Costs

Our pricing is simple, fair and transparent.

Costs calculator

How much do you need?

For how long?

Credit history



Monthly payments:

$0

Total payment:

$0

Your total payment will be $.... The cost is made up of an ...% establishment fee and interest of $.... It does not include the $10 monthly account fee. The payment amount is based on the variables selected, is subject to our assessment and suitability, and other important terms and conditions apply.

Our rates

We're completely upfront and
transparent about our pricing

Loans between $2,100 - $50,000

Credit fees and charges

Establishment fee:

$0 to $5,000

$295

$5,001 to $15,000

$395

$15,001 to $50,000

$495

Interest rate:

7.95% p.a. - 21.95% p.a.

This interest rate is based on the Annual Percentage Rate (APR). Our APR is calculated daily by applying the daily APR and charged in arrears on the outstanding balance of your loan to the date your payment is due.

Monthly fee:

$10.00

Comparison rate**:

9.33% p.a. - 15.12% p.a.

Based on $30,000 over 5 years with $495 establishment fee and $10 montly fee


Other fees that may apply:

Dishonour fee:

$15.00

This fee is charged each time a direct debit is dishonoured or your commitment to make a loan repayment is not met.

Overdue account fee:

$15.00

This fee is charged each time your account is not up to date by the end of the last day of the month.


We discourage you from being late, and even send you upcoming payment reminders. However, failure to do so may result in: Dishonour fee $15.00 - this fee is charged each time a direct debit is dishonoured or your commitment to make a loan repayment is not met. Overdue account fee $15.00 - this fee is charged each time your account is not up to date by the end of the last day of the month.

**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.

Note: Calculator results are an approximate guide to how much you can borrow and do not represent an offer from MyOzMoney. An application is required to be made and assessed subject to our internal lending criteria, government regulations, and a successful credit history check.

Flexibility with
your repayments

It doesn't cost anything to reschedule payments up to five days and within your loan term, we just need 24 hours notice.

No early payment or exit fees

So you can pay your loan off sooner and you'll save on monthly loan fees and interest.

Line of credit fees and charges

Fees and charges

  • Interest rate of 25.99% on withdrawals

  • Line of credit approvals up to $15,000

  • Minimum withdrawal amount is $100

  • Monthly account fee of $5

    Only applies if outstanding balance is over $20

  • Annual fee from $0 to $149

    $1,000 to $3,000 = $0

    $3,001 to $5,000 = $49

    $5,001 to $15,000 = $149

Other fees that may apply

  • Dishonour fee of $15

    This is payable each time a direct debit is dishonoured or your commitment to make a loan repayment is not met.

  • Overdue account fee of $15

    This is payable each time your account is not up to date by the end of the last day of the month.

  • Be confident knowing fees are capped so they won’t keep adding up

Flexibility with
your repayments

It doesn't cost anything to reschedule payments up to five days and within your loan term, we just need 24 hours notice.

No early payment or exit fees

So you can pay your loan off sooner and you'll save on monthly loan fees and interest.

Ready to start?