OurMoneyMarket personal loans

Whether you want finance to buy a new car or to pay for your next big holiday, OurMoneyMarket offers a range of personal loans.

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Compare OurMoneyMarket Personal Loans

5 of 5 results
Updated regularly
Interest rate (p.a.) Comp. Rate (p.a.) Application Fee Monthly Fee Monthly Repayment
Interest Rate (p.a.)
5.95%
to 18.99%
Comp. Rate (p.a.)
5.95%
to 21.78%
Application Fee
$0
min.
Monthly Fee
$0
Monthly Repayment
$911.98
Finder exclusive: Receive a $100 eGift Card if you have Excellent Credit (as determined by OMM’s credit assessment and scorecard), apply via Finder by 28 Feb 2026, and settle by 15 Mar 2026. For loans between $20,000 and $100,000 only. T&Cs apply.
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OurMoneyMarket logo
OurMoneyMarket Unsecured Low-Rate Personal Loan ($5,000-$100,000)
Fixed1 - 7 Years $5,000 - $100,000
Interest Rate (p.a.)
5.95%
to 18.99%
Comp. Rate (p.a.)
5.95%
to 21.78%
Application Fee
$0
min.
Monthly Fee
$0
Monthly Repayment
$911.98
No monthly or early exit fees. Loan amounts range from $5,000 to $75,000, and up to $100,000 for home improvement projects and motor vehicles.

Eligibility: Applicants with an Equifax credit score of 500 or above and an annual income of more than $25k are eligible.
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OurMoneyMarket logo
OurMoneyMarket Secured Personal Loan ($5,000-$100,000)
Fixed1 - 7 Years $5,000 - $100,000
Interest Rate (p.a.)
5.95%
to 18.99%
Comp. Rate (p.a.)
5.95%
to 21.78%
Application Fee
$0
min.
Monthly Fee
$0
Monthly Repayment
$911.98
View details
Compare product selection
OurMoneyMarket logo
OurMoneyMarket Home Improvement Loan
Fixed1 - 7 Years $5,000 - $100,000
Interest Rate (p.a.)
5.95%
to 18.99%
Comp. Rate (p.a.)
5.95%
to 21.78%
Application Fee
$0
min.
Monthly Fee
$0
Monthly Repayment
$911.98
No monthly or early exit fees. Loan amounts range from $5,000 to $75,000, and up to $100,000 for home improvement projects and motor vehicles.

Eligibility: Applicants with an Equifax credit score of 500 or above and an annual income of more than $25k are eligible.
View details
Compare product selection
OurMoneyMarket logo
OurMoneyMarket Green Loan
Fixed1 - 10 Years $5,000 - $75,000
Interest Rate (p.a.)
5.95%
to 18.99%
Comp. Rate (p.a.)
5.95%
to 21.78%
Application Fee
$0
min.
Monthly Fee
$0
Monthly Repayment
$911.98
View details
Compare product selection
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Showing 5 of 5 results
Finder Awards badge

Congratulations, OurMoneyMarket!

OurMoneyMarket was a big winner in the 2026 Finder Awards.

  • Highly Commended, Best Unsecured Personal Loan: OurMoneyMarket Unsecured Low-Rate Personal Loan ($5,000-$100,000)
  • Highly Commended, Best Secured Personal Loan: OurMoneyMarket Secured Personal Loan ($5,000-$100,000)

Full list of 2026 personal loans winners

Types of personal loans from OurMoneyMarket

There are 2 types of personal loans that you can get from OurMoneyMarket:

Unsecured personal loans: With an unsecured personal loan from OurMoneyMarket you can use the loan for a variety of reasons without risking your security.

Secured personal loans: With a secured personal loan from OurMoneyMarket you can secure the loan against something like a car or a property. You'll risk the security if you fail to make repayments, but you'll often get a lower interest rate.

