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no upfront credit check

We won’t hurt your credit rating because we don’t do upfront credit checks

Looking for no credit check loans?

Why our no upfront credit check process could save your credit score

Alright – this is important. Each time you apply for a loan with a lender your credit score can go down. This means it’s really important you don’t apply to every lender for a loan!

Because of this we do things differently at nmoni. Our skilled team assesses your circumstances and gives you feedback on your chances of getting a loan from our panel of over 20 lenders. We focus more on your current employment and reliability with repayments as opposed to any prior defaults on your credit record.

All WITHOUT affecting your credit rating because we don’t submit an application to a lender unless we think it has a high chance of being approved.

So, apply now and let our skilled team assess not only whether you can get a loan, but what sort of rate you might be able to get.

We do all the hard work while protecting your credit score because we do not do an upfront credit check. We do what’s called a soft credit check which doesn’t impact on your credit score (soft credit checks are not a credit application. This means they do not come up as a credit inquiry).

Do I qualify for a no credit check loan?

Many people can qualify for our loans with no upfront credit checks. This may include those with excellent credit to poor credit history and those who have been bankrupt in the past who are applying for car loans. Complete our quick application form and you’ll be on your way to a quick response. There could be more financing options available to you than you initially thought!

What if I have a bad credit rating?

We take a broader view of your application than just your credit score. We do this by reviewing your overall credit profile to get a clearer picture of your financial position. We do this without performing an upfront credit check (we do a soft check that does not impact your credit score). Importantly, we also provide credit feedback if we cannot assist you with a loan right now. 

Should I get a payday loan?

People looking for no credit check loans can often end up looking at payday loans. A payday loan is a small cash loan, usually around $2,000 or less. Typically you pay these loans back between 16 days and one year. They may seem fast and attractive but they usually come with really high fees – sometimes the equivalent of over 50%.

There are definitely cheaper ways to borrow money. Before you take a payday loan we strongly recommend talking to a financial counsellor or completing our application form to see if we can help with a different type of loan based on your situation.

Frequently Asked Questions

Because we combine sophisticated technology with a highly skilled Australian team, we can quickly give clients feedback on their chances of getting a loan, the amount they can borrow and of course the interest rate. All without hurting your credit score by performing a soft credit check. Apply now to give us a test!

Many people can qualify for our loans with no upfront credit checks. This may include those with excellent credit to poor credit history and those who have been bankrupt in the past who are applying for car loans. Complete our quick application form and you’ll be on your way to a quick response. There could be more financing options available to you than you initially thought!

Simply complete our fast online application. Our technology will quickly guide you through the process. We will give you feedback on your loan application all without doing an upfront credit check.

We take a broader view of your application than just your credit score. We do this by reviewing your overall credit profile to get a clearer picture of your financial position. We do this without performing an upfront credit check (we do a soft check that does not impact your credit score). Importantly, we also provide credit feedback if we cannot assist you with a loan right now. 

At nmoni we do not perform upfront credit checks. This means that we can review your application and give you a guide as to whether a lender will give you a loan before a credit check is completed. Our process reduces the number of credit checks required and therefore helps you avoid hurting your credit score. Start the process today by completing our fast application.

Hard credit checks are a formal credit inquiry and therefore impact your credit score. Soft credit checks are not a credit application. This means they do not come up as a credit inquiry.

People looking for no credit check loans can often end up looking at payday loans. A payday loan is a small cash loan, usually $2,000 or less. Typically you pay these loans back between 16 days and one year. They may seem fast and attractive but they usually come with really high fees – sometimes the equivalent of over 50%.

 

There are definitely cheaper ways to borrow money. Before you take a payday loan we strongly recommend talking to a financial counsellor or completing our application form to see if we can help with a different type of loan based on your situation.

Secured loans are amongst the easiest loans to get. That's where you put up something of value in exchange for funding. Car, boat and caravan loans are types of secured loans and means the lender has some security over the loan.

We can review your situation and provide feedback on why you are being declined without hurting your credit score. Apply now and we'll provide you valuable feedback.

At nmoni we review your situation and only apply for loans with lenders we believe will approve your application and provide the right rate. This will reduce the impact on your credit score while also saving you a lot of time and hassle.

Your credit score is calculated by credit reporting agencies based on your personal and financial information. Here are some factors that can impact your credit score:

  • the number of credit applications you’ve made
  • the amount of money you have borrowed
  • have you paid your loans or bills on time?

Credit reporting agencies calculate a score between 0 and 1,000 or 1,200. The higher the score the better your chances of not only getting your loan approved, but getting a lower rate.

The higher your credit score the better your chance of getting a loan and the better chance you have of getting a lower interest rate. This is because if you have a really good credit score you are a lower risk to a lender and therefore are a good chance of paying back the loan. Conversely, if you have a lower credit score a lender may classify you as having higher risk and therefore charge a higher interest rate.

In addition to your credit score, other factors like overall banking conduct (such as dishonours and payday loans) can also impact the interest rate you are offered. 

There are lenders we work with that specialise in clients with lower credit scores. The best way to find out is to complete our online application and we’ll put our technology and/or one of our credit analysts to work to review your file and provide feedback. We can provide valuable information on your options without affecting your credit rating.

Debt consolidation is where you combine multiple loans into one loan, hopefully at a lower rate. For example, let’s say you had a $10,000 credit card debt at 19% interest rate and another loan for $5,000 at a 15% rate. You may be able to combine this $15,000 of loans into one loan at a 11% rate depending on your situation. If you can do this you can save money on interest and pay off your debts faster.     

real customer reviews

Excellent

4.9 Google rating
based on 205+ reviews

After searching for a car loan I found nmoni. They are very helpful… keep you up to date at the progress of your loan. And made settlement a breeze. Thank you Chris and Michelle you are both amazing.

Jodie Bayliss

Nmoni is such a great lending company, Christina is the best of best broker, person and very understanding. Great customer service and very helpful any time, she actually answers the phone unlike other company employers who do not care. She Actually cares and Christina does everything in her power to help and solve your issues. Thank you Nmoni and thank you Christina.

Mirjana Markovic

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

So easy to apply and well mannered and efficient staff make the process so easy.
Christina was so helpful. I will be letting friends know of this great service.

Christina Watson

Christina was excellent. Prompt responses and kept me up to date during the whole process. Great to have someone take the time to review your current situation and not something that happened several years ago.

Scott McKenzie

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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