Quick and simple loans
up to $50,000

Line of credit

From $1,000 to $15,000


  • Simple online application
  • Withdraw any amount from $100
  • Transferred same-day to bank account
  • Credit becomes available as you repay

Personal loan

From $2,100 to $50,000

Low rate from 7.95% p.a.
(9.33% p.a. comparison rate*)

  • Simple online application
  • Same-day money transfers
  • Low personalised rates
  • No early repayment fees

*This comparison rate is based on our personal loan for an amount of $30,000 over 5 years, a $495 establishment fee and a $10 monthly fee. 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.

Why choose MyOzMoney?

We are straight forward,
great to deal with and are all
about making it easier for you.


Quick application

Applying online takes less
than 5 minutes. That’s fast.


Easy to complete

It’s so quick and simple,
with no paperwork required.


Same day transfer

Once approved, we send cash
straight to your bank account.

What are cash advance loans?

Cash advance loans are small unsecured personal loans that can help when an unexpected need for cash arises. They can be approved and disbursed quickly, sometimes within 24 hours depending on your financial institution and if you have provided all necessary information. They are usually repaid within just a few weeks or months.

Cash Advance

Need money fast? A cash advance could be the answer.

A cash advance is a payment made to you with the agreement that you will repay the money in smaller instalments in the near future. MyOzMoney can provide you with a cash advance of up to $50,000 when you need it the most.

Read on for more information or start the application process by clicking on the Apply Now button. You could be approved for your unsecured loan within the hour if you begin right away.

Suitability of a cash advance

As a responsible lender, My OzMoney must check your eligibility for a cash advance by asking some simple information about your overall income and expenses. If you are employed with an income of at least $1,000 per month, you could get approved quickly for small cash advances. The higher your income, the more advance payment of cash you may be able to receive, depending also on your expenses.

Easy and fast application

To find out if you are eligible for a cash advance, you can start the application process immediately. We will verify your personal information and access your recent bank statements electronically with bankstatements.com.au, making the process as pain free and simple as possible.

The entire application process for a small loan also only takes a few minutes. If we confirm your income can support your expenses, your loan could be approved within minutes. Once approved, if you bank with Commonwealth Bank, your cash can be transferred to your account within the hour. Other institutions could take a little longer, though generally you can receive the funds by the next business day.

Repaying the cash advance

When you apply with My OzMoney, you’ll always know upfront the total repayments that will be required to repay the cash in advance. Affordable repayments will be set up to match your financial situation and salary payments, and automatically debited. If you expect any delays with your income, please inform us so that we can discuss adjustments to the repayment.

Cash can be helpful

Our customers find cash advance loans helpful in different situations:

  • Unexpectedly high bills from data use or overseas calls
  • Car or motorcycle breakdown requiring towing and urgent repairs
  • Unfortunate travel incidents that are not covered by travel insurance
  • Splurging on a spontaneous holiday or gift

Whatever the purpose, if you meet the eligibility criteria for a My OzMoney cash in advance, we can help you today – so apply now.

Ready to start?

Line of credit

From $1,000 to $15,000

Money anytime, anywhere

Personal loan

From $2,100 to $50,000

Low rates, same-day transfers

Cash Advance up to $50,000Approved Fast | MyOzMoney

Quick application and approval

If you are looking for a quick cash advance to help you pay for some unexpected expenses or put some bills to rest, choose MyOzMoney’s online loans. Our personal loan products and revolving line of credit are designed to help individuals just like you get access to fast cash loans wherever you are and at the time you need them. 

Learn more

Quick application and approval

If you are looking for a quick cash advance to help you pay for some unexpected expenses or put some bills to rest, choose MyOzMoney’s online loans. Our personal loan products and revolving line of credit are designed to help individuals just like you get access to fast cash loans wherever you are and at the time you need them. 

What is a cash advance?

Typically, a cash advance is when a business will arrange for an employee to receive their salary before it is technically due to be paid to them. When it comes to credit, a cash advance is a small loan or a line of credit you can draw on when you need to and is offered at a great interest rate with competitive fees and charges. 

We’re all about being a fair and responsible money lender. We are committed to ensuring that we offer customers a fast and straightforward loan application and approval time for quick cash loans. You can apply for our unsecured loans online for up to $50,000 or a line of credit option of up to $15,000.

