Budget with Confidence

OurMoneyMarket offers no-obligation pre-approvals for secured and unsecured personal loans. Budget with confidence by obtaining a no-obligation pre-approval of up to $75,000 today.


This won't impact your credit score.

What is a Pre-Approval?

You can get pre-approval for whatever you desire - whether that’s your new family car, consolidating your debts, or home improvements - OurMoneyMarket will place your pre-approved funds on standby for you.

  • Get pre-approval for any new or used vehicle
  • Debt consolidation
  • Major home improvements
  • Great rates and flexible loan offers
  • Loans from $2,001 to $75,000

What can I get preapproved for?

You can get pre-approval for whatever you desire - whether that’s your new family car, consolidating your debts, or home improvements - OurMoneyMarket will place your pre-approved funds on standby for you.
  • Get pre-approval for any new or used vehicle
  • Debt consolidation
  • Major home improvements
  • Great rates and flexible loan offers
  • Loans from $2,001 to $75,000

Top benefits of preapproval

You can get pre-approval for whatever you desire - whether that’s your new family car, consolidating your debts, or home improvements - OurMoneyMarket will place your pre-approved funds on standby for you.

Fixed Interest Rate - Know your budget in advance and have the protection of a fixed interest rate with no repayment surprises

Plan Your Finances - Reduce the money worry - focus your search on your personal needs and plan your finances ahead

3 Months Fund Period - Give yourself time to make your choice, as we hold your funds up to 3 months

Protect Your Credit - Check your pre-approval before the loan is finalised, offering peace of mind

Does Pre-approval guarantee a loan?

Pre-approval does not guarantee you a loan - there may be some conditions that you have to satisfy prior to settlement. For example, providing satisfactory documentation on the vehicle you are looking to purchase.

Is Pre-approval bad for credit?

Proceeding with a pre-approval will appear on your credit file but won’t necessarily negatively affect your credit unless you apply multiple times in a short space of time.

What happens after you get pre-approval for a vehicle?

Once you have your pre-approval vehicle loan, you don’t have to get your financing through the dealership. We will settle directly with the dealer on your behalf. All we require is an invoice for your purchase. We may be able to refund you for any deposit you may have put down on the vehicle, and we may be able to include in your loan any car insurance, registration, and add-ons.

How long does pre-approval take?

Once you’ve researched and applied for your pre-approval, it’s important to note that it doesn’t last forever. Pre-approval generally lasts for up to 3 months.
Take a preapproval with you for your next vehicle purchase

4 Quick and Easy Steps to Securing Your Pre-approval

Step 1

Apply Online

Complete your application online.
Submit all of the required documentation.

Step 2

Get Pre-approved

We will approve you for the maximum loan amount and quote you on your repayments

Step 3

Shop Around

Shop around for your vehicle up to the maximum amount pre-approved for you.

Step 4

Settle when you want

We can hold open your pre-approved funds for up to 3 months. Have funds settled within 24 hours when ready.

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. Managed entirely online, at any time.

Fast Application

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

Other Personal Loans We Offer

Car Loans
Holiday Loans
Medical / Dental 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

Frequently Asked Questions

How do I know how much I can borrow and what my repayments will be?

Scroll below and access our loan calculator to find out the estimated repayments on your loan weighed against the amount you want to borrow and how long you need to make all your repayments.

How can I manage my debt consolidation loan?

With our online platform, you can easily stay on top of your upcoming payments, access payment information, and find peace of mind knowing you’re taking back control of your finances.

What kind of debts can I use the money for?

Any form of debt you’re looking to pay off or bring multiple smaller debts into the one-off personal loan. With access up to $75,000, debts of all kinds can be covered with OMM.

What exactly is a personal loan and how do I get one to consolidate my debts?

We offer personal loans for covering multiple uses you may need, using our unsecured personal loan service. Our debt consolidation loans have a fixed interest rate, and you choose a loan amount and loan term that you can comfortably repay.

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