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2OurMoneyMarket

OurMoneyMarket

 Verified🏆 2026ourmoneymarket.com
2OurMoneyMarket
4.5

1,316 reviews

Positive vs Negative
88%12%
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Loan TypeFixed Rate, Variable Rate, Line of Credit and Split
Average Loan Term5 years
Transparency ?
4.4
Customer Service
4.5
Application Process
4.5
Timeliness ?
4.5

 AI reviews summary 

Feedback for OurMoneyMarket indicates a high level of satisfaction regarding individual staff performance and application speed, contrasted by significant frustration with phone wait times and administrative transparency. While the majority of users report a seamless experience, a segment of customers highlights aggressive follow-up tactics and discrepancies between advertised and offered interest rates.

Pros
Exceptional Staff Support: Reviewers consistently name specific staff members (notably Zac, Joshua, and Ananya) for being professional, knowledgeable, and genuinely helpful during the application process.
Innovative SMS Service: The use of proactive text messaging to assist customers waiting in long phone queues is highly praised for resolving queries quickly and saving time.
Efficient Application Turnaround: Many users report extremely fast outcomes, with some receiving pre-approval within 30 minutes and funds deposited on the same day as the application.
Flexible Loan Features: The ability to make early repayments without penalties and the willingness of staff to negotiate or price-match rates are frequently cited as key benefits.
Cons
Significant Wait Times: Extended hold times on phone lines are a major recurring issue, with some users reporting waits of 50 to 60 minutes to reach a representative.
Rate Discrepancies: There are multiple complaints regarding "bait and switch" pricing, where offered interest rates were significantly higher than the single-digit rates advertised or initially quoted.
Aggressive Communication: Some individuals who started but did not finish a quote reported being "bombarded" with multiple calls, texts, and emails in a very short timeframe.
Opaque Security Requirements: Several users expressed strong privacy concerns and distrust regarding the mandatory use of third-party services to access bank login credentials rather than accepting PDF statements.
Verdict

OurMoneyMarket is a strong option for consumers seeking rapid loan processing and personalised service, provided they are comfortable using digital tools and third-party bank verification. However, potential borrowers should be prepared for long phone wait times and should carefully scrutinise final loan terms to ensure the interest rate matches their expectations.

1,316 reviews
5 Maria  · Zac was very efficient in getting me the information I needed.
5 Deepanshu  · Zac was quick and easy to assist,fixed my issue via sms only
4 jorge l.  · Joshua was great. He answered my questions and gave me the information that I needed to get my car settled quickly.
5 Tee C.  · Zac was prompt and to the point with helping me. He sorted out my 2 inquiries in 10 minutes and without drama. Very happy
5 Cory R.  · Got fast approval. Helpful service. Was able to get a question answered via text when I was on hold. Thanks Zac
5 iron  · Zac Responded quickly and with great detail! Happy to deal with omm in the future
bailey w.
bailey w.
 

Zac was extremely helpful and polite and was able to resolve my issue extremely quickly! I didn’t need to wait on hold and was able to get on with my day straight away

Ask the reviewer

Reviews with attachments

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Denis.R
Denis.R
 

I can't recommend Our Money market enough, I have had some hard time the last few years but everyone at our money market has been up front and dont cut corners, they have been able to help me with loans that have fit my budget comfortably and with no extra hidden fees also being able to pay of the loan earlier has been very helpful cutting down… Read more

the interest. The interest rates have been the best offered to me out of every other loan company. I have previously been applying for a new loan after I had my car written off by another drive cutting an intersection and Ananya in the settlement team has been so helpful with some last min changes in wanted to make letting me know what was possible and what wasn't, I even had the phone call drop out and Ananya called me straight back to continue the conversation. It can be a little bit of a wait to get through but once on the phone the team at our money market will look after you. 10 stars service and great communication.

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James
JamesQLD2 posts
 

Jordan and the rest of the team provided me such good service. Jordan was able to ask the right questions and provide a viable solution to my car that was extremely difficult. He handled everything so well and kept in touch with me every step of the way, I love this car and I couldn’t have done it without Jordan and the team. If it’s available I… Read more

think Jordan deserves an award of some kind seeing as he stayed on the phone with me for hours even going beyond his clock off time. Thanks guys.

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Hexen1012
Hexen10124 posts
 

I can't speak more highly as to their professionalism and promptness. I engaged OMM at the eleventh hour regarding vehicle finance after feeling the dealership were not forthcoming with hidden fees etc. That was not the case here. Straight forward, upfront and answered all my questions. Acted very quickly on processing documents and the whole ordeal was very easy. My consultant was Anisul. Definitely recommended. Show details

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Greg B.
Greg B.
 

