Personal Loan

Personal Loan with Defaults

Defaults on your credit file can make it hard to get a loan, with many traditional lenders or banks refusing to offer loans for those with paid or unpaid defaults. Here at Nmoni however, we look beyond your past history. Whether you have a paid default or an unpaid default, feel free to apply with us for a higher chance of guaranteed approval. With an easy online application and a high approval rate, Nmoni might be the team that can help you.

Once you have acquired your personal loan with paid default or personal loan with unpaid defaults, a world of possibilities are unlocked. This can include covering medical expenses, wedding costs, financial emergencies, purchasing a vehicle, renovating your home or consolidating debt. Regardless of your past financial history, Nmoni will still consider your application, and if approved, will tailor our service to your personal situation. You will also be able to set a repayment amount that you are comfortable with, to ensure you do not experience financial hardship.

Can I get a personal loan with paid and unpaid defaults?

Many individuals with unpaid or paid defaults may think obtaining a personal loan is completely impossible due to their financial situation. At Nmoni, we believe everyone deserves a fair go. Our easy online application process means a quick result and faster access to funds.

Of course, individuals with paid defaults are more likely to be looked upon favourably by lenders than those with unpaid defaults, although options may still be available for those needing personal loans with unpaid defaults.

Simply begin your application online, or visit our Bundoora location for an in person application.

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To apply, you need to submit an application form and provide us with 90 days of bank statements which can be generated automatically using a secured link. We will also require a copy of your driver's licence or photo id along with 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 outcome within a few business hours.

When reviewing an application we will check the details you have provided us on the application form 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. The loan contract documents can be easily signed electronically so there is no paper work involved.

Once we receive the signed documents, we disburse the funds into your account straight away.

If you have any question feel free to call us on 03 9468 8200 or chat with us now.

If you are ready click here to Apply!

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

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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

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