Personal loans—
No matter the reason, we’ll help find you a personal loan tailored to your needs.
Whether you need to buy a car, consolidate your debt, or renovate your home, we’ll save you time, effort & money when it comes to finding a personal loan.
LOAN AMOUNTS
LOAN TERMS
LOAN TERMS
AVG TURNAROUND
INTEREST RATES
COMPARISON RATES
Whether you need to buy a car, consolidate your debt, or renovate your home, we’ll save you time, effort & money when it comes to finding a personal loan.
TAILORED LOANS
With access to multiple lenders and a deep knowledge of the personal loan market, we can help find you the best deals possible. Our service is obligation-free, so if we cannot help you or you don’t like any options we provide you, it doesn’t cost you a thing.
QUICK OUTCOMES
We understand that your time is valuable – this is why our whole process is 100% online. Most of the time, we can get you an offer from a lender the same day you apply.
FEEL-GOOD FINANCE
At OIYO, we’re all about helping regrow your finances and the planet at the same time. That’s why $5 for every approved loan goes to ReForest Now and our whole process is 100% online – no paperwork necessary.
For personal loans above $5,000 – Interest rate from 7.99% p.a. Comparison rate from 11% p.a. Terms, conditions, fees, and charges apply and are subject to change.
The starting interest rate of 7.99% (comparison rate of 11%) 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.
UNSECURED PERSONAL LOANS
In a nutshell, an unsecured personal loan doesn’t require you to put up an asset to ‘secure’ the loan. These types of loans are typically for smaller borrowing amounts and can often be processed quickly. However, it’s important to keep in mind that unsecured loans often come with higher interest rates. This is because the lender is taking on a higher risk without any security in the event you don’t make your repayments.
SECURED PERSONAL LOANS
A secured personal loan requires you to put up collateral such as a car, boat, or motorbike, to ‘secure’ the loan. Typically, this type of personal loan comes with a lower interest rate and a higher chance of approval because there is less risk for the lender. As a secured loan often requires documentation, it can sometimes take longer to process the application and approval compared to an unsecured loan.
When it comes to weighing up between a secured and unsecured personal loan, we can help. Our friendly OIYO brokers can help you work out the right decision for your needs and financial situation.
Popular reasons for a personal loan
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
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.
Real client testimonials.
Emily C.
I had the best outcome with Josh – buying 2 properties in a year! This was thanks to his industry knowledge and high work ethic – always going the extra mile and keeping me informed at every step. Will definitely be using Josh again, honestly can’t recommend him enough.
Ryan C.
Josh made a very complex situation very easy! He had my best interests at heart and was there every step of the way, answering any questions I had. Cannot rate Josh and his team highly enough.
Shanil F.
I couldn’t recommend Josh enough, he is patient, knowledgeable and you can rely on him to go the extra mile.
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.
