cash loans Perth, we arrange for fast transfer of your new funds. Depending on who you bank with, this could be the same day that you were approved. 

If you’re looking for cash loans Perth then you are probably asking: how much can I borrow? How much you can borrow will depend on a range of different factors. We are committed to responsible lending which means that we will extend our range of credit options only to customer who we believe can comfortably afford to repay them. This includes short term loans our cash advance loans that have been designed to offer you quick access to funds between pay days. When you take our small loans, you can use your funds to help pay for sudden expenses like repairs to your vehicle or for help moving to a new house. If you’re a rental tenant, then you are probably already aware of the kind of costs associated with moving. We also offer a bond loan and rent assistance options for people looking for cash loans Perth to manage everyday bills and expenses and get in front of your finances.

 Moving house is one of the biggest stress events likely to occur in your life. If you’re a renter, then it’s pretty regular stress and you’ve probably got a slick system for moving quickly and as painlessly as possible. But what about the costs associated with moving? Cash loans Perth from MoneyMe are express loans designed to help you cover those expenses upfront, getting them out the way, so you can focus on enjoying your new home in Joondalup, Rockingham, Fremantle, Armadale, Mandurah, Bunbury or in Perth. Repayments are regular and tailored for affordability so you can absorb them into your day to day living expenses comfortably.

Quick funds for any-time use

MoneyMe’s Freestyle Virtual Credit Account  Virtual Credit Card is a fast and flexible credit option for people who want to borrow and repay their credit on their own terms. More than just a traditional credit card, this option pre-approves you for credit amounts from $1,000 to $10,000 but instead of another plastic card to add to your wallet, it lives in your smartphone. You can use it to Tap n Pay in-store, shop online or transfer money straight to your account or anyone.

With Freestyle, you don’t have to use the funds that you’re pre-approved for, but you know that they’re always there just in case. It works by offering you a revolving line of credit that you can draw down in the form of quick loans when you need them and then either repay your small loans in full or on regular, scheduled payments. Freestyle also comes with up to 55 days interest-free feature that you can use on purchases. 

You can use your virtual credit card to help pay for things like flights or cheap holidays when they’re on special. Or, if you’re planning a slightly bigger trip or want to ensure that you have everything booked and paid for ahead of time, consider a travel loan. With easy to manage monthly repayments, your entire trip can be booked and ready fast and you can slowly pay it off over a few years instead of madly trying to save. 

To be eligible to apply for our cash loans Perth, which includes either our personal loans Australia or our revolving line of credit option, you must be at least 18 years old, a permanent resident of Australia and currently employed. 

If you need cash loans Perth for something like a car loan, and you don’t have the best credit file or have had some issues with credit recently, you may find that applying for a smaller credit product will help you repair your credit file. Our easy loans are available for balances as low as $1,000 and when we see that you’re a great credit customer. You can help repair your credit file and increase your chances for larger loan amounts offered at lower fees. 

We are a responsible money lender and we take our responsibility to ensure that all of our customers can manage their credit products very seriously. Small personal loans can be hard to manage when things aren’t going well. We’re here to help and we can tailor a repayment schedule that eases the pressure until you have your feet under you again. Alternatively, our cash loans are also great for cleaning up messy finances and getting in front.

How much can I borrow?

We offer a range of online tools including a personal loan calculator to help you answer all important credit questions before you submit your online application. These tools are designed to give you an idea of what kind of costs you’ll pay for an unsecured personal loan from MoneyMe. 

When you use our online calculators, you can change the personal loan interest rates in the inputs field and use our personal loan repayment calculator to check how much interest will be payable over the entire course of the loan term. This will also help you budget for possible monthly repayments across all of our same day loan products. For example, you can use the calculator to get an idea of repayments for something like our renovations loan and then factor in what your mortgage repayments or other financial commitments are to get an idea of loan affordability.

As the Gen Now credit provider, we offer unsecured loans and credit options for customers who don’t have time for lengthy application processes. We offer fast cash loans Perth when you need them. If you come across an amazing deal on a new vehicle then we are the money lender you go to for a 5-minute application form and fast approval process. We’ll help you get approved for same day cash loans like a boat loan or a car loan that puts you behind the wheel sooner rather than later. Our student loans are designed to help new and returning students manage the costs associated with higher education like equipment needed or even tuition fees.

The MoneyMe range of cash loans Perth include approvals for balances up to $50,000. Apply quickly and completely online with an intuitive online form that doesn’t need a whole lot of corroborating paperwork. Start right now with our quick loan approvals and easy online application.

How do you calculate loan repayments?

Understanding what fees and charges are involved with your loan, like an establishment fee or early termination fees, can be hard to get your head around. Here at MoneyMe, we don’t impose early exit fees for early repayments. You can pay out your loan in full before it’s due and we’ll be happy to close out your account ahead of schedule. When you’ve shown that you’re a low-risk credit customer who pays back what they owe regularly, or early, then you may be eligible for a better rate for your next credit product with us. We also don’t agree with hidden fees. We’re very transparent and explain everything we need from you before you sign a contract.

If you’re interested in knowing more about your repayment calculations, feel free to send us a message at hello@moneyme.com.au or you can give us a call on 1300 669 059. It’s also a good idea to consult MoneySmart, an Australian government website that helps people have access to relevant information and better manage their money. You can access budget calculators and a loan calculator to help you understand interest rates and how these affect your loan repayments.

Loans tailored to your financial needs

You can start your same day loan application online right now by completing our easy online form. When you apply online, we retrieve a read-only copy of the last 90 days of your bank statement using a secure and safe portal from our partner illion Open Data Solutions. Rest assured we do not store or have access to your banking details. They are protected by SSL encryption, the same encryption levels that your bank uses.

