Quick and simple loans
up to $25,000

For everyday use

Credit limit up to $15,000

For larger purchase

Loans from $2,100 to $25,000



Small Cash Loans

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 is a small cash loan?

Small cash loans from MyOzMoney are small amount, short term loans that can be accessed quickly online. They are typically repaid in a very short period of time, such as a few weeks or a month. They can be extremely helpful when needing to pay for unexpected events or costs that require access to fast cash.

Small cash loans to go

If you need cash on the spot, look no further than small cash loans from MyOzMoney. You can borrow up to $25,000 for anything you need, fast.

If you meet our straightforward credit criteria, you can be approved in minutes and have the money in your account within the hour. The benefit of small cash loans is that they can be processed quickly and without all the paperwork.

So, the next time you find yourself in jam, small cash loans from MyOzMoney may be just what you need. See how much you can borrow today!

Happy customers

There can be many reasons why you might need money quickly. At MyOzMoney, we want to make it easy for you to borrow cash. We’ve engineered our lending platform to make it faster for you to access small amounts of money in a hurry because sometimes, unexpected things happen.

Our customers have found our small cash loans to be extremely useful in unexpected situations such as:

  • Urgent repairs or towing for car or motorbike
  • Unexpected expenses while travelling on holiday
  • Impulse purchase
  • Treating your significant other to a luxurious gift to make it extra special
  • Unexpected storm or weather damage that requires immediate repair

Being able to face these situations head on with no worries at all, has made for a lot of very happy MyOzMoney customers!

Competitive and fair

Our borrowing costs and fee structure is highly competitive and extremely transparent. You can use our personal repayment calculator to estimate the total cost of your interest repayments, so you can plan ahead. We also help you plan your repayments to line up with your pay so that you’re less likely to miss them. And with fixed interest rates, you’ll always know how much you need to pay – it’s just that simple.

Even if you get into a difficult situation and you think your repayments might be delayed, your total interest will be capped. Just let us know in advance and we can arrange a payment plan convenient to you.

Easy loan application and repayments

We ensure the application and repayment process is as convenient as possible, and your loan can be approved as quick as a few minutes. Once approved, funds can be transferred into your account within the hour if you have an account with Commonwealth Bank, though other financial institutions can take longer.

Apply for your small cash loan now and you could have money in your account soon. What are you waiting for?

Ready to start?

Line of credit

From $1,000 to $15,000

Money anytime, anywhere

Personal loan

From $2,100 to $25,000

Flexible, fair and simple

Small Cash Loans up to $25,000Approved Fast | MyOzMoney

Easy loans at competitive rates

MyOzMoney offers small cash loans with quick and easy online applications that you can access anytime, anywhere with your smartphone. We are committed to keeping costs for our customers fair, and applications for all of our loans and line of credit simple and hassle-free. You’ll find all of our business practices are tailored to offer you the best lending experience possible. All of our fees and charges are transparent and straightforward. You can review our pricing structure online and complete your own loans comparison to see how competitive our rates are.

Learn more

Easy loans at competitive rates

MyOzMoney offers small cash loans with quick and easy online applications that you can access anytime, anywhere with your smartphone. We are committed to keeping costs for our customers fair, and applications for all of our loans and line of credit simple and hassle-free. You’ll find all of our business practices are tailored to offer you the best lending experience possible. All of our fees and charges are transparent and straightforward. You can review our pricing structure online and complete your own loans comparison to see how competitive our rates are.

Can you get a loan online?

With MyOzMoney, the answer is yes! As an online money lender, we’re focused on developing our tech-based loan management platform rather than putting up expensive offices and physical branches. We operate clean and simple, enabling us to pass on significant savings to our customers for our quick loans. You’ll find a range of small cash loans up to $25,000 and a line of credit up to $10,000 all available to apply for in a matter of minutes – and it all happens online!

Take control of your finances

When you are pre-approved for your quick cash loan, you are sent all of the information you need to help you make an informed decision along with our total loan amount offer. That includes a complete breakdown of our fees and charges as well as our lending terms and conditions. There are no hidden fees to surprise you later down the track. You are also not obliged to accept your pre-approved terms, either.

