Rate Money Introduces Competitive Rate Adjustments Amid Industry Increases

Effective from 13 February 2026, Rate Money's adjusted rates include:

• Variable interest rates starting at 5.81% per annum.
• Rates valid for applications received within 60 days from the effective date.

To qualify for these rates, borrowers are required to demonstrate a 12-month track record of consistent borrowing, maintain a stable financial profile with limited recent credit activity, and meet the minimum credit score requirements for the selected product.

In addition to these rate adjustments, Rate Money has introduced the 'Easy Doc One-Year Tax Return' option. This lending solution allows self-employed borrowers to secure financing more swiftly by using their most recent financial year tax returns, even if those returns have not yet been lodged. Key features of this option include:

• Utilization of a one-year tax return without a notice of assessment at the time of approval.
• Rates starting at 5.99% per annum.
• A variable interest rate increase of only 0.15% since the RBA's last rate hike.
• Effective from 13 February 2026, with rates valid for applications received within 60 days from the effective date.

Ryan Gair, co-founder and CEO of Rate Money, emphasized the company's commitment to supporting self-employed Australians: "Every bank, every lender has automatically come out and said we're going up 25 points across the board. No one's bucked the trend." By offering more favorable rate adjustments and tailored products, Rate Money aims to provide accessible and competitive financing options for self-employed individuals navigating the current economic climate.

For self-employed Australians seeking personal loans, Rate Money's offerings present a compelling alternative amid industry-wide rate increases. Prospective borrowers are encouraged to assess their financial situations carefully and consider these options to secure financing that aligns with their needs and repayment capacities.