The details shown below are for a fixed loan between $2,001 and $75,000
The details shown below are for a fixed loan between $2,001 and $75,000
The details shown below are for a fixed loan between $2,001 and $75,000
The details shown below are for a fixed loan between $2,001 and $75,000
The details shown below are for a fixed loan between $2,001 and $75,000
The details shown below are for a fixed loan between $2,001 and $75,000
Choose the version of this loan that suits you best
| Loan type | Name | Min loan amount | Max loan amount | |
|---|---|---|---|---|
| | Fixed | Special Offer Low Rate Personal Loan (Fixed, Unsecured, 12 Month Introductory Rate) | $2,001 | $75,000 |
| | Fixed | Low Rate Personal Loan (Excellent Credit) (Fixed, Unsecured) | $2,001 | $75,000 |
| | Fixed | Low Rate Personal Loan (Very Good Credit) (Fixed, Unsecured) | $2,001 | $75,000 |
| | Fixed | Low Rate Personal Loan (Good Credit) (Fixed, Unsecured) | $2,001 | $75,000 |
| | Fixed | Low Rate Personal Loan (Average Credit) (Fixed, Unsecured) | $2,001 | $75,000 |
| | Fixed | Low Rate Personal Loan (Below Average Credit) (Fixed, Unsecured) | $2,001 | $75,000 |
Loan: $2,001 $75,000
Loan: $2,001 $75,000
Loan: $2,001 $75,000
Loan: $2,001 $75,000
Loan: $2,001 $75,000
Loan: $2,001 $75,000
With competitive one-year fixed rates starting at 5.40% p.a. (6.36% p.a. comparison rate*) on loans over $2,000 and up to $75,000, plus free extra repayments and fee-free redraw facility, the OurMoneyMarket Low Rate Personal Loan is just what you need to fund your wedding, home renovations and even your dream holiday. Plus, on top of all this, this loan bagged a 2021 Mozo Experts Choice Award for best Unsecured Personal Loan!
The OurMoneyMarket Low Rate Personal Loan offers a competitive one-year fixed rate at 5.40% p.a. (6.36% p.a. comparison rate*) on loans over $2,000 and up to $75,000 when you first take out the loan, no matter your credit rating. After the first year, this rate may change to a different rate tier depending on your credit score. So if you’ve worked hard to keep your credit report in good shape, you’ll be able to enjoy the reward of a low rate.
There are loads of great features up for grabs, like free extra repayments so you can pay your loan off as quickly as you’d like without any penalty for it! Not to mention a fee-free redraw facility, which is handy just in case you ever need some extra money to fall back on in case of any unexpected expense or bill.
The OurMoneyMarket Low Rate Personal Loan is an unsecured loan, so you won’t need to worry about putting up your car or other valuable assets as security. And if you’re after flexibility, you’ll be pleased to find that this loan offers a choice of either weekly, fortnightly or monthly loan repayments, with loan terms ranging from 1 to 7 years.
After the first year, the OurMoneyMarket Low Rate Personal Loan offers different rate tiers according to your credit score, so if you’re an Aussie with a high credit score, you’ll get to enjoy the reward of a super low rate. By the same token, if your credit report has room for improvement, OurMoneyMarket is willing to give you a second chance, but you may have a higher rate for the remainder of the loan period.
While there are no service, exit or early repayment penalties, the OurMoneyMarket Low Rate Personal Loan does have a $250 (minimum) upfront fee and a $35 late payment fee, so remember to budget for the application fee and avoid late payments.
Plus, if your credit rating is below-average, rates can go up to a steep 20.25% (21.22% comparison rate*) after that first one-year low fixed rate, making your loan much more expensive.
Fixed
n/a
6.36% p.a.based on $30,000
over 5 years
$150.00
$0.00
$35.00
$0.00
$0.00
$2,001.00
$75,000.00
1 Year
7 Years
Unsecured
Weekly, Fortnightly, Monthly
yes
yes
Special Offer fixed rate available for the first 12 months of the loan term. After 12 months the interest rate reverts to the offered rate available on application depending on risk profile.
none
WARNING: 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. 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.
Fixed
6.29% p.a.to 8.48% p.a. fixed
6.36% p.a.to 8.69% p.a.based on $30,000
over 5 years
$150.00
$0.00
$35.00
$0.00
$0.00
$2,001.00
$75,000.00
1 Year
7 Years
Unsecured
Weekly, Fortnightly, Monthly
yes
yes
Rate for Excellent Credit
none
WARNING: 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. 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.
