No Upfront Credit Check

Are you finding that you keep being rejected for loans because of your credit file? Unfortunately, those with low credit score find loans difficult to come across, despite how they may have cleaned up their current situation. A good way to get around this is to look for a loan that requires no upfront credit check, or minimal focus on your previous credit.

nmoni can help you with a no upfront credit checks as we do not perform a credit check upfront. Our application form is easy to complete and with our fast processing time, your result can be presented in a timely manner. Thanks to the no upfront credit check system, Australians can enjoy a fast resolution of their financial dilemma, without the masses of paperwork.


Here at nmoni, we do not conduct automatic upfront credit checks, making sure we properly process your application first. This quick and easy process means that your application will be assessed based on your current circumstances and ultimately leading to fast approval. We focus more on your current employment and reliability with repayments as opposed to any prior defaults on your credit record.

Our online process allows us to consider both good and bad credit applicants and the focus is on your serviceability rather than solely on your credit history. This easy and fast application process makes applying with us stress free.

Do I qualify for no credit check loans?

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. Complete our quick application form by clicking here and you will 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 bad credit rating?

nmoni can assist those with a bad credit rating with our no upfront credit check loans, also called loans with no upfront credit checks Australia-wide. Requiring minimal documentation, our loans with no upfront credit checks in Australia could be the solution for your tricky financial situation. Our fast approvals mean a quick resolution to meet your financial objectives, and our flexibility with repayments means you can repay the loan at a comfortable pace leading to the best possible credit experience.

Fast & easy way to apply for no credit check loan online?

What’s the best way of applying for a fast loan with no upfront credit check in Australia? Through nmoni, of course! You can simply apply online. The process will take just a few minutes and will be processed by our qualified staff as soon as possible. More often than not, approvals are also handled quickly, meaning you get the money you need into your account quicker than ever.

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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 guarantee to find the best deal from over 20 lenders.

Always the lowest 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