What is your typical requirement to obtain a loan?

When you are need of a loan for whatever purpose, talk to nmoni about our range of personal loans and secured loan products. Many traditional lenders make it hard to access money when you need it, but we are proud to offer a process that’s easier than the rest!

A personal loan can be an effective way to pay for a range of immediate expenses to long term goals such as medical fees to renovations, wedding costs to holiday plans. You could even use your personal loan to purchase a new car!

If you’re worried that you won’t be eligible for a personal loan, the best thing you can do is simply read the below requirements and apply online for a no upfront credit check analysis. nmoni will come back to you with some suggestions and products you would currently fit into or how to fit into in the future.


Our personal loan approval is a fuss-free way of sourcing the money you need. At nmoni, we can offer personal loans to you in a range of circumstances, even when other lenders cannot assist! This includes:

  • Secured and unsecured personal loans
  • No upfront credit checks
  • Low interest personal loans for excellent credit rating
  • Credit impaired personal loans
  • Personal loans and Car Loans for discharged bankrupts
  • Personal loans and Car Loans with a default


As you can see from the extensive list above, we pride ourselves on offering you some personal loans options with all types of financial history considered. 

Unlike other lenders, nmoni doesn’t just look at your financial past and make a decision based on your history. Instead, our team takes the time to understand your current situation, looking at each individual’s banking conduct and current income on a case by case basis.

Because of this, our eligibility criteria include options for credit impaired such as discharged bankrupts, those who have defaulted on past payments, and other individuals with bad credit history. If your current situations is proven to be strong, then we can look at assisting. We are proud to say that our personal loan offerings is more extensive than others on the market!

nmoni can find you a low interest loan for excellent credit rating customers. So why wouldn’t you just go straight to a bank? Because we have many lenders on our panel that we can compare with including the banks. We have studied and are constantly updated with all their lending criteria’s therefore knowing exactly where you fit without hurting your credit file. By applying directly and not knowing why you’re getting declined will not only be frustrating, but can also make it more difficult for the next time you apply.

No upfront credit check and no cost to make an application, nmoni ensures the process is fast and easy.

If you’d like to apply, here is our basic criteria:

  • Minimum age is 18 years old
  • Currently an Australian Citizen or Permanent resident (if on VISA please contact us on 03 9468 8200 to check if eligible)
  • Currently employed and earning at least $500 per week net
  • Minimum 3 months employed if full time or part time (if less than 3 months and working same industry this would be acceptable as well)
  • Minimum 6 months employed casually
  • Minimum 6 months ABN if self-employed conditions apply see staff if less than 6 months ABN – applicable to car loans
  • Have been bankrupt or in a Part 9 Debt Agreement for at least 12 months – applicable to car loans
  • For personal loans need to be discharged from the Bankruptcy and/or Part 9 Debt Agreement
  • Have not borrowed or had more than two short term loans under $2500 in a 90-day period
  • Have no finance defaults on your credit file in the last three months
  • Have had no more than five dishonoured (reversed) payments evident on your bank statements in the last 90-days
  • Have had not a large substantial amount of gaming transactions and withdrawals evident on your bank statements in the last 90-days (for more information please contact us on 03 9468 8200)
  • Currently not with MyBudget* (unless seeking a car loan contact us on 03 9468 8200 to check if eligible)
  • Currently not behind or in arrears on your mortgage, rent and financial commitments including your personal loan, auto loans and credit cards


To get started, click here to apply today!

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How we find great rates

1. Complete our online application

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