---
title: "Ugo Money - Reviews, Revenue and Downloads in Australia | Apple App Store"
description: "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 yo"
---

# Ugo Money — Australia
> Apply instantly, fast approval

![Ugo Money App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/5f/c7/79/5fc77997-aa28-1f6d-c6b1-b30dc39c718d/AppIcon-0-0-1x_U007emarketing-0-8-0-85-220.png/400x400bb.png)

**Developer:** [Ugo Ugo Pty](https://apptail.io/developer/ugo-ugo-pty-FGod)
**Category:** Finance
**Rating:** 4.3/5 (668 ratings)
**Price:** Free
**Bundle ID:** com.ugo.money
**Store:** Apple App Store
**Country:** Australia
**Version:** 2.0.1 (released 2026-07-22)
**Original Release:** 2021-07-07

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/au/app/app/id1570401899)
**AppTail Page:** [https://apptail.io/app/ugo-money-dRyk/australia](https://apptail.io/app/ugo-money-dRyk/australia)

## Ugo Money Description
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 per 7 days
To cover reasonable costs of administering your account while it remains in default
Reschedule Fee $15
Charged each time a repayment is rescheduled
This is a service fee which includes our reasonable internal administrative costs This fee is not charged on SACC accounts
Enforcement Expenses
The costs paid to third parties to recover accounts in default

Where can I get help?
You can message us through the app, or by email to ugo@ugo.money. If you happen to be in Melbourne, you can also visit our retail store at 197A Lonsdale St Dandenong. 

Who is Ugo Money and who provides the loans?
Ugo Money is the name of the app made by Ugo Ugo Pty Ltd, which is also the lender of the funds, and holder of the Australian Credit Licence 439604.

## Ugo Money Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/ab/67/39/ab673907-d4f9-c170-8c13-2f9ebc0eae36/701c3b28-5a55-40f9-8a01-d8a5a14a9cfc_Simulator_Screen_Shot_-_iPhone_12_Pro_Max_-_2021-06-22_at_16.39.12.png/1284x2778.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/51/95/36/51953665-953d-66d7-6373-dbc0f5a66d60/27f8588d-e29d-497d-b6c8-590207c97101_Simulator_Screen_Shot_-_iPhone_12_Pro_Max_-_2021-06-22_at_16.40.30.png/1284x2778.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/2c/04/44/2c04442b-a10b-635b-3d4c-2192d239bbfa/ba101bfb-2f0a-422f-89f4-c0b57efbee28_Simulator_Screen_Shot_-_iPhone_12_Pro_Max_-_2021-06-28_at_09.35.52.png/1284x2778.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/48/be/58/48be5800-e365-d28e-d714-e7a1e070fab6/08fac30c-1265-4adf-a25c-d6e23e04f4ce_Simulator_Screen_Shot_-_iPhone_12_Pro_Max_-_2021-06-28_at_09.38.18.png/1284x2778.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/17/4e/d1/174ed1ac-8aa7-cc74-ba16-cd060d4afcc4/a0abe9e1-da83-4eff-9e8d-3f220152dca8_Simulator_Screen_Shot_-_iPhone_12_Pro_Max_-_2021-06-23_at_13.20.53.png/1284x2778.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/50/81/b3/5081b373-da44-7302-83fd-ace276ae1b5c/e6857bd4-df2c-421e-8830-2c58a0d3600a_Simulator_Screen_Shot_-_iPhone_12_Pro_Max_-_2021-06-28_at_09.44.34.png/1284x2778.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/f0/22/0e/f0220e39-5e39-7a27-b18c-d62665e9a5b5/8ff87f96-8d23-4670-8502-6980ded69728_Simulator_Screen_Shot_-_iPhone_12_Pro_Max_-_2021-07-06_at_11.13.10.png/1284x2778.png)

## Ugo Money Rating Breakdown in Australia
- 5 stars: 504 (75%)
- 4 stars: 48 (7%)
- 3 stars: 20 (3%)
- 2 stars: 11 (2%)
- 1 stars: 85 (13%)

## Ugo Money Reviews in Australia

### *---- "Waste of time"
Don’t bother
-- Mookchow, 2024-12-11

### ***** "Great service"
Friendly staff, app Is easy enough to use and the staff are at least responsive to issues when they happen
-- alexleighm, 2024-11-14

### ***** "Efficiency plus"
Extremely easy, user friendly to use. Prompt outcome.  Fair and affordable repay plan.  Great app great service
-- Abbie pizzey, 2024-11-13

### ***** "TR"
Great user experience
-- Rex2605, 2024-11-07

### *---- "Error can’t finish"
Unexpected error
-- Prozey89, 2024-10-23

### *---- "Scam"
Stealing ID
-- kaksdjx, 2024-10-20

### *---- "Don’t waste your time"
When your in hardship and need urgent funds for emergency dental do not waste your time with these scammers Finally able to upload documents to be told “you’re pre approved” to be declined for a measly $300!!! What a joke. Been approved elsewhere for $2000k if I could give minus 5 stars I would.
-- SilverOdyssey11, 2024-09-05

### *---- "DO NOT USE THIS APP, SCAMMERS"
I went to use this app as i am in financial hardship and needed something to turn to, so i went through the process of signing up to one of their loans, and then it said it was waiting to be approved, after a day i cancelled this and backed out of it as i started to get suspicious about the app. 2 days later i had someone trying to log into my bank account which has never happened to me before and i cant help but not think that it was these scammers!! Lucky i changed all my details as soon as i backed out of all their loan business or i wouldve lost money. How cruel can you guys be, get this app off the app store immediately
-- doofymondo, 2024-06-25

### *---- "Identity thief’s beware."
Seems like a scam app so far. You can’t upload the documents it asks you to take photos of there’s enough info to start a crypto wallet or open bank acc etc. do not download
-- FortunaMagna, 2024-03-08

### *---- "Problem uploading ID"
Everything is fine until you have to upload your ID and there’s no continue button or a next button to move forward. How can I upload my ID?
-- Unknown2802, 2024-02-08

[View all Ugo Money reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews)


## Ugo Money Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Top Free | Australia | Finance | #195 |

## Ugo Money Discovered Keywords
- go mastercard
- paytime
- payday australia
- payday advance australia
- humm90
- payday apps
- cash boost
- instant cash
- nimble
- cash loan

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