Simple, transparent pricing

No hidden fees. Your rate is fixed for the life of your loan, determined by your initial LVR.

Transparent rate tiers

Your rate is fixed for the loan term, determined by your initial LVR

Conservative

p.a. fixed

LVR ≤ 30%

Moderate

11%

p.a. fixed

LVR 31–40%

Standard

13%

p.a. fixed

LVR 41–50%

Adjust the amount, risk tier, and term to see your personalised estimate

BTC/AUD: $150,000(fallback)

Loan amount$150,000

$5K$100K

Risk tier (LVR)

Loan term

Collateral required

$300,0002.0000 BTC

Interest rate13% p.a.

Comparison rate*14.50% p.a.

Est. monthly repayment$14,125

*Comparison rate includes 1.5% establishment fee over the selected term. Based on $150,000 over 12 months.

Terms 3–84 months • Bitcoin collateral

Simple, transparent fees with no hidden charges

Fee	Amount	Note
Establishment fee	1.5% of loan amount	One-off, deducted from disbursement
Monthly account fee	$0	No ongoing account fees
Early repayment fee	$0	Repay anytime without penalty
Collateral transfer (in)	Network fees only	Standard Bitcoin network fees apply
Collateral release (out)	Network fees only	On full repayment or excess withdrawal
Late payment fee	$35	Per missed scheduled payment
Margin call admin fee	$0	No fee for margin call events

The best of regulated lending meets crypto flexibility

Feature	MoneyMe Block	Traditional Lender	DeFi Protocol
Regulation	ACL + AUSTRAC + NCCP	Fully regulated	Unregulated
Custody	Fireblocks institutional MPC	N/A (no crypto)	Smart contract
Max LVR	50%	80%+	75%+
Interest rate	9–13% p.a.	6–15% p.a.	Variable (0–50%+)
Loan range	$5K–$100K	$5K–$1M+	No limit
Liquidation protection	48hr cure + 85% safety cap	N/A	Instant, no warning
Collateral insurance	Yes (Fireblocks)	N/A	No
Dispute resolution	AFCA	AFCA	None

Pay off your loan anytime without penalty.

You only pay interest on your outstanding balance.

Your rate won't change for the life of your loan.

Get a quote in 2 minutes with no credit impact.