OurMoneyMarket personal loans


OurMoneyMarket is an innovative online financial marketplace for borrowing and investing money. In line with their “credit where credit’s due” motto, OurMoneyMarket offers a range of low-rate personal loans designed to reward borrowers who have a good credit score with better rates, and give borrowers who have a little more room for improvement on their credit reports a second chance.

With personal loans for debt consolidation, cars, holidays, weddings, home renovations, education and medical/cosmetics, it’s safe to say that OurMoneyMarket has a personal loan solution suited to just about everyone.

OurMoneyMarket offers the following personal loans

Rates and fees verified as correct at 10 July, 2020. Other information correct at the time of writing.

Product Interest rate from Comparison rate from* Upfront fee  
Car Loan (Fixed, Secured)

5.50% p.a.

5.85% p.a.based on $30,000
over 5 years


Go to site

14.65% p.a.

15.26% p.a.based on $30,000
over 5 years


Go to site

20.25% p.a.

21.22% p.a.based on $30,000
over 5 years


Go to site

8.00% p.a.

8.21% p.a.based on $30,000
over 5 years


Go to site

11.20% p.a.

11.68% p.a.based on $30,000
over 5 years


Go to site

9.35% p.a.

9.67% p.a.based on $30,000
over 5 years


Go to site

*The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers.

What personal loans does OurMoneyMarket offer?

Tier-based fixed rate personal loans

The unsecured OurMoneyMarket Low Rate Personal Loan offers competitive fixed rates on loans over $2,000 and up to $50,000, with different rate tiers depending on your credit score.

So if you’re an Aussie with a high credit score, you’ll get to enjoy some hot rates! On the other hand, if you’re working hard to improve the shape of your credit report, OurMoneyMarket is all for giving second chances, but your rate will be higher the lower your credit health.

OurMoneyMarket personal loan features at a glance

Repayment flexibility

Taking out a Low-Rate Personal Loan with OurMoneyMarket means you have a say in when you make your loan repayments. With the choice of either weekly, fortnightly or monthly loan repayments, OurMoneyMarket gives you room to find an option that suits your lifestyle.

Extra repayments facility

One of the great things about taking out an OurMoneyMarket Low Rate Personal Loan is it comes with a free extra repayment facility, meaning, you can pay off your loan as quickly as you'd like without being penalised for it.

Redraw facility

On top of a fee-free extra repayment facility, with the OurMoneyMarket Low Rate Personal Loan you'll have the freedom to dip into any extra loan repayments you've made should you ever need money to cover any unexpected or emergency expenses.

Unsecured Loan

The OurMoneyMarket Low Rate Personal Loan is an unsecured loan, so you don’t need to worry about owning a house, car or any other big asset to put up as security against your loan.

How are OurMoneyMarket personal loan products rated?

If you’re still not convinced, we suggest you go straight to the horse's mouth and check out these customer reviews on the OurMoneyMarket Low Rate Personal Loan.

How do you apply for an OurMoneyMarket personal loan?

So you’ve decided to go ahead with an OurMoneyMarket personal loan? Great choice! Apply with these 3 easy steps:

  1. Request a free quote online: It won’t cost you your money OR your credit score!
  2. 5-minute application: Fill out an online application in as little as 5 minutes
  3. 1-minute decision: After you submit your application it goes through OurMoneyMarket's credit assessment technology, giving you the outcome of your loan application in less than a minute.

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