Low Interest Loans

For all customers that have a good credit score, we may offer a low interest personal loan starting 7.65% p.a. This is sometimes cheaper than the rates offered by the big banks . These loans can be secured or unsecured. The loan term varies from 3-5 years and the repayments can be made weekly, fortnightly or monthly.

Most loans we offers have no annual fee, no monthly fee and no early termination or exit fee. The application process is fast with most of the outcomes are provided within 24 business hours from the time of application. We do not do upfront credit checks so an application with us does not go on your credit field.

The process involves submitting an application and providing us with the supporting documents. We then do a soft/hidden check on you to get a copy of your credit file and then compare your situation with the lending criteria of all the lenders on our panel and find the best match for you. Once we have found the lender , we then submit the application through to them. This process benefits you as you do not have to look around comparing all the lenders and most of the time, it’s more than just the interest rate as they all have different lending criteria and as we have access to all that information so we are the best option when shopping around. Also most lenders will do a credit enquiry as soon as you submit an application and you might end up with too many enquiries and failing their lending criteria. 

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.

To apply, you need to submit an application online and provide us 90 days of bank transactions which can be generated automatically using our secured link. We will also require a copy of your drivers licence or birth certificate, Medicare card and a document/bill with your current address on it.

For Employed clients we will require 2 most recent payslips and for Self Employed/Contractors/Sub Contractors clients we will require at least one most recent tax return.

Once we have received all the required documents, you will have an update within a business day..

When reviewing an application we will check the details you have provided to us against your bank statements and will check if the applied loan is unsuitable for you. Responsible Lending criteria applies.

On approval, we provide a free, no-obligation quote and if satisfied, you can move onto taking the loan offer. Usually most  loan contract documents can be easily signed electronically so there is no paper work involved.

Once we receive the signed documents, funds will be disbursed into your account straight away.

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

Ready to get started?
Easy to use and fast!
  • No early termination fees
  • No upfront credit checks
  • Loan repayments are per customers request
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Head Office

G.10, 7 Ormond Blvd,
Bundoora VIC 3083

Business Hours

Mon-Fri: 9:00am - 5:00pm