Match. Apply. Buy.

Mozo Rate Matcher

Find the loans you may qualify for - and the interest rates you’ll likely get.

The Mozo Rate Matcher is a free tool designed to help you get loan approval.

First we check your credit score via our partner Equifax (don’t worry, this doesn’t show up on your credit report). Our smart comparison engine then matches your results to lenders in our database who are ready to fund your loan.

Your credit score is just one factor that a lender considers, so using our tool isn’t a guarantee you’ll get loan approval, but our results will give you greater confidence in applying.

Our service is free and rest assured that your personal information is secure. We do not retain your information.
Learn more with our FAQs.

A few quick details...

These are required in order for us to check your credit score. Your results will take less than a minute.

enter first few characters

Example: 31/06/1970

Why use the Mozo Rate Matcher?


We run a free credit check that won't show up on your credit report


We show you tailored rates on eligible personal loans


You can apply immediately for the loan of your choice

Rate Matcher FAQs

Why is my credit score important to get a personal loan?

Many lenders in Australia now offer personalised interest rates and have a system of risk-based pricing. Your credit score is used as a factor in determining risk. Generally, the better your credit score, the lower the interest rates available.  

How do you get my credit score?  

Mozo has partnered with Equifax, who is a leading provider of credit information and analysis in Australia, to help power our Rate Matcher tool.

Why do you need my driver’s license and other personal information? 

We need this information to confirm your identity with Equifax so that we can get an accurate assessment of your credit score.

Will my personal details be safe? 

Yes, we connect to Equifax via a secure feed. We do not store your personal details.  

Are you sure using Rate Matcher will not negatively affect my credit report?

Yes, this is the benefit of using our tool prior to making a loan application.

How does the Rate Matcher tool determine my results?

Rate Matcher takes into consideration your desired loan amount and credit score if you were to be approved for that loan amount. It then matches this score to the interest rate bands that lenders have indicated to us are available for that credit score. 

Does Rate Matcher tell me my credit score?

No, Rate Matcher is not a credit score report service and we do not reveal your actual credit score. Our tool uses your credit score to see what personal loans you may qualify for.

How long does it take to get my results?

In the time that it takes you to read this sentence, you could have a list of lenders who are keen to help you. 

How do I apply for a loan? 

Once you’ve compared your loan options and found a lender that might best suit you, you can apply immediately. We connect you directly so that you can start your application. 

How long does it take to be approved for a personal loan?

This really depends on the lender but many online providers offer same day approval. Be sure that you have additional information at the ready such as payslips, ID and contact details so that you can complete your application on the spot.