OMM Car Loan, Jake was very courteous and helpful in walking me throught the necessary processes of loan documentation. Even making small changes to facilitate ease of payment timing. Thanks OMM, and thank you Jake!

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Michael.
Michael.VIC
 

Great customer service – Car loan application experience was outstanding, helpful staff and communication. Aster and Katia were so professional, made the process easy, with such great support. Can’t thank them enough for the most amazing service. It sounds like I am gushing, but the experience was every bit deserving of such an expressive review. Don’t hesitate to use there service if you need assistance to purchase a car. Show details

Latest follow-ups

MBG
MBGVIC
 

Terrible – I had one negative transaction that would have them decline my application, having said that no one reached out to try and figure out what the reason for that transaction was, I had problems making an online purchase and I am sure as that was viewed… Read more

as a negative. I'm sure of this as I have excellent score and no negatives on my file. If you want to be treated as a number by a robot company go to them.

 Follow-up  · I had a few interest charges from a credit card cash advance I used for a once off purchase

Dan
Dan
 

Ananya and Jake were the best. Made a very stressful situation into a very easy process. Have no problems recommending this company and the team going forward. Thanks so much. Show details

 Follow-up  · Just wish to thank the team for the friendly and easy process my wife and I are so grateful for the surface and support that you gave

Positive reviews

Maryann clark
Maryann clarkVIC
 

Trying to get in touch today was not easy . Until Zac message me after being on hold for 20mins. He dealt with my issue quickly through text and was very helpful Show details

Jess O
Jess OQLD5 posts
 

I had a pretty good experience with OMM. I was really hesitant after reading the 1 star online reviews right after applying/signing. I was worried things would take a lot longer than discussed but honestly my loan was put through in the Tuesday, settled and paid on the Thursday. I will say that I wasn’t sent any portal access, or updates via email… Read more

so I was unable to see any loan progress which made me feel like it was in limbo and getting worried but as soon as I called and I got portal access, I could see the all status’s of my application, once I saw it was settled I had the funds within the hour. There was no unexpected costs, I was initially quoted a lower rate online but it was explained that was for only new cars not used. I communicated with Jake, a woman and Zac was via text. Each time they were very helpful. There was lengthy call delays but now my portal is set up I can see everything I feel I need

Sara B.
Sara B.4 posts
 

I had a great experience with OMM. They were quick, gave me all the options when applying and the process was simple and their platform is easy to use. Most recently, I spoke with Zac via text who was quick to help with my query and had it solved within a few minutes. Really great service on his part I'm glad they have a text feature to bypass the long holds.

Negative reviews

Nick
NickWA
 

What a waste of time and energy!! Zero customer service. Waiting times are hideous and no audacity to reply if you are hooked into after signing a document. Enquired about a loan, contacted multiple following up and when ansked about their ability to do a better deal I was promised about it that they could beat any other offer and that my loan… Read more

was already approved. I subsequently agreed to proceed and was asked to provide a number of documents. Day after day they asked for documents that were not initially required. Did everything they asked for and them every day new email asking about ubrelatable questions. Multiple emails sent, multiple follow ups made, multiple text messages sent asking for information and have received zero response after 3 days. Meanwhile, in the early stages I was called multiple times on a public holiday asking for information. I have also tried calling..... 90+ minutes on hold with no answer. Let’s say one month and still my way on loan not settled. I was also informed no credit was done however they have actually dont it multiple times. I would steer clear from this organisation.

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rob crr
rob crr
 

as an initial new customer - wait times on phone are hideous, application times are even worse - unfortunately, the process was under way and I had to go with their service - now as a customer, the wait times are even worse - considering their crappy opening hours, staggering they make you wait so long - clearly running a string line customer service team on an even smaller budget

Ashwin KUMAR
Ashwin KUMAR3 posts
  Verified

OMM appears to be driven purely by profit, operating with a short-term mindset that comes at the expense of transparency and customer trust. Their advertised single-digit interest and comparison rates feel misleading, as they don’t reflect what you actually end up getting. In my experience, I applied for a car loan with a pre-approved rate of… Read more

5.5% over 4 years. I provided full documentation upfront—income, expenses, bank statements, and details of my existing loan. Based on that, they initially approved a loan at 8.5% over 6 years, which I agreed to and signed even though i wanted 4 year term which they rejected.

