DirectMoney Personal Loans

Rates and fees last updated on

Take advantage of a tailored interest rate and loan amounts up to $35,000 from DirectMoney.

If you’re looking to consolidate your debt, finance a wedding, holiday or even car purchase, DirectMoney can offer you an unsecured personal loan of between $5,000 and $35,000. Its rates are offered on a tiered structure, where the better your credit history the better your rate. Comparison rates start at 9.36% p.a.. Find out everything DirectMoney has to offer below.

DirectMoney Unsecured Personal Loan

DirectMoney Unsecured Personal Loan


8.50 % p.a.

fixed rate


9.36 % p.a.

comparison rate

  • Marketplace lender
  • Personalised interest rate
  • Borrow from $5,000
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DirectMoney Unsecured Personal Loan

The Unsecured Personal Loan from DirectMoney offers a range of tiered interest rates depending on your credit history.

  • Interest rate from: 8.50% p.a.
  • Comparison rate: 9.36% p.a.
  • Interest rate type: Fixed
  • Application fee: $595
  • Minimum loan amount: $5,000
  • Maximum loan amount: $35,000
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Compare DirectMoney Personal loans

Rates last updated December 14th, 2017
Name Product Interest Rate (p.a.) Comparison Rate (p.a.) Min Loan Amount Loan Term Monthly Service Fee Application Fee Product Description Monthly Repayment
DirectMoney Unsecured Personal Loan
From 8.5% (fixed)
3 to 5 years
This unsecured loan features tiers of interest rates from 8.5% p.a. to 19.95% p.a. based on your credit history.

Compare up to 4 providers

DirectMoney offers one basic type of loan, but as an unsecured personal loan, this can be used for a variety of purposes.

  • Debt consolidation. You can use your personal loan to consolidate existing debts from one or more loans and credit accounts.
  • Car loan. Looking to purchase a new or used vehicle? With loan amounts of up to $35,000 available, you can use a DirectMoney loan to finance your purchase.
  • Wedding loan. Unexpected expenses can crop up before your wedding. DirectMoney can have a loan amount transferred to you on the same day you apply, helping you to cover wedding expenses when they come up.
  • Holiday loan. You can also take out a personal loan to help fund a holiday. Pay for some or all of your trip using a loan from DirectMoney.

Features and benefits of a DirectMoney personal loan

DirectMoney offers an innovative lending platform for you to secure a personal loan. When you take out a loan with them you’ll be able to enjoy the following features:

  • Loan amount. Borrow between $5,000 and $35,000.
  • Loan term. You can take out a loan for a period of either 3 year(s) or 5 year(s).
  • Paying back your loan. Set up a direct debit to cover your monthly repayments. Your also able to pay off your loan early with no early repayment fee.
  • Fees. You’ll have to pay an establishment fee of $595, but there are no ongoing account-keeping fees or early repayment fees. Keep in mind late payment fees apply.
These rates are offered to those with medium-level credit histories.
  • Silver band: You will be offered this rate if you have a lower level credit rating.
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    How to apply for a personal loan from DirectMoney

    Applying for a personal loan from DirectMoney is simple. Just click ‘Go to Site’ on this page to fill out an online application form, which shouldn’t take longer than ten minutes. You’ll need to undergo an online credit check, have the last three months of your bank statements analysed, and have your identity verified. You’ll also need to:

    • Be aged 18 years or older
    • Be employed and earn a gross income of $30,000 p.a.
    • Be a permanent Australian resident or citizen
    • Have had a clean credit file for the past seven years
    • Earn a gross annual income of at least $30,000
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    6 Responses

    1. Default Gravatar
      phyllisFebruary 2, 2017

      Is Direct Money affiliated to a bank?

      • Staff
        AnndyFebruary 2, 2017Staff

        Hi Phyllis,

        Thanks for your question.

        DirectMoney is a registered managed investment scheme, not a lender and not affiliated with any bank. It brings together borrowers and lenders through web-based technology.


    2. Default Gravatar
      imoMarch 12, 2016

      where can i find your branch here in nigeria

      • Staff
        ElizabethMarch 14, 2016Staff

        Hi Imo,

        Unfortunately DirectMoney is an Australian lender and doesn’t have any branch locations in Nigeria. As we are an Australian financial comparison service none of the lenders on this website will be able to consider you for a loan unless you reside in Australia – you may need to contact a lender in Nigeria to find a loan.

        Sorry we couldn’t be of more assistance.



    3. Default Gravatar
      GregJanuary 5, 2016

      I see you have to be in full time employment,what about self employed?

      • Staff
        ElizabethJanuary 5, 2016Staff

        Hi Greg,

        The minimum criteria for Direct Money are that you are employed and earning at least $30,000 p.a. If you meet these criteria you are able to apply. However, if you have specific questions regarding your eligibility it would be best to contact Direct Money directly.



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