pleased to meet you!

we make finding a personal loan or car loan easy.

we'll help you compare lenders to find the best rate for you. All without damaging your credit rating.

At nmoni we place our customers at the heart of everything we do. As proof we have a 4.9 Google rating from hundreds of reviews. You can read them here.

Why do our customers love us?

We have combined cutting edge technology with an Australian based team that is obsessed with helping our customers. 

So what does this mean for you?

It means you’ll find our application process super fast and hassle free.

It means you don’t have to do the hard work of checking multiple lenders to find a loan. We check your loan requirements with up to 40 lenders to find a loan that can save you serious money.

Importantly, it means we won’t hurt your credit rating.


What many people don’t know is that if you apply for a loan directly with a lender you actually can hurt your credit score. This is because an application direct to a lender will often trigger what’s called a hard credit check.

Hard credit checks are a formal credit inquiry and therefore impact your credit score.

If you go and apply for a loan with lots of lenders you run the risk of seriously hurting your credit rating.

At nmoni we avoid all this through two ways. 

Firstly, we have a great knowledge of many lenders and can match your personal circumstances to the right lender. This means we avoid lots of applications with many lenders. 

Secondly, we do what’s called a soft credit check. This allows us to access your credit file without hurting your credit score. 

Finally, we can help with all sorts of loan requirements in Australia. We help with Personal loans, debt consolidation loans, travel loans, home renovation loans, boat loans, motorcycle loans and car loans just to name a few.  

So give us a try. It only takes 10 minutes to kick start the process.

Apply now!

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How we find great rates

1. Complete our online application

10 minutes is all it takes.

2. We search for the best lenders

We go to work to find the best deal for your situation from a panel of over 40 lenders.

3. Choose your loan

Choose your preferred lender with complete transparency of rates and fees.

4. We send you the money!

Review and sign the loan documents, and will transfer the money within 24 hours.

Use the nmoni advantage to save

We compare, you save

We'll find a great deal from our panel of over 40 lenders.

Low rates

We use our 20 years of experience and cutting-edge technology to find you the lowest possible rate for your circumstances.

Protect your credit score

Applying for a loan won't impact your credit score until you are ready to proceed.

No nasty surprises

All fees and charges are fully disclosed upfront, so you know exactly what is going on and what it’s going to cost.

Apply in 10 minutes

We’ve built a simple and secure online system to fast-track your loan request.

Intelligent decisions

We can provide approvals within a few hours using our personalised finance platform

Advanced Technology

Let our sophisticated finance platform work for you with a real-time personalised rate offer

Flexible loan repayments

To suit you and your situation.

Our experience is your advantage

We use our deep market experience to find you the best rate for your situation.

Ready to get started?

Apply anytime, anywhere