Personal Loans

Get a personalised low rate up to 3%1 less than the big four, for excellent credit.

How much?  ($5k - $35k)


# The rate offered to consumers is based on DirectMoney's credit assessment.

The results from this calculator are for purposes of illustration only and do not constitute an offer of credit. All applications for credit are subject to DirectMoney's normal credit approval criteria.

Simple and flexible personal loans

DirectMoney is Australia's simplest Marketplace Lender for personal loan borrowers:

  • Efficient, online application
  • Lower interest rates for applicants with good credit history

DirectMoney's credit assessment process establishes a credit risk profile for each applicant. The credit risk profile is used to determine which band (refer to rates table) the applicant is assigned, and which interest rate is offered.

The credit assessment process takes into consideration more than an individual's credit risk profile. Having an adequate risk profile does not guarantee an offer will be made. DirectMoney may require the applicant to provide security over the assets being purchased with the loan proceeds.

Click here to view DirectMoney's interest rate table.


Invest in personal loans

The DirectMoney Personal Loan Fund2 ARSN 602 325 628 (the Fund) has been designed to provide Investors with:

  • Monthly distributions
  • The Fund seeks to deliver a consistent return of approximately 5.0% to 5.5% over the RBA cash rate, throughout a minimum suggested investment term of 3 to 5 years. This investment return objective is based on the historical premium over the RBA cash rate which has applied to unsecured personal loans.

    Note this investment return objective is not a forecast. It is merely an indication of what the Fund aims to achieve on the assumption that credit and debt markets remain relatively stable throughout the minimum suggested investment term.

    The Fund may not be successful in meeting this objective. Returns are not guaranteed.

Marketplace Lending Made Easy!

Leveraging the support of proven providers of financial services including One Investment Group and Unity Fund Services
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Partnered with Veda for credit reporting
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1. When comparing DirectMoney's lowest rate on an unsecured loan to similar products from competing lenders, as at July 2016. This rate applies only to borrowers with excellent credit histories. DirectMoney will also offer loans at higher rates to applicants with good histories, but do not meet the requirements for our lowest rates. Click here to view our full rates table.

2. The Responsible Entity for the DirectMoney Personal Loan Fund ARSN 602 325 628 (the Fund) is One Managed Investment Funds Limited (ABN 47 117 400 987) (AFSL 297 042) (RE). The Responsible Entity is the issuer of the Fund's Product Disclosure Statement.

3. Comparison rate(s) based on $10,000 unsecured loan, fixed over 3 years, with monthly repayments.

4. Comparison rate(s) based on $30,000 unsecured loan, fixed over 5 years, with monthly repayments.

* WARNING: 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.