low interest loans

let us find you a great interest rate

Save with comparison rates on your low interest loan

For all customers that have a good credit score, we may offer a low interest personal loan starting at 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 low interest loans we offer have no annual fee, no monthly fee and no early termination or exit fee. The application process is fast with most of the outcomes 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 for a low interest loan 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 to find the best match for you. Once we have found the lender we then submit the application through to them.

This process saves you the time of comparing all the lenders. Importantly, as well as finding you a great rate, we carefully assess you against the different criteria of each lender to ensure a great match for your circumstances. 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 your 2 most recent payslips. For Self Employed/Contractors/Sub Contractors clients we will require at least your 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 suitable 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.

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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