$5,000 - $35,000& from as low as 8.5% p.a.1 and comparison rate of 9.36% p.a.3* for people with excellent credit

3 year term 5 year term

Repayment Summary

Monthly Repayments

Comparison Rate

Total Interest

About our Unsecured Personal Loans

DirectMoney offers an unsecured personal loan product that has great low rates, no early repayment fees or exit fees, and fixed repayments over either 3 or 5 years, make it very predictable. Being unsecured allows for great flexibility in how the loan funds can be used - a holiday, debt consolidation, wedding or home renovation.

Being a Marketplace Lender means that the rates we offer are personalised - so the better your credit history, the lower the rate you are eligible for.

Other Borrowers

"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."
- Nathan, Coburg VIC

How It Works

1. Apply Online

First, complete our online loan application form.

Your details are secure, private and confidential.

2. Processed Quickly

The application process - including online credit checks, bank record analysis, and identity verification - is highly automated, so we can get your personal loan approved as fast as possible!

3. Funds Transferred

Once your personal loan is approved, we can get the funds transferred to your bank account quickly. Funding your loan is our priority!

About DirectMoney

DirectMoney is an ASX listed company (code DM1.ASX), providing unsecured personal loans funded by private and retail investors via an efficient online platform for Australians. This is known as Marketplace Lending.

Without the inefficiencies of traditional lenders, the interest rates offered can be substantially better - with savings passed onto you.

  • No Exit Fees
  • No Early Repayment Fees
  • Unsecured
  • Online Application

Partnership Disclosure

DirectMoney Finance Ptd Ltd is an unsecured personal loan lender partnered with a third party, EZ Finance Pty Ltd. For every personal loan taken out by applicants referred to DirectMoney Finance Pty Ltd by EZ Finance Pty Ltd, EZ Finance Pty Ltd may receive a financial commission.


Registered member of the Credit Ombudsman Service 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