✅ Helped over 450,000 Australians

Insider tips to get the best possible interest rate and strategies to structure your loan to benefit you

A guide from the lending team at MONEYME that uncovers how the lending industry typically reviews loan applications and determines your interest rate.

  • Simple steps to boost your credit score and get the best interest rate
  • Insider tips on meeting loan criteria and avoiding common mistakes
  • Discover how lenders calculate your borrowing power and maximum loan amount
  • Preparing your bank statements for success
  • Using expert strategies to get a better deal

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BONUS! We’ll also send you a 3-part email series that gives you behind-the-scenes insights you should know before you apply for a personal loan.

Why do we want your email?

Our goal is that you'll find our guide and 3-part email series valuable and helpful so that when you decide to apply for a personal loan, you consider getting a quote with MONEYME. Plus, we’ll occasionally send you special offers.

You can easily opt-out any time and we guarantee no spam or selling of your data.

A breakdown of what’s included

Part 1: What determines your interest rate

  • The importance of your credit score to your rate
  • Other factors that can influence your rate
  • Tips to improve your score before you apply

Part 2: Loan criteria and common mistakes

  • Major eligibility factors
  • What to avoid doing before you apply
  • Why lenders have different eligibility criteria

Part 3: How lenders decide if you can afford a loan

  • Understanding what serviceability is
  • How it impacts your maximum loan amount and approval
  • How lenders typically calculate and benchmark expenses

Part 4: How lenders decide if you can afford a loan

  • Overview of why lenders use bank statements
  • Red flags that you can easily avoid
  • Providing your bank statements securely online

Part 5: Expert strategies to get a better deal

  • How to spot a good offer
  • Selecting the right loan terms to suit your needs
  • Consolidating credit cards when you apply

Who is MONEYME?

We’ve helped over 450,000 Australians achieve their goals with our award-winning personal loans, car loans, credit cards and credit score tool. We’re a responsible lender and BCorp Certified, meaning we care for our people and planet which is measured and held accountable each year.

Get a copy sent to your inbox!

BONUS! We’ll also send you a 3-part email series that gives you behind-the-scenes insights you should know before you apply for a personal loan.

Why are we giving away our insider knowledge?

Applying for a personal loan is a big step, and we want to make sure you’re set up for success. That’s why we’re sharing insider tips straight from our lending team at MONEYME.

This guide is packed with practical advice to help you avoid common pitfalls and present yourself as a strong candidate when applying for a loan with any lender so you can lock in the best possible rate and have the best chance of approval.

We’re doing this to provide you with real insights and genuine value. If, after reading the guide, you decide to explore personal loan options, we’d love for you to consider getting a quote from us—without impacting your credit score, and with absolutely no obligation. But even if you choose to go elsewhere, we’re happy knowing we’ve helped you along the way.

What our customers say

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Average rating: 4.6, based on 3400 reviews
Legal Seafood MoneyMe Financial Group Pty Ltd AUD 1300 090 949 media@moneyme.com.au xx
Level 7, 352 Hunter Street Sydney NSW AU 2000

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Get a copy sent to your inbox!

BONUS! We’ll also send you a 3-part email series that gives you behind-the-scenes insights you should know before you apply for a personal loan.

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