Finances falling short of your goals? Get what you need now with a low rate, unsecured personal loan.


Get a low interest rate that stays fixed – so you know exactly what you’ll need to repay.


There’s a one-off $250 set up fee – and then no ongoing fees at all.


Pay your personal loan off early with no penalty.

Have it your way.

Get what you need, without the waiting.

Debt consolidation.

Debt ruling your life? It’s time to step up and take control.

New car.

If your ride is letting you down or cramping your style, we can help you upgrade.

Play hard.

Got your eye on something special? From motorbikes to scuba gear, you could own it now.

Facts & fees.


Word to the wise: you can’t apply for a ME Personal Loan to pay business expenses, bills, to assist with property purchase or tax costs.

Apply now

You’ll need to have

  • about 10 minutes
  • your Australian driver licence or passport
  • some information on your income and expenses

You’ll need to be

  • at least 18 years old
  • an Australian citizen, permanent resident
  • opening an account for personal use
  • the owner of a good credit rating
  • an individual. We do not offer joint accounts.

What happens next

Once you’re approved, it’ll take about two business days for the money to appear in your account.

Help & support.

Extra repayments.

You can make payments into your personal loan any time you want – with no penalties.

Making extra repayments

Direct debit.

Set up automatic monthly, fortnightly or weekly payments with direct debit.

Set up payments

Wrapping up.

Looking to get your loan fully paid up? Find out how it’s done.

Paying it down


Drowning in debt? Check out our series on getting yourself debt-free, ASAP.

Lose the debt


Thinking about changing repayments? Find out how it could affect your loan.

About repayments


Feel like you’re never getting ahead financially? Try these simple budget hacks.

Real-life budgeting

The legal stuff.

The legal stuff.

Personal Loan terms and conditions
  1. Interest rates are current at 06-Dec-2021 and subject to change.
  2. Comparison rate calculated on an unsecured loan of $30,000 for a term of 5 years, repaid monthly. 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.
All applications are subject to lending approval criteria including loan purpose verification. Product terms, conditions, fees and charges apply.