Responsible Lending

nmoni is committed to responsible lending. We hold an Australian Credit Licence(ACL 392616).

We are regulated by the Australian Securities and Investments Commission (ASIC) and we comply with the National Consumer Credit Protection Act 2009.

We abide by the rules and guidance set out by them. Our internal policies and standards ensure that we adhere to responsible lending. We take a conscientious approach in assessing each loan application.

When reviewing an application we will check the details you have provided us on the application form against your bank statements and other supporting documents. We will make reasonable inquiries about your requirements & objectives and will verify your financial situation. An assessment will be done to check if the credit contract is not suitable for you.

Our loan approval requirements includes but are not limited to:

  • You must not be over committed with other debts.
  • You must not be in financial difficulties
  • You must be up to date with your liabilities
  • You must not have irresponsible gaming transactions
  • You must be able to afford the applied loan

Please consider carefully before applying for a loan.

If you are experiencing financial difficulties, please ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor.