How it works—
Our purpose is to save you time, effort & money when it comes to finding a personal loan. Find out how we do it.
you do.
we do.
Tell us about you
8 minLet us know about your financial position and your personal loan needs.Review your options
1 hourWe’ll contact you within 60 minutes of applying with a bunch of options for you to consider.Accept your offer
1 dayOnce you sign your contract with your chosen lender, you’ll have the money in your bank account within 24-hours.
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.
First—apply with us.
Submit an application with us where we’ll ask you details about yourself. This is so we can better understand your financial position. Your credit score won’t be impacted.
Next—we do the hard work.
Our team shops around with multiple lenders to find you the best deal. We’ll contact you within 60-minutes of submission with options for you to choose from.
Then—receive your money!
When you choose an offer that you’re happy with, the lender will send you a contract to review and sign. Once signed, you’ll have the money in your bank account within 24-hours.
Meet your lenders.
All our lenders need to pass a 4-point check. That’s the OIYO guarantee.
100% Online | Paperwork-Free | 100% Transparent | Doing Good Things
Popular reasons for a personal loan
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.