Apply online for any of our fast cash loans and complete everything in less than 5 minutes! Once you have been approved for your loan and accepted your loan terms, your cash is then transferred the same day. Depending on your bank account and who you bank with, this means that you could have the funds the very same day that you applied for your cash advance. Now, that’s quick loans

All of our fees and charges for our loans online are clearly spelled out on our website and available in an easy to understand format so you can make a fast comparison between products and providers. We want to ensure that you know what fees and interest you are likely to pay before you accept your credit offer. With regards to a cash advance loan, you could even pay out your small loan balance once you have been paid and not have to deal with early termination fees. Your finance, your way. That’s what we’re committed to offering credit customers across Australia.

What is a cash advance fee?

Sometimes short term loans may be only available with steep and exorbitant fees. This is because cash advance providers are often aware of how customers desperately needed the funds. The large fee protects the lender from losing money on credit products that they provide since cash advance loans are often given on short terms.

With MyOzMoney, things are fortunately a little more flexible. You can apply for any of our quick cash loans for up to $50,000. If you’re not sure how much money you should apply for, you may consider using our loans calculator before you send off your application for the best guess estimate. Our personal loan calculator is designed to breakdown the cost of a loan, while our repayment calculator will give you an indicative payment amount. All you need to do is provide the loan term (how long you will be taking the loan over), the interest rate and the total loan amount. The calculator will show you how much your scheduled repayments are likely to be and what the total amount of interest is payable over the complete loan term.

Using this information, you can quickly work out what you’re borrowing ability really is and how affordable something like a wedding loan, a car loan or loan to cover the cost of your renovations really is. Our fixed rate loans offer you a clear budget before you get started on hunting for the perfect new car, new boat or planning out events and projects. You receive all of your credit funds in one lump sum amount transferred directly into your account and then slowly repay the balance over the agreed term. If you find, however, that you’re not looking for a large loan to cover a big upfront cost but instead looking for regular help from a more flexible credit source, then a credit line might work better for your needs.

Flexible cash to use anytime

Our line of credit option is designed to offer you a little cash advance whenever you need it. Similar to our personal loans, applying for our line of credit is entirely online. Customers are approved for up to $15,000, but that doesn’t mean they need to draw down the full amount they are approved for. Instead, you can use your line of credit like a peace of mind safety net. Your credit balance sits there, available for you whenever you need it, and you can repay it on your own terms. When you take out a personal loan, you are committed to repaying that loan amount within the agreed repayment period and amount. With a line of credit, how you repay your balance is up to you. You can pay it off quickly, take your time and even schedule repayment breaks if you need a little extra room.

Of course, we are flexible with our cash advance loans as well. If you are experiencing any trouble repaying your loan, then you simply need to get in contact with us and we’ll discuss a more flexible option in the short term. We are a fair and transparent money lender. We’re here to offer credit solutions tailored to your circumstances so you can make comfortable repayments. 

Quick cash for travel expenses

Planning a trip or holiday somewhere? Everybody needs some downtime whether it’s around the Christmas holidays or a mid-year getaway to somewhere warm and sunny. Often holidays are offered at great rates when you can pay for everything upfront, like your flight, accommodation or tour fees. Our line of credit option is a great way of planning, paying for and paying off your holiday easily. You can book everything in advance and look forward to your trip while you slowly pay off the cost. With some good planning, you might even have paid off your credit balance by the time you’re due to leave. Then you can draw down on your line of credit again and use the funds for spending money. Your money, your way.

 Little getaways with the family are one thing but if you’re looking for an opportunity to go on an epic trip then you may want to consider a larger travel loan. This way you can get the funds you need to start booking everything and then plan to have some funds left over for spending money all in one fixed rate loan. You know what you’re paying and when and can concentrate on planning the life-changing trip that you’ve always dreamed of taking.

Apply now

Whatever you need a cash advance or a quick loan for, MyOzMoney is here to help. We offer competitive rates across all of our credit products and quick and easy online applications you can complete in a matter of minutes. Stop wondering what life is like when your finances are under control or you have that car you’ve been dreaming of and start planning instead. Apply online now.

Just a second please,
we're loading your application...