When you apply for a personal loan through Nmoni, it’s made as simple as an application online to fund your next holiday, home renovation, vehicle or tools purchase.
But did you know that’s not the only form of approval for personal loans? When you choose Nmoni, you can also receive pre-approved personal loans. This type of conditional approval gives you the power to arrange your purchases without having to actually commit to the loan. Then, once you’re ready to make a purchase, securing your loan will be even more straightforward. Pre-approved personal loans is valid for one month, making them a great option when you’re still shopping around for your purchase, such as a new car.
Here’s a bit more information about pre-approved personal loans from Nmoni.
To secure personal loan pre-approval, you still need to make an application with our team. We can then provide the best financing option for you, looking at your budget, your lifestyle and a number of other factors. Pre-approved personal loans may also come with some conditions based on your intended purchase. You may also be pre-approved for your loan if we just need some more information before we formally approve your finance.
Pre-approved personal loans have a range of advantages for you. They will give you a better idea of your budget, helping you narrow your decision if you’re looking at a range of products. This will help you to find the best option with the most features at a price you can afford!
Pre-approved personal loans also help you to shop with confidence, and they’re a signal to the seller that you’re serious about your purchase. In cases like car sales, pre-approved loans may even be a great negotiating tool when you’re discussing price with the vendor.
Just like with all other loans, the key to pre-approval is to provide us with all the accurate documentation we need. At Nmoni, we offer bad credit, no credit, discharged bankrupt, and default loans, among others. When it comes to your pre-approved personal loans, we focus on your current financial situation, not your past, giving you a greater chance of success.
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.
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