You should be able to see how we get paid before you act on anything we show you. This page explains it in plain English, and points you to our credit guide for the full detail.
Downloading WeMoney, seeing your credit score, connecting your accounts and comparing personal loan products from the credit providers on our panel costs you nothing. We do not charge you a fee for credit assistance.
"Our credit assistance services are provided to you at no cost. You do not pay us any fees for using the WeMoney app or for any credit assistance we provide." WeMoney Credit Guide, section 4, How We Are Paid
WeMoney Pro is optional. It is a separate paid plan that unlocks premium features such as unlimited custom categories, desktop accounts and transactions, Equifax credit fraud detection, automatic goal tracking and an ad-free experience.
The published price is: "Your first week's on us. Then, $9.99/month, billed monthly." You can try it free for 7 days and cancel any time.
A subscription renews automatically, either monthly or annually, and you can choose between a monthly or annual subscription. Our published cancellation route is the App Store.
You do not need WeMoney Pro to compare or apply for a loan. Our credit assistance is provided at no cost whether or not you subscribe.
This is the main way the free part gets funded. When you successfully take out a loan through WeMoney, the credit provider pays us.
"We receive payments from credit providers when you successfully obtain a loan through our service." WeMoney Credit Guide, section 4, How We Are Paid
A commission we receive is paid by the credit provider, not added to your loan by us. The credit provider sets your rate and your fees, not us.
"The commissions we receive do not affect the interest rate or fees you pay on your loan. These are set by the credit provider." WeMoney Credit Guide, section 4, How We Are Paid
If you want the detail, ask us using the contact details in our credit guide. As that guide says: "You can ask us for more details about the commissions we receive from particular credit providers."
WeMoney does not lend you money. We help you compare and apply, and the credit provider decides.
"We do not provide credit ourselves. When you apply for a loan through the WeMoney app, you are applying directly to the credit provider, not to WeMoney." WeMoney Credit Guide, section 2, Our Services
That also means we cannot approve you. Every lender makes its own assessment of every application, and applying through WeMoney is not an approval, an offer of credit or a guarantee.
We want to be blunt about the limits of what you are seeing.
WeMoney compares products from its partner lender panel only. It does not cover every provider or product in the Australian market.
There are lenders and products in Australia that we do not show you, because they are not on our panel. If a product is not on our panel, it will not appear in the app, no matter how it compares. We do not claim to show you the whole market, and we do not claim to find you the cheapest loan available anywhere.
The credit providers we work with on personal loan products, copied from our credit guide on 29 July 2026. Our credit guide is the current list, and it can change.
"Our panel may change from time to time. We will update this Credit Guide when there are material changes to our panel." WeMoney Credit Guide, section 3, Credit Providers on Our Panel
The credit guide is always the current source of truth for the panel. Read it at wemoney.com.au/policies/credit-guide.
Yes. Our credit guide states that "Our credit assistance services are provided to you at no cost. You do not pay us any fees for using the WeMoney app or for any credit assistance we provide." The free app is funded mainly by the commissions lenders pay us when a loan settles, and by members who choose to subscribe to WeMoney Pro. WeMoney Pro is the only thing on this page you pay us for, and it is optional.
What we can tell you from our credit guide is this: commissions are paid to us by credit providers when a loan settles, they are made up of upfront commission and, where applicable, trail commission, and "The commissions we receive do not affect the interest rate or fees you pay on your loan." You can also ask us for more details about the commissions we receive from particular credit providers. What this page does not tell you is whether every lender pays us at the same rate, so please do not read the answer above as a claim that they all pay the same.
WeMoney Pro is our optional paid subscription. It adds premium features on top of the free app, including unlimited custom categories, desktop accounts and transactions, Equifax credit fraud detection, automatic goal tracking and an ad-free experience. The published price is "Your first week's on us. Then, $9.99/month, billed monthly." You can try it free for 7 days and it renews automatically, either monthly or annually. Our published cancellation route is the App Store.
WeMoney Pty Ltd, ABN 88 633 007 860, holds Australian Credit Licence 526330. Information on this website is general in nature and is not financial or credit advice. It does not take into account your objectives, financial situation or needs. Consider whether it is appropriate for your circumstances, and read our Terms of Use, Credit Guide and Privacy Policy before acting on it. For full details of our services, our panel and how we are paid, read the WeMoney Credit Guide.
ABN: 88 633 007 860 WeMoney Pty Ltd
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Australian Credit Licence (ACL): 526330
WeMoney acknowledges and pays respect to the past, present, and emerging Traditional Custodians of the land in which we live and work.
Information on this website is general in nature and is not financial or credit advice. It does not take into account your objectives, financial situation or needs. Consider whether it is appropriate for your circumstances, and read our Terms of Use, Credit Guide and Privacy Policy before acting on it.
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