“Helping you fast track your future!”


Who are we?

Momentum Education Finance helps Australians to achieve their hopes and dreams and to be the catalyst to change in everyday aussies lives. How? We are a specialist company that offers products and services for Personal loans, Personal lines of credits and Educational loans . We offer competitive rates, and a specialised portfolio of services for our clients located all over Australia.

We are business owners with a vested interest in personal development education. We understand the hopes and dreams of the people who want to further their development, and how to achieve them.


We all believe the traditional banking and financial institutions need a good shake up. We’ll never take you for granted.


Why Choose us?

Simply we work for YOU, not the banks or any other parties. Our role is to get you the most suitable product for your needs. We have been able to help many Australians secure their financial future.


Types of Loans

In this case it could be a personal line of credit or a personal loan depending on the lender and your needs and objectives.




  1. PAYG: stable employment and not on probation
  2. Self Employed: Provide your last year’s Notice of Assessment. In some cases, we may be able to accept a letter from your accountant (as per lending guidelines)
  3. No major credit defaults (small paid phone or utility bill defaults may be accepted by some lenders but they may require explanation and charge higher rates).



Follow up Meeting and required documentation

This will vary depending on your requirements at the time and the lending criteria, as a starting point it is good if you can provide;


  1. Two recent payslips / Tax Returns
  2. Bank Statements
  3. 100 points of Identification



Interest Rate

The simple answer – cheaper than credit cards! This will vary depending on the product and the lenders criteria. Usual rates vary from 9.9% to 18%. To give you an idea, most credit cards charge between 18-30% on interest and do not have long payment facilities available.



What happens if I lose my job

 At the end of your loan process we will talk to you about the risks involved in obtaining and maintaining a loan. We have a unique loan protection insurance that can pay between 1-3 months of your loans minimum repayments in the case of a redundancy. There are terms and conditions associated with this so please read the Product Disclosure Statement (PDS) before deciding if this is the best option for you.


Increase Frequency in payments / payment amounts

You can pay off you loan sooner, however depending on the lender you may incur a penalty charge for early repayments.


Tax benefits

Speak to your accountant, as more than likely this loan and all repayments may be a tax deduction for your situation.



For further information, please do not hesitate to contact us.


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