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Bad Credit Loans

bad credit history preventing you from getting ahead?

Do you have impaired and/or imperfect credit file from too many loan enquiries, defaults, part 9 debt agreement or bankruptcy?

A Bad Credit loan is essentially for applicants who have an impaired and/or imperfect credit file as a result of defaults, Part 9 debt agreement or Bankruptcy.

Bad credit tends to create obstacles for applicants seeking finance as their past credit history becomes the primary measure. Here at nmoni, we understand that sometimes situations do get out of control therefore we take each loan application on case by case basis.

You may get approved for a bad credit loan if your current circumstances are good meaning if you have a regular income, have not borrowed 2 or more short term loans in the last 90 days, can afford a new loan and meet our responsible lending guidelines.

These loans can be secured or unsecured depending upon the loan amount, loan purpose and your situation.

We do not do upfront, automatic credit checks while you are submitting an application which means that we will go through your bank statements first rather than having an outcome that is purely based on your credit history. So we will give you a fair go.

Minimum eligibility criteria include 18 years or over in Age, Permanent Australian Resident and Employed with a regular income. Centerlink benefits can only be considered as a secondary income.

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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 20 lenders.

3. Choose your loan

Choose your preferred lender with complete transparency of rates and fee's.

4. We send you the money!

Review and sign the loan documents and we 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 20 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.

Easy. Apply in 10 minutes.

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

Speedy decisions

We can provide approvals within a few hours.

Fast Funding

Get your funds the same day.

Flexible loan repayments

To suit you and your situation.

Bad credit history considered

We look beyond your credit score to understand your situation.

Ready to get started?

Apply anytime, any where