Simple, Fast, Low
Rate Personal Loans

Credit Where Credit’s Due – We ensure borrowers with good credit history are rewarded with better rates.

A quote won't impact your credit score

What Might I Need a Personal Loan For?

Home Renovation

Need to renovate? Or simply training to be the next big thing in reality T.V? Either way we’ve got a great loan offer just for you.

Turn your house in to a home with an OurMoneyMarket unsecured personal loan. Our quick and easy 100% online application, means you can obtain conditional approval within minutes and be on your way to making your renovation dreams happen.

Online home renovation loans that reward you with a better rate for your good credit
Loans from $5,000 to $75,000
Unsecured and secured
1 to 7 year loan terms available
Weekly, fortnightly or monthly repayments
Fixed rate of interest, meaning no repayment surprises
No account keeping fees, no prepayment payment fees and no early exit fees

or retrieve an existing quote
A quote won’t impact your credit score

Debt Consolidation

Are you looking for a fast way to pay off your credit card or small loans?

Make your debt manageable by consolidating it all into one simple low interest rate personal loan. At OurMoneyMarket we offer fixed rate loans suited to your budget and your needs. This means:

No nasty surprises: You’ll always know what your repayments are with a regular fixed repayment – surprises belong in parties, not in loans;
You can say goodbye to your high interest rate debt: Using your OurMoneyMarket unsecured personal loan you can pay off your high interest rate credit cards and/or loans and get back in control of your finances; and
You’ll be on your way to becoming debt free!

or retrieve an existing quote
A quote won’t impact your credit score

New/Used Vehicle

In need of a quick loan for a new or used car? Or perhaps a new or used motorboat?

Whether you have good credit or bad credit, we offer great rates with flexible loan options for a wide range of new or used motorised vehicles. From car loans to motorbike loans all the way through to motorboat loans. You’ll be cruising in no time! Our 100% online application is quick and easy, with conditional approval offered within minutes, so you’ll be on the road (or on the water) faster than you think.

New or used vehicle loans with no vehicle age limit
Loans from $5,000 to $75,000
Unsecured and secured
1 to 7 year loan terms available
Weekly, fortnightly or monthly repayments
Fixed rate of interest, meaning no repayment surprises
No account keeping fees, no prepayment payment fees and no early exit fees

or retrieve an existing quote
A quote won’t impact your credit score

Holiday

Rather be somewhere else? We get you.

Whether you’re planning your next big adventure or looking to get away with the family, an OurMoneyMarket travel loan can turn your holiday dreams into a reality. Our quick and easy 100% online application, means you could be jetting off within 48 hours.

Online Holiday Loans that reward you with a better rate for your good credit
Loans from $5,000 to $75,000
Unsecured and secured
1 to 7 year loan terms available
Weekly, fortnightly or monthly repayments
Fixed rate of interest, meaning no repayment surprises
No account keeping fees, no prepayment payment fees and no early exit fees

or retrieve an existing quote
A quote won’t impact your credit score

Wedding

Something borrowed for something new, so you can celebrate in style.

Make sure your special day is just the way you imagined it with an OurMoneyMarket unsecured personal loan. Our quick and easy, 100% online application, could make your plans an instant reality with cash in your account within 48 hours.

Online wedding loans that reward you with a better rate for your good credit
Loans from $5,000 to $75,000
Unsecured and secured
1 to 7 year loan terms available
Weekly, fortnightly or monthly repayments
Fixed rate of interest, meaning no repayment surprises
No account keeping fees, no prepayment payment fees and no early exit fees

or retrieve an existing quote
A quote won’t impact your credit score

Education

Looking to hit the books to further advance your career? Or perhaps you need some support with school fees?

OurMoneyMarket offers low interest rate development loans so that you can learn what you need today, so you’re ready for the future. Whether you’re undertaking a Masters Degree, a management course, seeking higher education or thinking of logging back into the student portal, OurMoneyMarket provides the student support you need.

Online student loans and education loans that reward you with a better rate for your good credit
Loans from $5,000 to $75,000
Unsecured and secured
1 to 7 year loan terms available
Weekly, fortnightly or monthly repayments
Fixed rate of interest, meaning no repayment surprises
No account keeping fees, no prepayment payment fees and no early exit fees

or retrieve an existing quote
A quote won’t impact your credit score

Medical/Cosmetic

Hit with some unexpected medical expenses? Or are you in need of some dental or cosmetic surgery? Stress less, we’ve got your covered.

OurMoneyMarket offers low interest rate loans for a wide range of medical procedures such as general surgery, dental surgery, plastic surgery, cardiology and much more. Our quick and easy 100% online process, means that you can obtain conditional approval within minutes, so you can stress less and take comfort in the knowledge that you’ll be taken care of.

