Easy Money

We offer customers a fully online application and approval process for easy money loans at MyOzMoney. Complete your loan application in less than 5 minutes, get approved instantly and once your loan contract has been digitally signed, we transfer your new funds in as little as 60 seconds. There is no paperwork, we don’t need to speak with your employers, and we probably won’t even need to call you. We offer customers quick loans because we know you’ve got better things to do with your time than wait around for the money you need.

Whether it’s small loans and short term loans to cover you for right now or long term personal loans for larger assets, we offer personal loans to everyone. Unlike other money lenders like the big banks, we exist completely online. You apply online, you’re approved online, and your money is transferred instantly. In most cases, depending on who your bank account is with, that instant transfer occurs within a few minutes of you signing your contract. You could have your new funds within the hour or by the next business day at the latest.

We cover all of Australia so apply online for personal loans in Sydney, Melbourne and Brisbane as well as anywhere else in the country with MyOzMoney.

How can I get easy money?

To be eligible for easy online loans from MyOzMoney, you need to be currently employed, an Australian resident, and at least 18 years old. 

We have an Australian Credit Licence and we believe in responsible lending. It’s just that we do things our way – the fast and fair way. For example, Comprehensive Credit Reports (CCR) have changed the way lenders look at and assess the risk of new customers. The old credit score model would usually only reveal to a lender an individual’s credit past without taking into account any recent measures a person has undertaken to repair their credit history. With the new report, lenders get to see the last 24 months of your transaction history, or Repayment History Information (RHI). If you have a registered default against your name then we can see how you’ve tried to address it and assess the risk of offering you credit based on what you are doing, rather than what you didn’t do a few years ago. 

The kinds of expenses a cash loan can help you with include emergencies like repairs for your car, or paying for moving costs and deposits, including a bond loan to cover your upfront costs and help you secure a new rental sooner rather than later. Quick cash loans from MyOzmoney is the extra cash that you need access to right away. We tailor your instant loans to merge with your current lifestyle and try to ensure that the money we offer you isn’t going to mess up your existing living expenses or put too much strain on your cash flow. 

But what if you’re in financial difficulty and you’re struggling to pay all of your bills and meet your other credit commitments? We won’t give you financial advice but there are a few credit products that may assist with managing bills and debts and combining them into a much easier single loan repayment like a personal loan for debt consolidation. 

Often people aren’t aware that they can always refinance. Refinancing is a pretty broad term that means assessing all of your credit and bills, whatever monetary commitments you have going on right now, and seeing whether there is a smoother and cheaper way of clearing them rather than trying to pay out each of them separately. It’s an easy loan application and process, and you can complete it all online. 

Refinancing is also a great option as you approach the end of any of your fixed-rate loans. Having paid back the interest on the original loan, and only having a small percentage of their principal to go, you might be interested in rolling your old loan into a new one. Your new loan amount might include funds to cover an upcoming life event like an epic world travel adventure, renovations on your home or a wedding celebration. 

For more flexibility and control over your credit balance, consider our line of credit option. Like a credit card, you are approved for credit funds up to $15,000 but free to use as much or as little of those funds as you like. As soon as you have used credit from your line of the credit account and repaid it, that credit amount becomes available again to use on fresh purchases or costs. Repay your used credit funds over time or repay your total borrowed amount instantly, it’s up to you. 

What do I need for easy money approval?

As long as you are currently employed, a resident of Australia and over 18 years old then you qualify for our fast cash loansapplication process. Applying takes a few minutes and we’ll ask you for details like your current employment and salary, any other debts you have, the amount of rent you pay (if you pay rent) and general identification details. We will also ask you for your online banking details. This is to give us read-only and completely secure online access to verify your application details. Using this kind of online verification is how we manage to speed up our easy money loans process.

Ready to apply? Get started online right now and find out how much you can borrow from MyOzMoney, the home of quick and easy money.