We can offer fast cash loans tailored to your financial circumstances. You can use our fixed-rate loans for a variety of purposes. Use it for purposes such as managing bills and debts, fast bond payments on a rental property, holiday and wedding deposits, or a quick cash advance while waiting for your next pay cycle. Our line of credit option acts like a virtual credit card and can be used for Tap n Pay in-store, online purchases and a redraw facility. With MoneyMe, we believe in easy money and you have the freedom to use it in any way you like.

We make it fast and simple to access personal loans when you need them. Start your application for loans online right now and get approved in minutes.

Manage your debts easily

Consolidation loans is a great way to manage your finances. It helps you simplify a large amount of loans by generating a fixed interest rate repayment schedule that will assist to move you out of unmanageable debt and into a much more stable credit. When you choose a consolidation loan to refinance, your prospective lender will look at how much you earn, what your living expenses are, and what your financial commitments are to multiple providers.

Generally speaking, when you consolidate your debts you end up paying less in repayments for a single loan than you would trying to pay off your other credit separately, as you swap multiple loans with higher interest rates with one loan with a better rate.

With MoneyMe, you can access personal loans online for consolidating your debt. And because we love rewarding our good customers, you may be eligible for an even cheaper interest rate on new loan offers if our system reflects a positive repayment history under your account.

Do Cash loans affect your credit score?

While you might think that cash loans Perth may hurt your credit score, they also have some benefits depending on how you utilise them. As having a good credit score is important, MoneyMe makes the process quick and gives you the lowest possible rates depending on your needs.

To begin talking about cash loans Perth and how they can affect your credit score, we need to first look at what a cash loan is. At its simplest, a cash loan allows you to borrow money from loan companies or financial institutions (like banks) for various purposes. This can range from simple rent and electricity bills payments to expensive home improvement costs such as backyard paving.

Cash loans Perth could potentially help your credit score improve if they are managed responsibly. However, note that the opposite can happen if they are mismanaged. One way that cash loans Perth can help your credit score is if you pay repayments on time.

Demonstrating that you can consistently meet your cash loan Perth repayments throughout a certain period could help establish positive repayment history, which will be the basis of establishing your credit score. 

Many major banks in Australia now use comprehensive credit reporting (CCR), which gives lenders a more comprehensive assessment and statement of a borrower’s ability by marking good habits in finances. 

Being a reliable borrower is one of the conditions that contribute to an improved credit score. You need to showcase your ability to cover repayment fees and expenses on time. Generally, as long as you maintain consistent repayments on your loan, there’s virtually no negative impact on your credit.

When used responsibly, personal loans could potentially help your credit score if you make repayments on time when used responsibly. We at MoneyMe can assist you with getting cash advance Perth efficiently, whether it’s for a passion project or a new appliance purchase.

How to apply for a cash loan in Perth?

At MoneyMe, we offer our customers an easy and straightforward online application process for cash loans Perth. 

On our online application form, you will be asked standard questions regarding your income, home loan payments, or rental payments if you are a renter, as well as any current bills and debts you may have. When you apply, you’ll be asked to enter both a target loan amount and the purpose of your loan, such as a car loan.

We determine if you are eligible for cash loans Perth through our standard practice, which is to access your credit report to understand your credit history. The credit assessment is one part of the application process, and all applications are carefully considered. 

There’s no need to worry if your credit report isn’t as good as you’d like it to be. We understand that your credit history does not present a full picture of your financial status. You will, however, likely have to pay more for the loan if you have a poor credit history. Higher interest rates usually accompany weaker credit files for unsecured personal loans. 

You will know if your financed amount has been approved within minutes when you apply during business hours. Following approval, you will receive a loan offer showing you the interest rate you have been charged and the comparison rates. You should pay attention to the comparison rates. In this case, you will see how much the total loan will cost you. 

Variable interest rate loans fluctuate in repayment amount throughout the loan term, while fixed-rate personal loans maintain the interest rate throughout the loan term. When determining the comparison rate for cash loans Perth, you should always check a variable rate loan and its associated costs against a fixed-rate loan.

As a responsible lender, we want you to be comfortable with your monthly repayment. When you have successfully repaid a loan with MoneyMe, we update your MoneyMe credit rating and may be able to offer you a lower rate and fees on your future loans with us.

What types of fees are charged for cash loans?

When you finalise your account for our cash loans Perth, you are charged an establishment fee based on the amount loaned and a regular monthly fee. 

In addition to the establishment fee and monthly fee, we charge a rate of interest starting from 6.95% per annum. If you do not make your scheduled loan repayments, you may be subject to other fees and charges based on our terms and conditions. While other services charge an early repayment fee, with MoneyMe, you can opt to pay your loan in advance, so it’s best to make it a habit. 

The borrower’s credit history primarily determines interest rates. In addition to your total income, your debt obligations and living expenses can also affect the interest rate you receive. Ensuring that your credit report is as good as possible is a quick and easy way of giving yourself the best chance to secure the lowest possible interest rate offered.

Enjoy fast approvals on every type of finance – from loans to purchase a new car to loans for investment purposes and more. MoneyMe also offers a secure, easy approval credit card with insurance and the ability to make cash advances, allowing you to transfer funds to your bank account instantly. This is great as it can offer you a means to get emergency cash and fast loans all within minutes.

There are times in life when a little extra money can make a big difference. MoneyMe cash loans Perth offer competitive interest rates and low fees while providing you with the cash you need. 

From urgent cash loans to small loans Perth, apply online with us for quick cash today at an affordable loan interest rate.