OurMoneyMarket (OMM) is a financial technology company and a non-bank lender. It operates online, using modern cloud-based technology to provide financial services to customers.

OMM distinguishes itself from "payday" lenders by offering loans only to creditworthy borrowers who meet their stringent lending standards. As such, interest rates tiered based on a customer’s credit score, and are largely unsecured.

The lender was founded in 2017. The company was established by Adam Sutherland, Bruce Sutherland, and Crystal Anderson. Bruce Sutherland is CEO and comes from a business and wholesale banking background at National Australia Bank (NAB).

OMM is well-suited for a variety of purposes. Its products are catered to individuals with good to excellent credit scores who seek competitive rates and flexible loan terms. The absence of early repayment fees makes OMM attractive to those who may wish to settle their loans ahead of schedule.

However, those with poor credit may find it more challenging to secure approval and may also face higher interest rates, as OMM follows a tiered interest rate model.