Online medical loans and cosmetic surgery loans that reward you with a better rate for your good credit
Loans from $5,000 to $75,000
Unsecured and secured
1 to 7 year loan terms available
Weekly, fortnightly or monthly repayments
Fixed rate of interest, meaning no repayment surprises
No account keeping fees, no prepayment payment fees and no early exit fees

or retrieve an existing quote
A quote won’t impact your credit score

A Better Way to Borrow

OMM is Australia’s Go-to Personal Loan Provider

OurMoneyMarket offers simple, fast, online personal loans, with fixed interest rates.

Lower Interest Rates

A marketplace of people and institutions all working together to deliver you the best possible deal.

No Hidden Fees

No monthly account keeping fees, no exit fees and no early repayment fees.

Simple and Flexible

A simple fixed interest rate that can be repaid weekly, fortnightly or monthly, over 1 to 7 years (10 years for Green Loans). Managed entirely online, at any time.

Fast Application

A quick and easy, 100% online application. No printing. No paper. No fuss.

Secure Your Personal Loan Today

3 Quick and Easy Steps to Securing Your OMM Personal Loan

Personalised Rates

Get started with a free no-obligation quote, so you have an indication of what the loan will cost. You can instantly review the interest rate you qualify for without impacting your credit score.

5 Minute Application

Our quick and easy, 100% online application, means you can complete our loan application whenever suits you. No printing. No paper. No fuss.

Decision in Minutes

OurMoneyMarket utilises the latest credit assessment technology to give you a decision in minutes.

Other Personal Loans We Offer

Car/Vehicle Loans
Debt Consolidation
Home Improvement
Holiday Loans
Medical / Dental Loans
Education Loans
Personal Loans
Green Loans

Eligibility Criteria

In order to apply for a personal loan, you must fulfil the following eligibility criteria.
  • You should be at least 18 years or older.
  • You should be an Australian citizen or permanent resident.
  • Be in active employment or receive a pension.
  • Have no defaults (paid or unpaid) or active payday loans.
  • Centrelink can be used as a secondary income with regular income.
  • Not be a current or prior bankrupt or be party to a court judgement.

Awards

Borrower FAQs

Still have a question?

[email protected]

1300 990 115

OurMoneyMarket offers unsecured personal loans to Australian-resident individuals. You can request a loan for a variety of purposes, such as to purchase a car, go holiday, consolidate existing debts, or make those home renovations you’ve been dreaming of for a while now.
To be eligible for an unsecured personal loan with OurMoneyMarket you must at a minimum satisfy the following:
You are aged 18 years or older;
Your after-tax income is greater than or equal to $25,000 per annum;
You have an acceptable credit history with OurMoneyMarket’s credit bureau of choice, as determined at OurMoneyMarket’s discretion;
You are not in hardship with another financial provider;
There are no undischarged bankruptcy listings on your credit file

or retrieve an existing quote
A quote won’t impact your credit score

Depending on your current income and expenses, OurMoneyMarket can provide loans between $5,000 and $75,000.

You can borrow for a term of 1 to 7 years, with payments aligned to your pay cycle on a weekly, fortnightly or monthly basis.

How do I apply and when can I expect to receive my money?

To apply simply do the follow:

1. Click ‘Get Started’ or ‘Apply Now’ – click the ‘Get Started’ or ‘Apply Now’ button on the websites home page or just below;

2. Finalise Your Loan Application in Minutes – If you’re satisfied with the interest rate we’ve provided proceed to finalise and submit your loan application.

3. 5-Minute ‘Quick Quote’ Form – complete our 5 minute ‘Quick Quote’ form. This is a free, no obligation, interest rate estimate that is based off your credit record with OurMoneyMarket’s Credit Bureau of choice.

4. Minute Decision – We will let you know if you’ve been conditionally approved for a loan in under a minute, subject to verification of the details in your loan application.

5. Get Your Money – 24 hours – Once your loan has been 100% funded you will receive a Loan Offer the same day. Upon your approval of the Loan Offer you can usually have the funds in your account within 1 business day, but may take up to 3 business days.

or retrieve an existing quote
A quote won’t impact your credit score

OurMoneyMarket offers borrowers a personalised interest rate that is based on their unique circumstances and credit history. To find out what your personalised interest rate is, please take 5 minutes to complete our ‘Quick Quote’ form.

OurMoneyMarket’s Quick Quote is a free, no obligation, interest rate estimate that is based off your credit history as reported by OurMoneyMarket’s Credit Bureau of choice.

Completing the Quick Quote form won’t impact your credit score.

or retrieve an existing quote
A quote won’t impact your credit score

OurMoneyMarket currently only offers fixed rate loans. This means that you will have an affordable fixed scheduled loan repayment that will never increase. In other words, your repayments are set from the day you accept the loan. Surprises belong in parties not in loans.

OurMoneyMarket charges borrowers a simple once off establishment fee which is added to your loan amount, meaning that it is included in your scheduled loan repayments and the comparison rate that we advertise.
There are no monthly fees, prepayment fees or early exit fees.
For further details, please go to our Rates and Fees page.