To ensure that you’re getting the best value, you may consider comparing interest rates and fees available in the market using a personal loans calculator. MyOzMoney has built an online loans calculator to help you get an idea of you expected total interest payable over your nominated loan term. A repayment calculator will help you plan for your upcoming personal loan, offering you an indicative repayment amount that you can easily factor into your current living expenses budget.

Once your loan application has been approved and you’re happy with the terms, you sign everything digitally and we will transfer your funds straight away! Depending on your bank, this means that you could have same day cash loans approved for and paid to you in as little as 60 seconds. 

Although we operate entirely online, offering fast cash loans with no paperwork or fuss, we are still a business made up of real people and we’re available to answer any queries you have. Feel free to contact us by telephone or email. We’ll happily take you through anything that you don’t understand and explain things like our repayment schedules so you know exactly what kind of monthly fees or associated costs like establishment fees you are likely to pay upon acceptance of the loan offer.

Small loans for a variety of purposes

So, how could small cash loans help you? Small loans and short term loans are usually used to help you cover the cost of unexpected expenses that have fast cropped up. This might be in the form of repairs to your vehicle, the need for renovations to your home or rental property; you could have a combination of big bills all coming in at once or you could be looking for a new car or other recreational vehicles like a boat.

Knowing you have access to unsecured personal loans in a matter of minutes can help you get in front of your finances or to finally arrange a special purchase you’ve been wanting for a while like a holiday or planning your wedding.

Personal loan vs. line of credit

Your personal loan is a lump sum amount funded directly into your bank account once you have been approved and accepted your loan contract. Your repayments are scheduled so that you can comfortably afford to repay your loan, often falling on or near your regular pay cycle. These types of loans are great when you know the total amount you need to pay like student loans which cover the cost of tuition or other fast loans for things like a vehicle or your rental bond payments. For all other expenses you need a little extra cash for, you may opt for a line of credit.

A line of credit works a bit like a credit card offering you a cash advance when you need it. You apply and get pre-approved up to a certain credit limit. Here at MyOzMoney, we offer a line of credit between $1,000 and $10,000 with a minimum withdrawal amount of $100.00. This means that you can be pre-approved for a total credit limit and then decide how much of that total limit you wish to draw down on.

Your line of credit allows you to draw down on money when and if you need it for things like purchases or unexpected bills, and then schedule your repayments to ensure that you’re able to comfortably afford to repay your balance. With MyOzMoney’s line of credit, you are in control of your repayments. You can choose to increase your repayments, aiming to pay out your balance earlier, or you can reschedule regular repayments when you need a little breathing space.

A line of credit is money loaned on your terms. Fixed rate loans, on the other hand, come with agreed-upon repayment terms and regularity. Of course, if you have small cash loans with us already and you need of some breathing space, then we are here to make things as flexible as possible for you but, generally speaking, a loan repayment schedule is much less flexible than a line of credit option.

However, unlike other loan providers you may have come across, we won’t sting you with early termination fees if you choose to pay out your loan earlier. This way, you keep your credit costs as low as possible and you show you’re a reliable and proactive credit customer at the same time. 

Easy requirements and online application

When it comes to applying for small cash loans or any other online loans product we offer, you will need to be at least 18 years of age, currently employed and a permanent resident of Australia. All loan applications are assessed thoroughly to ensure that we support responsible lending. We do understand, however, that your credit history isn’t always going to offer a complete picture and recent changes to your credit file. But here at MyOzMoney, we see not only your current debt or bad credit, but your most recent activities as well. We make an accurate risk-based assessment on your personal income, other expenses you are currently managing, and the efforts you may have gone to tidy up your credit file.

MyOzMoney is committed to offering fair, simple and straightforward small cash loans. We keep our costs low, our communication quick and easy, and our approval process fast and efficient. Apply online today for small cash loans or larger personal loans of up to $25,000 and enjoy a fast, intuitive application process and quick results.

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