Fixed
8.49% p.a.to 11.19% p.a. fixed
8.81% p.a.to 11.52% p.a.based on $30,000
over 5 years
$225.00
$0.00
$35.00
$0.00
$0.00
$2,001.00
$75,000.00
1 Year
7 Years
Unsecured
Weekly, Fortnightly, Monthly
yes
yes
Rate for Very Good Credit
none
WARNING: 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. 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.
Fixed
11.20% p.a.to 14.64% p.a. fixed
11.68% p.a.to 15.13% p.a.based on $30,000
over 5 years
$325.00
$0.00
$35.00
$0.00
$0.00
$2,001.00
$75,000.00
1 Year
7 Years
Unsecured
Weekly, Fortnightly, Monthly
yes
yes
Rate for Good Credit
none
WARNING: 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. 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.
Fixed
14.65% p.a.to 20.24% p.a. fixed
15.26% p.a.to 20.88% p.a.based on $30,000
over 5 years
$400.00
$0.00
$35.00
$0.00
$0.00
$2,001.00
$75,000.00
1 Year
7 Years
Unsecured
Weekly, Fortnightly, Monthly
yes
yes
Rate for Average Credit
none
WARNING: 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. 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.
Fixed
20.25% p.a. fixed
21.22% p.a.based on $30,000
over 5 years
$600.00
$0.00
$35.00
$0.00
$0.00
$2,001.00
$75,000.00
1 Year
7 Years
Unsecured
Weekly, Fortnightly, Monthly
yes
yes
Rate for Below Average Credit
none
WARNING: 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. 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.
NOW Finance
Unsecured Personal Loan
5.95% p.a.to 17.95% p.a.
5.95% p.a.to 17.95% p.a.based on $30,000
over 5 years
Plenti
Unsecured Personal Loan (Fixed)
5.44% p.a.to 7.49% p.a.
5.44% p.a.to 8.19% p.a.based on $30,000
over 5 years
Symple Loans
Personal Loan
5.75% p.a.to 25.99% p.a.
6.47% p.a.to 29.2% p.a.based on $30,000
over 5 years
Wisr
Unsecured Personal Loan
6.49% p.a.to 19.95% p.a.
6.49% p.a.to 19.95% p.a.based on $30,000
over 5 years
MoneyMe
Personal Loan
6.25% p.a.to 19.95% p.a.
7.64% p.a.to 21.35% p.a.based on $30,000
over 5 years
SocietyOne
Unsecured Personal Loan (Fixed)
5.95% p.a.to 10.49% p.a.
5.95% p.a.to 12.83% p.a.based on $10,000
over 3 years
Plenti
New Car Loan (Fixed)
4.89% p.a.to 8.89% p.a.
5.44% p.a.to 9.46% p.a.based on $30,000
over 5 years
Wisr
Secured Car Loan
4.74% p.a.to 16.01% p.a.
4.75% p.a.to 16.03% p.a.based on $30,000
over 5 years
NOW Finance
Secured Personal Loan
4.45% p.a.to 15.45% p.a.
4.45% p.a.to 15.45% p.a.based on $30,000
over 5 years
Great Southern Bank
Secured Car Loan (Fixed)
6.79% p.a.
7.16% p.a.based on $30,000
over 5 years
Plenti
Used Car Loan (Fixed)
5.29% p.a.to 9.99% p.a.
5.84% p.a.to 10.56% p.a.based on $30,000
over 5 years
NOW Finance
Unsecured Personal Loan
5.95% p.a.to 17.95% p.a.
5.95% p.a.to 17.95% p.a.based on $30,000
over 5 years
OurMoneyMarket
Low Rate Personal Loan
6.29% p.a.to 8.48% p.a.
6.36% p.a.to 8.69% p.a.based on $30,000
over 5 years
Plenti
Unsecured Personal Loan (Fixed)
5.44% p.a.to 7.49% p.a.
5.44% p.a.to 8.19% p.a.based on $30,000
over 5 years
Wisr
Unsecured Personal Loan
6.49% p.a.to 19.95% p.a.
6.49% p.a.to 19.95% p.a.based on $30,000
over 5 years
Symple Loans
Personal Loan
5.75% p.a.to 25.99% p.a.
6.47% p.a.to 29.2% p.a.based on $30,000
over 5 years
MoneyMe
Personal Loan
6.25% p.a.to 19.95% p.a.
7.64% p.a.to 21.35% p.a.based on $30,000
over 5 years
SocietyOne
Unsecured Personal Loan (Fixed)
5.95% p.a.to 10.49% p.a.
5.95% p.a.to 12.83% p.a.based on $10,000
over 3 years
Plenti
Used Car Loan (Fixed)
5.29% p.a.to 9.99% p.a.
5.84% p.a.
$0.00
