Home improvement loans—
Improving your living space is crucial for a clear mind. Let a home improvement loan cover the costs while you get to planning.
Improving your home can take many forms. Whether you’re in the market for reflooring, renovating or repainting – a home improvement loan can help cover the costs.
LOAN AMOUNTS
LOAN TERMS
AVG TURNAROUND
INTEREST RATES
COMPARISON RATES
Improving your home can take many forms. Whether you’re in the market for reflooring, renovating or repainting – a home improvement loan can help cover the costs.
PLENTY OF OPTIONS
Whichever part of the home you’re wanting to improve, a loan can get you where you need to be financially. Whether you’re wanting to make minor changes or completely refurb the place – there are plenty of options for every budget.
DON’T MISS OUT
If you’ve spotted a great deal from a local renovator, don’t pass on it. With OIYO, you can find the lender of your dreams in no time at all – letting you get back to what’s important while we sort out the rest.
TRUST IN US
With OIYO, you can rest assured that we have your best interests at heart. We ensure clients are well suited to their chosen lender, and only approve customers who we’re certain will benefit from a loan.
For personal loans above $5,000 – Interest rate from 6.89% p.a. Comparison rate from 7.34% p.a. Terms, conditions, fees, and charges apply and are subject to change.
The starting interest rate of 6.89% (comparison rate of 7.65%) assumes a customer with an excellent credit history. Credit criteria and terms and conditions apply. Representative example: For a 5-year unsecured loan of $15,000 at 10.99% p.a. (12.25% comparison rate*), the total amount payable over the course of the loan would be $20,255, which includes the interest of $4,730 and an establishment fee of $525. Interest rates are based on an individual’s financial circumstances. Checking your rate will not affect your credit score. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees, or other loan amounts might result in a different comparison rate with the lender that finances your loan.
Why use OIYO?
Why us
Choice.
Submit 1 application and choose from 9 lenders. This gives us the freedom to find you the best deal possible for your individual needs.
Simple.
We’ve simplified the process of finding a personal loan so you can get on with life. That’s why we’re fast, 100% online and paperwork-free.
Experts.
With a combined 15+ years of experience, our award-winning brokers are in the best position to help you find the right personal loan.
Honest.
We keep the lenders and banks honest by fighting for the best deal. From start to finish, we’re here to help you in your finance journey.
Real People.
We see you as a person, not a number. Our service is obligation-free – if we can’t help you or if you don’t like any options we find you, it won’t cost you a thing.
Conscious.
Not only do we believe in doing right by you, but also right by the environment. Every decision we make matters, for today and for the future.
What we don't do.
We don’t do hard credit checks.
We don’t have hidden fees
We don’t see you as just a number.
We don’t do one-size-fits-all rates.
Popular reasons for a personal loan
Our mission.
We’re on a mission to disrupt the brokerage space, one personal loan at a time. This is because we believe that there is a better way of doing things by our clients and the planet.
Electrical vehicle loans.
Electrifying news! From 1 July 2022, the QLD government is offering a $3,000 subsidy to buy an electric car to the value of $58,000.
Feel-good finance.
Do good, feel good. $5 from every approved loan gets donated to ReForest Now—a non-profit NGO that grows and plants trees in Australia.
Why we do what we do.
We are personal loan specialists. We live and breathe personal loans, working hard to find you the best deal, and our awards reflect this.
Common questions
Before you submit an application with us, make sure you meet our eligibility criteria:
- At least 18 years of age
- An Australian citizen or permanent resident
- Have a regular income
To submit an application with us, all you’ll need is your mobile phone and Internet banking details.
We can help our clients borrow a personal loan from $5,000 up to $80,000 with terms from 1 year to 7 years.
It couldn’t be any more simple at OIYO. All you need to do is submit an application with us – it takes, on average, 8 minutes to complete – and we’ll do the rest. Our average turnaround time is 12-hours and our service is obligation-free.
You’re welcome to apply with OIYO if you currently have other forms of personal finance. Upon assessment, our team will determine whether you’re eligible for another loan before approval.
At OIYO, we partner with a number of sustainability-minded lenders, including:
- Money Place
- Plenti
- Jacaranda Finance
- WISR
- Latitude Finance
- NOW Finance
- Society One
- MoneyMe
- Our Money Market
At OIYO, we let you do the choosing. If we determine that you’re suitable for a loan, we’ll do our best to match you with a lender which aligns with your values; however, you’ll always have the last say when it comes to choosing which lender you go with.