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We have a simple application process
A quick & transparent online process.
Process Apply Online
Apply OnlineYou will need to submit an online application which is very simple, usually only takes approximately 5 minutes.
Process Best Rates
Get the Best RateYour score is not always what we see/say. We are able to offer you a rate based on your overall situation not just your score.
Process Get Approval
Get ApprovalOnce you have been processed, you will be contacted and notified of your outcome and emailed your offer. We also accept digital signing through Hello Sign.
Process Flexible Repayments
Flexible RepaymentsOnce your account is set up, nmoni offers borrowers the flexibility to tailor loan repayments and terms to help with your budget.
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Easy to use and fast!
Words from our happy customers
Client Testimonials

When the banks tuned me down, this guys were able to secure me a loan. It was easy and fast process without any hassles. I highly recommend these guys if you're having trouble with the main banks.

- Tchai Oliveira

Christina was wonderful to deal with and helped me along the way. She organised the contract and funds so quickly! I just wish I had of known about Nmoni earlier. Thanks again....

- Marianna Ziersch

Christina from nmoni was very helpful and friendly. Everything was dealt with quickly i had approval the same day. I would use nmoni again.

- Ryan Cameron

Absoulty a hassle free process.

I couldn't be more pleased with how well the entire application was handled , I was able to still attend work , communicate and have no stress regarding my loan . I was always taken care of every step of the way . Highly recommend.

- Ash Hassett

The team at nmoni were so kind and helpful to us when applying for a loan. It was extremely efficient and easy to do the whole process and I would recommend them to all.

- Alicia Moltzen

Great loan company that really cares about its customers. Avoid big banks and get your loan requirements through Nmoni instead. You'll get a much more caring a personalised service. Christina in particular was great!

- Fabio Hawkins

I recommend this financial institution highly.

I applied for a personal loan and had Charity looking after my application. What can I say she was very professional helpful and exceeded my expectations. All I can say is that if you need a loan give these guys a go you won't be disappointed.

I will definitely use nmoni in a heart beat these guys are truly amazing and fast with getting approved.Thanks guys you rock.

- Patrick Caltaux

Great customer service and prompt response to information provided. nmoni and my Consultant were fantastic!

- Tracey McKellar

I had been wanting to fix my credit rating for some time.

Without knowing how to go about this I had assistance from Christina in not only clearing my debts but also in repairing my credit score. I can not thank nMoni enough for their assistance in this matter. To say it was easy would be an understatement. Communication was without fault as is the payment agreement made and alike. The process was a breeze. Now I am considered lendable and am on my way to financial independence.

- Tenhae McNally

great service highly recommend

- Itz Syke
Why Choose nmoni
Top reasons that makes us great
Why Choose Online Application

Easy Online

Why Choose Flexible Loan Repayment

Flexible Loan

Why Choose Speedy Decision


Why Choose Fast Funding


Why Choose Credit History

Bad Credit
History Considered

Why Choose Risk Rates

Rate for Risk Rates Starting
From 7.65 % Comparison Rate*

Why Choose Secure

Your Information
is Secure

Need Money Quickly?
Apply anytime, any where
  • No hidden fees
  • No account keeping fees
  • Quick processing time
Case Studies
Ready to get started?
Easy to use and fast!
  • No early termination fees
  • No upfront credit checks
  • Loan repayments are per customers request