What MoneyMe does

MoneyMe (ASX: MME) is an Australian digital lender and non-bank challenger founded in 2013 and headquartered in Sydney. The company provides unsecured personal loans ($5,000-$70,000, 6.24%-25.85% p.a.), secured and unsecured car loans via its Autopay broker/dealer channel (up to $150,000), debt consolidation products, and since March 2026 its first Cashback Rewards Credit Card on Mastercard. Customers are Australian consumers ranging from prime to near-prime credit profiles, plus car dealers and finance brokers served through Autopay; B2B distribution is supplemented by a white-label credit card partnership with Luxury Escapes.

The company operates a 100% digital application and underwriting platform with same-day approvals (as fast as 60 minutes, with broker-channel settlements as fast as 5 minutes), AI-powered tax invoice processing for Autopay, a free credit score tool, and a mobile app on iOS and Android with Apple Pay and Google Pay integration. Technology infrastructure includes cloud storage via Azure Blob Storage, automated risk-based pricing, and digital partner portals for brokers and dealers. Certifications include Australian Credit Licence 442218, ISO 27001:2021, B Corp, Great Place to Work, and Science Based Targets initiative validation.

MoneyMe earns revenue primarily through interest income on its personal, car, and credit card loan book (now $1.75 billion, +26% YoY in 1H26), supplemented by establishment fees ($0-$495), $10 monthly account fees, $149 annual credit card fees, and securitisation economics. Operating cash profit reached A$9.9 million in 1H26, with Q1 FY26 revenue of A$58M. The business is funded through a mix of equity (including the A$37M placement in March 2023 and subsequent rounds), a A$300M credit card warehouse facility, and the A$455.4M AAA-rated Autopay ABS 2025-1 Trust. MoneyMe acquired SocietyOne for up to A$132 million in December 2021 to expand its lending platform and customer base.

Name

MoneyMe

Legal name

MoneyMe Limited

Website

https://moneyme.com.au

Company type

Public

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

MoneyMe is an ASX-listed Australian digital lender offering personal loans, secured and unsecured car loans via the Autopay broker channel, debt consolidation, and a newly launched Cashback Rewards Credit Card, serving Australian consumers across the prime to near-prime credit spectrum through a 100% digital platform.

Ownership category

akta.pro rank

Product category

Consumer Digital Lending

NAICS

Sales Financing (522220)

SIC

Personal Credit Institutions (6141), Asset-Backed Securities (6189)

akta.pro primary industry

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

Keywords

• Personal loans
• Digital lending
• Car loans
• Cashback credit cards
• Debt consolidation

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Technology or R&D, Personnel, Marketing or Sales, Others

Revenue model

1. Interest Income — Personal Loans: Interest charged on personal loans (secured and unsecured) ranging from 6.24% p.a. to 25.85% p.a. APR depending on credit profile. Loan amounts from $5,000 to $70,000 with terms 3–7 years.
2. Interest Income — Credit Card: Interest charged on revolving credit card balances at 19.99% to 26.99% p.a. when customers carry a balance beyond the interest-free period (up to 44 days).
3. Autopay Car Loans: Interest-bearing car loans up to $150,000 through the Autopay broker/dealer channel, including secured and unsecured options.
4. Establishment Fees: One-time establishment fees: $0 for excellent credit history, $395 for loans up to $15,000, $495 for higher loan amounts.
5. Monthly Fees: Monthly fee of $10 applies to all personal loans.
6. Credit Card Annual Fee: Annual fee of $149 for the Cashback Rewards Credit Card.
7. Cashback Rebates: Cashback rewards credited to credit card accounts monthly (1% on everyday purchases, 3% promotional on fuel), representing a cost/rebate outflow rather than revenue.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

MoneyMe is an ASX-listed Australian digital lender that issues unsecured personal loans ($5,000–$70,000, terms 3–7 years), car loans (Autopay up to $150,000 through dealers/brokers), and the Cashback Rewards Credit Card directly to consumers via a 100% online, AI-underwritten platform. The company monetises through interest income, establishment and monthly fees, and credit card interest and annual fees, with a loan book of $1.75 billion as of 1H26.

