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DirectMoney Personal Loan Rates Table

3 Years
Interest Rate
Comparison Rate²*
5 Years
Interest Rate
Comparison Rate³*
Diamond 8.50% p.a. 12.73% p.a. 8.50% p.a. 9.36% p.a.
Platinum 11.50% p.a. 15.81% p.a. 11.95% p.a. 12.84% p.a.
Gold 13.50% p.a. 17.86% p.a. 13.95% p.a. 14.85% p.a.
Silver 16.00% p.a. 20.43% p.a. 16.95% p.a. 17.88% p.a.
Bronze 18.50% p.a. 22.99% p.a. 19.95% p.a. 20.91% p.a.

Interest Rate Offers

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

The credit assessment process takes in to 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.


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&: 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