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. Need more convincing? Well, OurMoneyMarket also won a 2021 Mozo Experts Choice Award for Best Unsecured Personal Loan. 

OurMoneyMarket offers the following personal loans

Rates and fees verified as correct at 26 February, 2021. Other information correct at the time of writing. Advertiser disclosure.

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

$250

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Low Rate Personal Loan (Average Credit) (Fixed, Unsecured)

14.65% p.a.to 20.24% p.a.

15.26% p.a.to 20.88% p.a.based on $30,000
over 5 years

$400

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Low Rate Personal Loan (Below Average Credit) (Fixed, Unsecured)

20.25% p.a.

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

$600

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Low Rate Personal Loan (Excellent Credit) (Fixed, Unsecured)

6.75% p.a.to 8.48% p.a.

6.96% p.a.to 8.69% p.a.based on $30,000
over 5 years

$150

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Low Rate Personal Loan (Good Credit) (Fixed, Unsecured)

11.20% p.a.to 14.64% p.a.

11.68% p.a.to 15.13% p.a.based on $30,000
over 5 years

$325

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Low Rate Personal Loan (Very Good Credit) (Fixed, Unsecured)

8.49% p.a.to 11.19% p.a.

8.81% p.a.to 11.52% p.a.based on $30,000
over 5 years

$225

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OurMoneyMarket Personal Loan Overview

Tier-based fixed rate unsecured personal loan

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.

Car loan 

OurMoneyMarket also offers a fixed car loan option. Customers can borrow between $2,000 and $75,000 to fund the purchase of a new or used vehicle. There is a range of loan terms from 1 to 7 years, as well as the option to make weekly, fortnightly ot monthly repayments and free extra repayments. 

There are minimal fees attached to this loan, just be mindful of the upfront application cost. 

OurMoneyMarket personal loan features at a glance

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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