Secured Loans

secured personal loans at a better rate with nmoni

use your asset as security and get the low interest rate of a secured personal loan for any purpose

A secured loan is a loan secured against an asset such as property or vehicle. Here, at NMONI, our secured loans can expose you to lower interest rates as the loan is backed against the asset. A good display of banking conduct, stability in income and credit standing can help you access a lower interest rate. Our secured loans can help with many purposes such as for home improvements or renovations, travel/holiday, purchase of another asset, medical expenses, debt consolidation and much more.

Here, at NMONI, our secured loans cater for all type of credit clients whether they have good or bad credit. Bad credit may involve having entered a Part 9 Debt Agreement or Bankruptcy or even being discharged from the Bankruptcy. The requirement is you need to be at least 12 months into the Part 9 Debt Agreement or Bankruptcy for the application to be assessed. A Bad credit standing may also be a result of paid and/or unpaid defaults on the credit file which may create obstacles in obtaining finance. A good display of banking conduct, steadiness in income and overall capacity for the loan will help your application especially if you have bad credit.

In addition to offering secured loans no matter where you are located in Australia, NMONI also does not perform upfront credit checks unlike other lenders. We will assess your application first, look at your income, your expenses and debts, overall serviceability level and banking conduct. We also strive to ensure our secured loans are tailored in accordance to your current circumstances including the repayments and loan term.

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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