Product overview

MONEYME is a digital lending platform and ASX-listed fintech offering a portfolio of unsecured personal loans, secured car loans (Autopay), and credit cards. The core product suite includes personal loans ($5,000-$70,000) for various purposes (debt consolidation, home renovation, medical, wedding, travel, refinance) alongside the Autopay secured car loan product for dealers/brokers (up to $150,000), and the Cashback Rewards Credit Card launched in 2026. A free Credit Score Tool and Mobile App provide customer engagement and account management. The Autopay Partner Portal enables broker/dealer integrations for car financing. The company acquired SocietyOne in 2021 to expand its lending capabilities and customer base.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Loans Unsecured personal loans from $5,000 to $70,000 with variable rates from 6.24% p.a. and comparison rates from 6.95% p.a., terms 3–7 years, no early repayment fees, fully online application, same-day funding and personalised risk-based pricing for Australian consumers.
• Autopay Car Loans Secured and unsecured car loans (including for new, used and electric vehicles) up to $70,000 direct and up to $150,000 via the Autopay broker/dealer channel, with application-to-settlement times as fast as 5 minutes and coverage of private car sales.
• Cashback Rewards Credit Card Mastercard credit card offering 1% flat cashback on everyday purchases (capped monthly), 3% promotional cashback on fuel (April 16 – June 30, 2026), up to 44 days interest-free, mobile phone insurance up to $1,500/year, purchase protection up to $750/year, ticket cover up to $1,200/year, credit limits $1,000–$20,000, $149 annual fee, interest 19.99%–26.99% p.a., and instant Apple Pay/Google Pay integration.
• Debt Consolidation Loans Loans up to $70,000 combining multiple debts (credit card balances, personal loans, car loans, retail finance, medical bills) into a single repayment with potential interest savings, using the same digital application process as core personal loans.
• Home Renovation Loans Unsecured personal loans for kitchen upgrades, bathroom remodels, landscaping, roofing, solar installation and home extensions, from $5,000 to $70,000 over 3–7 years.
• Medical Loans Unsecured personal loans for dental, fertility, elective/cosmetic procedures, hospital admissions, physiotherapy, mental health therapy and prescription medications, from $5,000 to $70,000 over 3–7 years.
• Wedding Loans Personal loans to fund wedding expenses including venue hire, catering, photography, attire, entertainment, florals, honeymoons and vendor deposits, from $5,000 to $70,000 over flexible 3–7 year terms.
• Travel Loans Personal loans for holidays, honeymoons, flights, accommodation, tours, travel insurance and rental cars, with 100% digital application and fast approval and funding.
• Refinance Loans Personal loan refinancing product enabling customers to replace existing loans with better rates, with no early exit fees and competitive interest rates.
• Credit Score Tool Free credit score checking and monitoring service accessible via the MONEYME app and website, providing credit file insights, score tracking over time and personalised improvement advice without impacting the user's credit score.
• Autopay Partner Portal Digital B2B platform for car dealers and finance brokers to submit, track and settle car loan applications, featuring AI-powered tax invoice processing, 24/7 loan funding, and support for individual and commercial clients with loans up to $150,000.
• MONEYME Mobile App iOS and Android mobile application for applying for products, tracking applications, managing loans and credit cards, viewing balances, making repayments, accessing cashback rewards, monitoring credit score, and provisioning the digital card to Apple Pay and Google Pay.

Quantifiable outcome

• Loan book grew 26% year-on-year to $1.75 billion in 1H26
• +4 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature7 records

Partnerships

Eight partnerships are on record, tiered minor and core.

