Personal Loans

Personal loans for any worthwhile purpose up to $35,000 unsecured - with terms up to 7 years from 9.60% Comparison rate. Receive super fast approvals within 24 hrs, fixed interest rates and no hidden fees.

Lower Interest Rates

Access a marketplace of people and institutions all working together to deliver you the best possible deal. We’re currently offering personal loan rates as low as 8.05% p.a or 9.60% Comparison Rate*

Fast Application

A quick and easy 100% online application. No printing. No paper. No fuss.

No Hidden Fees

No monthly account keeping fees, no exit fees and no early repayment fees. We only charge a simple establishment fee when you receive your funds.

Simple and Flexible

A simple unsecured fixed rate of interest that can be repaid weekly, fortnightly or monthly, over 3 to 7 years. Managed entirely online, at any time.


Steps to your Personal Loans


Am I eligible for a personal loan?

Direct Credit operates off one key principle: ‘Credit Where Credit’s Due’. Meaning borrowers with good credit history are rewarded better rates, and borrowers with recently improved credit performance are given a second chance.

To be eligible for an unsecured personal loan  you must at a minimum satisfy the following:

  • You are an Australian citizen or permanent resident
  • You are aged 18 years or older
  • Your gross income is greater than or equal to $25,000 per annum
  • You have an acceptable credit history with OurMoneyMarket’s credit bureau of choice, as determined at OurMoneyMarket’s discretion
  • You are not in hardship with another financial provider
  • There are no undischarged bankruptcy listings on your credit file

Quick Rate Quote

Obtain a free rate quote now and find out if our personal loan is right for you. It won’t impact your credit score and there’s absolutely no obligation to take out a loan.


Apply online today

Call us on Freecall 1800 000 800 for a no obligation chat or, if you’re ready to apply, get started now.

Start your application
Direct Credit Home Loans
1800 000 800 Australian Credit License Number 392727