Ugo Money

Urgent top up to your bank account? Get cash within minutes with Ugo.

Ugo is a leading provider of fast access to loans - licensed as an Australian Credit Provider since 2008. The Ugo app manages your credit application with a process that is smooth, convenient and fast.

Create a Ugo account to securely apply for credit and check your existing accounts. With the Ugo app you can check your balance, your upcoming payments and your payment history for each of your Ugo accounts, and apply for a new loan when you need it. The built in message function allows you to securely send and receive messages from Ugo. So if anything pops up, you always have a quick and secure way to get in touch and get tailored, individual service.

Can I get paid instantly?
Yes, if you're with any major bank (eg CBA, ANZ, Westpac, NAB etc), once your loan is approved the transfer of your loan funds is instant. Smaller banks can take from a few hours up to 1-2 business days.

How much does Ugo cost?
The app is free to download and apply for a loan. If you get approved, you'll be offered a credit contract tailored to your needs with fees, terms and charges clearly explained. Our fee statement below makes our fees simple and up front. Any of the below fees that apply to your loan will also be stated in your loan contract. Loans are governed by Australian lending regulations, only permitted fees apply.

Disclosures Related to Applications for Credit:
All loans have a minimum repayment period of 60 days, and the maximum repayment period for loans is 12-24 months.
SACC Loans - Loans from $0 to $2,000
Loans up to $2,000 are referred to as SACCs (Small Amount Credit Contracts)
Establishment Fee: 20% of the principle borrowed a one-off fee at the beginning of the loan
Monthly Fee: 4% of the principle borrowed
Charged per month or part thereof, where there is an outstanding debt balance
There is no APR applicable to Small Amount Credit Contracts


MACC Loans - Loans from $2,001 to $5,000
Loans from to $2,001 to $5,000 are referred to as MACCs (Medium Amount Credit Contracts)
Establishment Fee: $400 (a one-off fee at the beginning of the loan)
Interest: 47.5% per annum charged monthly in arrears
Comparison Rate: 65.7% (see example loan below)
There are no extra fees for early payment of the loan.
Example Loan
Loan Advance $2,500.00
Establishment Fee $400.00
Amount Financed $2,900.00
Interest Rate 47.5% pa
Loan Term 24 months
Payments: 24 due Monthly
Regular: $189.45
Final: $189.08
This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different rate. This is a prescribed calculation, Ugo may not offer loans for $2,500 over a term of 2 years.
Late or Missed Payments
Dishonour Fee $15
Charged each time a direct debit or other payment is not made in full and on time
This fee includes our reasonable internal administrative costs and external third-party costs
Default Fee $27