1300 992 007

DirectMoney offers both secured and unsecured personal loan products which have great low rates, no early repayment fees or exit fees, and fixed repayments over 3 or 5 year periods.

  • Australia’s first ASX listed marketplace lender

  • Borrow between $5,000 and $35,000&

  • Lower interest rates for applicants with good credit history












Finally…the rate you deserve

Get Estimate

We’ve helped thousands of Australians
reduce their cost of borrowing

Value of loans funded to date

3 year term 5 year term

Repayment Summary

Monthly Repayments

Comparison Rate

Total Interest

Vehicle Finance

Find my rate

A fast and simple way to purchase your vehicle

Home Improvements

Find my rate

We help you to improve your home


Find my rate

Planning your trips now is much more easier

Caravans & Trailers

Find my rate

A simple way to purchase your next caravan/trailer

Boats & Jetskis

Find my rate

Enjoy the thrill and speed with a new boat or jetski

Debt Consolidation

Find my rate

Live stress free as we help you repay your debts

Fast application

We’ve built a simple, fast and easy-to-use online experience.

Personalised rates

Our interest rates are personalised to provide you with a much fairer deal

No nasty surprises

We have one fee and that’s it. Plus, there’s no fee for repaying early.

No Obligation Estimate

Any worthwhile loan purpose

Security may be requested for certain loan purposes

Interest Rates

Fixed from 8.50% p.a. (3 year term)
Fixed from 8.50% p.a. (5 year term)

Comparison Rates

From 12.73%p.a. ($10,000 over 3 years)2*
From 9.36%p.a. ($30,000 over 5 years)3*

Interest is calculated daily

Pay via monthly Direct Debit

Fixed monthly payment amount

No early repayment fees or exit fees

No annual fee

3 or 5 year repayment terms

You’re in good company. Here’s what
our customers are saying…

“My bank had delivered the standard deal - 14.35% - no rate rewards for my ongoing business or good account behaviour. DirectMoney was able to provide a 10.75% rate to refinance my loan and the funds were received the next business day!"

Mr King

Wollstonecraft NSW

“I had a credit card debt that was going nowhere even though I was paying $500 per month. I contacted DirectMoney who offered me a better interest rate than what I was paying and a lower monthly repayment. Now I feel like my debt is finally disappearing.”


Coburg VIC

“The team over at DirectMoney helped me finance my motorbike. It was a really easy process and I ended up saving a lot of money compared to what my bank was prepared to do for me - even after all the years I’ve banked with them. Great rates, great service.“


Kellyville NSW


Registered member of the Credit & Investments Ombudsman for dispute resolution | Partnered with Equifax Pty Ltd. for credit reporting | Full-site HTTPS, AES-256 data encryption.

&: Excludes any additional fees that may apply.

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

The results from loan 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.

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

3: 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