Low rate personal loans for everyday
Apply for a hassle-free personal loan with competitive rates and flexible repayment options.
Why choose MyOzMoney?
We are all about making things easier for you.
Applying online takes less than 5 minutes. No paperwork required.
We'll give you a fast outcome on your application.
Competitive, personalised interest rates.
Apply online for personal loans of up to $50,000. We do everything online, making it faster and easier for you while keeping our costs low, so we can pass those savings back to you.
Competitive interest rates tailored to your financial situation.
Pay off your loan ahead of schedule without any extra charges.
Get quick access to your funds. Once approved, we’ll transfer the money instantly.
Choose a loan period and payment schedule that suits you.
Applying is easy
Follow these simple steps to apply for your personal loan.
Customise your loan
You have the power to choose the loan amount you want to borrow and the repayment schedule that best suits your needs.
Get your rate in minutes
It takes less than 5 minutes to get your rate, and it won't affect your credit score. Once you have your rate, it's your choice if you want to submit the application.
Fast access to funds
If your application is approved, we transfer the loan amount to your bank account straight away.
Ready to begin?
MyOzMoney is an online money lender offering fast cash in a matter of minutes. Our online application process takes less than 5 minutes to complete, and approvals are usually received within the hour. You can apply for fixed rate personal loans from $2,100 up to $50,000 or our more flexible line of credit option for pre-approved balances up to $15,000. Like a credit card, once you have used and repaid funds from your line of credit, those funds become instantly available again.
How to get fast cash online?
To apply for our fast cash loans, you’ll need to be at least 18 years old, currently employed and a permanent resident in Australia. We service all of Australia, offering personal loans in Sydney, Melbourne and Brisbane as well as everywhere in between. Our online application form is fast and intuitive. We’ll ask you for standard information like your employment, salary, identification and then we’ll ask you to log into your online banking portal. This last step sends us a read-only PDF copy of your most recent bank transactions from the last 90 days. We use this statement, along with your application data and your credit file, to evaluate and approve your fast cash application. Our application process is the same for our line of credit option too.
When you apply during our business hours, approvals are usually received within the hour. If you’re happy with the loan offer that we have made you then simply sign your online loan contract and we’ll arrange the transfer of your new funds, or access to your line of credit account, immediately. You could receive the cash that you’re looking for the same day you apply for it, depending on which bank you use. If not, then the next business day at the latest. If you need quick cash loans for time-sensitive purchases or expenses, then apply now with MyOzMoney.
What can I use fast cash for?
Our selection of low doc personal loans includes small loans starting at $2,100 ideal for covering moving costs, including setting up your new home, covering the costs of removalists, end of lease cleaning and new utility connections. Roll all of your moving expenses into a single loan and repay it slowly over time, conserving your cash flow and allowing you to breathe a little easier. If you’re just starting your house hunting, then apply online for any of our bond loans and moving loans to ensure that you have the cash you need to secure a new property instantly.
Our fast cash loans are also a great way of managing bills and debts and streamlining your finances. There’s nothing worse than all of your bills hitting at the same time. For example, if you have a vehicle and need to cover registration costs, mechanical repairs, new tyres, etc, then coming up with some ready cash in time can be a struggle. Save your savings and choose MyOzMoney for access to quick loans at competitive interest rates that allow you to slowly repay the balance of your nominated loan term. Choose a loan term from 12 months up to 5 years. We don’t charge our customers early payout fees so if you’re in a position to close out your loan balance early and save yourself some interest, then take advantage of our flexible terms and low fees.
We can help you secure fast cash for a whole range of expenses including university loans as soon as you’re approved for your course as well as school and college loans to cover school fees. Plan your gap year with our range of travel loans and head out for your first world adventure or take out a short holiday loan for a quick getaway.
Our fixed rate loans mean that it’s easy to budget for repayments. To work out what kind of repayments you might be looking at for your ideal loan figure, use an online personal loan calculator. These tools are a great way to break down the fixed interest rate and exactly how much interest you will be paying over the term of your loan. Typically, fees and charges, like loan establishment fees, are rolled into the principal loan amount, so ensure you include them in your calculations. A loan calculator can also show you what you can comfortably afford to repay, returning a likely repayment amount you can budget into your current living expenses.
As a responsible moneylender, we do not lend to customers who cannot afford to repay their credit option. If your credit history isn’t as good as it could be or you don’t have a lot of credit history then consider applying for small loans first and work your way up to our larger loan balances. Successfully repaying smaller loans and short term loan options will help to build a healthy credit file. Excellent credit files often translate into lower fees on future credit that you apply for so taking the time to tidy up and maintain your credit file could save you money in the long term.
If you’re looking for a more flexible fast cash option, then consider the MyOzMoney line of credit. Credit balances on our line of credit are available for up to $15,000 and, like a credit card, once you have repaid any funds that you have used, those funds become available to use again and again. Rather than a lump sum payment, you receive ongoing access to credit funds you can transfer to your everyday account as often as you need to. A minimum transfer of $100 applies.
Apply online today for fast cash from MyOzMoney and get approved for the money you need within a matter of minutes.