• World VisionminorStrategic or Co-development Partner · 1 January 2024MONEYME sponsors a child on behalf of every Australian employee through World Vision, with all sponsored children living in Busakira, Uganda. For every child sponsored, four more children benefit through World Vision's community-focused model supporting clean water, food, health, and education.
• SocietyOnecoreStrategic or Co-development Partner · 17 December 2021MoneyMe, an ASX-listed fintech, acquired SocietyOne (another Australian personal loan marketplace) for up to A$132 million total consideration in December 2021. The acquisition enhanced MoneyMe's revenue, customer base, and operational efficiency, accelerating originations, cost efficiencies, and expanding distribution channels by leveraging SocietyOne's customer base and partnerships.
• Luxury EscapescoreOEM/ Whitelabel/ Licensing PartnerMONEYME launched a white-label credit card partnership with Luxury Escapes, a premium travel platform, expanding into the B2B white-label credit card issuance channel and gaining access to Luxury Escapes' customer base.
• EvnexminorGTM or Marketing PartnerMONEYME partnered with Evnex to provide discounted home EV charging solutions for MONEYME Autopay customers who purchase an electric vehicle. Only available for eligible vehicles and applicants.
• CanteenminorStrategic or Co-development PartnerMONEYME is a partner of Canteen, an organization supporting young people affected by cancer. MONEYME's sustainability page lists Canteen among its partnership portfolio.
• Science Based Targets initiative (SBTi)minorStrategic or Co-development PartnerMONEYME's operational emissions targets are validated by the Science Based Targets initiative, aligning its greenhouse gas reduction goals with global climate science requirements.
• PCAF (Partnership for Carbon Accounting Financials)minorStrategic or Co-development PartnerMONEYME measures financed emissions linked to its motor vehicle loans through PCAF, giving insights to improve products and reduce environmental footprint.
• GreenPowerminorStrategic or Co-development PartnerMONEYME sources renewable energy for its offices through GreenPower, supporting Australia's path to Net Zero and reducing its operational environmental footprint.

Scale indicators16 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Liberty Financial: Liberty Financial is an Australian non-bank lender offering personal loans, asset finance, and securities-backed lending. Its risk-based pricing model and focus on customers underserved by major banks makes it a direct competitor in MoneyMe's core unsecured personal loan market.
• Humm Group: Humm Group is an Australian BNPL and consumer finance provider offering interest-free instalment plans and personal loans through retail and broker channels. Its 'pro' division provides larger-ticket financing up to A$30K that overlaps with MoneyMe's personal loan and Autopay product set, particularly for near-prime consumers.
• Pepper Money: Pepper Money is a leading Australian non-bank lender specializing in residential mortgages, asset finance, and personal loans to non-conforming and self-employed borrowers. It directly competes with MoneyMe's personal loan business for similar near-prime borrower segments using risk-based pricing.
• Plenti Group: Plenti (formerly Prospa) is an ASX-listed Australian fintech lender providing automotive, renewable energy, and personal loans. Its technology-led, direct-to-consumer model and focus on underserved borrower segments directly parallels MoneyMe's digital-first approach to non-bank lending.
• Resimac: Resimac is an Australian non-bank lender specializing in prime and near-prime residential mortgages, asset finance, and personal loans. As an ASX-listed challenger to major banks with a similar risk-based pricing model, it directly competes with MoneyMe for non-bank consumer credit demand in Australia.
• Latitude Group Holdings: Latitude Group Holdings is an ASX-listed Australian and New Zealand consumer lender offering personal loans, credit cards, and BNPL products. It is the closest direct peer to MoneyMe in product mix, target customer (near-prime to prime consumers), and regulatory positioning as a non-bank challenger to major banks.

Regional players

• SoFi Technologies: SoFi is a US-listed digital financial services platform offering personal loans, credit cards, and other consumer banking products. While operating in a different geography, SoFi represents the global digital lender archetype — combining technology-led underwriting, direct-to-consumer distribution, and a diversified product set that MoneyMe is building toward in Australia.

Emerging players

• Athena Home Loans: Athena is an Australian digital non-bank lender focused primarily on residential mortgages, but it shares MoneyMe's digital-first, technology-led approach to lending and competes for similar digitally-engaged borrowers who prefer challenger alternatives to major banks.
• Tiimely (formerly Beforepay): Tiimely is an ASX-listed Australian fintech offering earned-wage access, personal loans, and a 'buy now, pay smarter' product. While smaller and earlier-stage, it competes with MoneyMe in the digital personal lending space targeting similar underbanked or under-served consumer segments in Australia.

Broad incumbents

• Zip Co: Zip Co is an ASX-listed Australian BNPL and consumer credit provider with broader product breadth spanning BNPL, instalments, and a credit card product. While not a perfect overlap with MoneyMe's personal loan focus, Zip competes for the same digitally-engaged millennial consumer credit demand and offers a comparable technology-led value proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/moneyme
• Facebookfacebook.com/MoneyMeLoans
• LinkedInlinkedin.com/company/moneyme
• Instagraminstagram.com/moneyme_au

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries4 records

Funding overview

Funding rounds6 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MoneyMe