I also asked detailed itemized breakdown how much interest and principle will be deducted each month for entire loan term as contract agreement was just superficial and does not mention any details. This is crucial as they will charge high interest at start . They told me it is fixed interest rate so no need to worry. This is level of understaffing of their staff or another misleading tactics for customers.

However, after the agreement was signed, they introduced a completely new condition: I would need to refinance my existing personal loan and combine it with the new loan at an interest rate of 11.5%. This was never disclosed earlier, despite me being transparent about my financial situation from the beginning.

What’s more concerning is that when I questioned this and considered backing out, I was told I would have to pay cancellation and administrative fees if I didn’t proceed. This felt like pressure tactics designed to lock customers into unfavorable terms after they’ve already committed time and effort.

Overall, the process lacked transparency and fairness. Key conditions were introduced too late, and the final terms were significantly worse than what was initially presented. I would strongly advise others to be cautious, read everything carefully, and not rely on advertised rates alone. Based on my experience, I would not recommend OMM.

Recent reviews

Andra
Andra
 

Joshua has been extremely helpful. He was available after hours which made it extremely helpful and explained everything clearly. Thank you for all your help, Joshua! Show details

melanie
melanie
 

Zac was very helpful and very responsive. I’m happy with the level of service he provided given I was on hold for AGES, i love that you can reach out via text and sort it out instead of holding the entire time for the agent to tell you they can’t actually help. Please never remove or alter this feature/service.

Mitchell
MitchellNSW
 

Zac was great. I had rang to make a enquirer and after waiting a short period of time I had received a text message from Zac. Zac was able to sort out my enquirer then and there and I had a email with everything I needed in 5 minutes after our short conversation.

Trent
Trent
 

Zac was very helpful and spead the process up when having to wait on hold. The customer service as a whole has been very impressive during my application process

Dave.
Dave.WA16 posts
 

Have had several loans through OMM/Handy Finance, never had any issues. Always smooth and easy. Zac has personally taken care of our loans and any changes made to them, and highly rate him for his helpfulness and professionalism Show details

Terri
TerriQLD2 posts
 

Zac was fantastic to deal with. Very responsive, helpful, and friendly throughout the process. He was quick to assist and made everything straightforward. I really appreciated his support and excellent customer service. Thank you, Zac

M.Gledson
M.GledsonTAS2 posts
 

This is the second time i have reached out and the service is exceptional. A big call out to Zac who was fantastic, very knowledgeable and excellent customer service. I would not hesitate to recommend. Show details

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Steph J.
Steph J.NSW2 posts
 

Zac was amazing today! The whole experience from start to finish has been incredibly fluid all of the consultants I've spoken to have been friendly and really helpful and I'd recommend them to anybody

Kiarra S
Kiarra SQLD
 

I spoke to Zac through text message, he reached out while I was on hold to the OurMoneyMarket team. He was able to get my issue resolved in less than 15 minutes. Super happy with his service and wish a lot more business’s offered a text message service while you’re waiting on hold. Show details

Jarrod L.
Jarrod L.
 

I was on hold to ask a simple question of this company for 10+ mins when a staff member (Zac) saw my number in the queue and text me to see if he could help over sms to save waiting in line while he was sorting other customers out. He solved my issue quickly and got me off the phone which I really appreciated. Not often you get service like that! Very impressed. Thanks Zac!

Sonja McKeddie
Sonja McKeddie
 

I was on hold in the phone queue for over 20mins. Zac texted me and answers my query in less than 2 mins. Super fast service and was able to proactively find my load details based on my mobile number. Super efficient ! Show details

Chris
ChrisNSW
 

Thank you OMM was a great experience and always hopefully. Thank you for helping me get things financially back in order. Will recommend you for sure to my friend. Cheers Show details

Pike S.
Pike S.
 

Zac provided excellent customer service and was very helpful with my enquiry. He was professional, friendly and made the whole process easy. Really appreciate his support. Thank you!

Craig M.
Craig M.
 

I was on hold and Zac reached out via SMS acknowledging and thanking me for holding and if he could assist. After messaging him back with my inquiry Zac was able to assist without me having to stay on hold. The service and efficiency in the way I was assisted was extremely good customer service.

Hannah R.
Hannah R.2 posts
 

Was pleasantly surprised to receive a text message while waiting on hold from Zac, who was able to assist me through text. This meant I could hang up the ‘on hold’ call and not waste any time. 10/10 service Zac, thank you! Show details

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