Within those 2 loan types there are many options for how to use them:

  • Car and vehicle loan. You can take out a secured or an unsecured personal loan to purchase a car or other vehicle.
  • Debt consolidation. You can use an unsecured personal loan from OurMoneyMarket to consolidate multiple debts you might have.
  • Holiday loan. You can use a secured or unsecured personal loan to pay for your next holiday.
  • Home improvement. You can use a secured or unsecured personal loan to fund the costs of renovations and home improvements.
  • Wedding loan. By using a secured or an unsecured personal loan you could also pay for your big day!
  • Education costs. With a secured or an unsecured personal loan you could pay for high education costs.
  • Medical expenses. With a secured or an unsecured personal loan you could pay medical bills.
  • Green personal loan. You can borrow with a secured or unsecured personal loan to invest in energy efficient renovations like solar panels, rainwater tanks and electric vehicle charging stations.

Features of OurMoneyMarket personal loans.

  • Loan amounts. You can borrow between $5,000 and $100,000 with an OurMoneyMarket personal loan.
  • Loan terms. Borrow and repay over a loan term of 1 to 7 years.
  • Security options. You can choose between a secured and an unsecured personal loan, even for loans which aren't for cars.
  • Flexible repayments. You can choose whether you want to make repayments weekly, fortnightly or monthly.
  • Fixed interest rates. With a fixed interest rate your repayments will stay the same each month for the duration of the loan.
  • No monthly fees. There are no account-keeping fees and no early repayment fees.
  • Online application. You can apply for finance and obtain conditional approval within minutes through the online application.
  • No vehicle age limits. If you're obtaining finance for a car or vehicle, you can borrow finance for a new or used car with no age limits.
  • Fast access to cash. As long as you're approved, you could have the funds in your account within 48 hours.
  • Personalised rates. OurMoneyMarket will use your credit score, borrowing power and other information to provide you with personalised interest rates.

How much does an OurMoneyMarket personal loan cost?

A personal loan through OurMoneyMarket will have personalised interest rates from 5.95% p.a. to 18.99% p.a..
OurMoneyMarket doesn't charge any ongoing account-keeping fees. However other costs that come with an OurMoneyMarket personal loan include:

  • Establishment fee. This cost will be calculated as to of your loan subject to a minimum of .
  • Late payment fee. There is a charge of $35 if the account goes into arrears. The fee is payable on the 5th, 14th, 21st and 30th days after the payment date.
  • Direct debit dishonour fee. There's a $25 fee if OurMoneyMarket cannot process the direct debit payment.

Other fees and charges may be associated with the loan. You should look at the lender terms and charges in your contract.

How to apply

To apply for one of OurMoneyMarket's personal loans you just need to go to their website and click Get Started or Apply Now.

You can fill out some basic information to get your quote using your credit score information. If you're happy with the interest rate and costs you can complete the application and identity verification within minutes.

Once you're approved, you'll get the funds within 48 hours.

To apply you'll need:

  • Personal details such as name and address.
  • Proof of identity such as a passport or drivers licence.
  • Proof of employment and income, such as payslips.
  • Bank statements to show other expenses.

If you're opting for a secured personal or vehicle loan, you'll also need the information of the security.

Sources

Rebecca Pike's headshot
Written by

Editor, Money

Rebecca Pike is Finder’s money editor, with over 7 years of experience in mortgages and personal finance. A frequent TV and radio commentator, she frequently appears on Sunrise and 7News, Today and 9News, as well as Sky News, Channel 10 and across radio and print. Rebecca previously served as Editor of Mortgage Professional Australia. She has a Master’s degree in Journalism as well as ASIC-recognised certifications in Tier 1 Generic Knowledge and Tier 2 General Advice Deposit Products, which comply with ASIC guidelines. See full bio

Rebecca's expertise
Rebecca has written 293 Finder guides across topics including:
  • Home loans
  • Personal Loans
  • Car Loans
  • Cost of living
  • Budgeting
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