Loans from
$2,100 to $15,000

Quick. Online. Easy.

How much do you need?

For how long?

Total repayments $0, made up of an establishment fee of $0 and interest of $0. The repayment amount is based on the variables selected, is subject to our assessment and suitability, and other important terms and conditions apply.*

For illustrative purposes only. The example shown above is based on an average customer. We base our decisions on several criteria and loans can only be granted to borrowers who can afford repayments. For more information about responsible lending contact us on 1800107010.

How Much Can I Borrow

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.

Choose your loan

Whether you’re after a
personal or business loan,
we’ve got you covered.

Personal loans

Get up to $15,000


Business loans

Get up to $250,000

How Much Can I Borrow?

If you’re asking yourself this question, it’s likely that you’re considering taking out a loan. How much you can borrow will depend on your individual financial situation, such as the size and frequency of your income compared to your liabilities.

These days, loans are often used to meet a financial need when income alone may not be enough to cover the expense. Often this happens because the expense arises suddenly and unexpectedly, and you need the cash fast.

This is why borrowing money is often more of a necessity than a choice in today’s world. From credit cards and small personal loans, to car loans, right up to home loans, the amount of cash you need may vary according to what you need the money for. There are also a number of other factors that will contribute to determining how much you can borrow, listed below.


When you ask yourself, “how much can I borrow?”, there will be several considerations that will affect the size of the advance loan available to you. How much you earn is typically number one on this list. This includes both your regular salary, and any other earnings you may receive on top of your income, such as rental income from an investment property. If you want to borrow money in both you and your partner’s name, you can also include the salary and any other income streams from your partner in this amount.

Your liabilities are typically the second thing you need to consider. If you have a very high income, but your liabilities are almost equal to your income, you may not be able to borrow very much money. This is because there will be very little (if any) buffer remaining in your finances after you make your loan repayments. If your income is average, but your liabilities are extremely low, you may be in a better position to borrow more money.

Other factors that will affect the answer to “how much can I borrow?” include the length of your loan term, and your previous credit history. You can use our handy personal loan repayment calculator to see just how much your credit history and loan term will affect the interest rate, your regular repayments, and the total cost of your loan.

Smooth Experience

When you take out a loan with My OzMoney, we also do everything we can to ensure you have a smooth lending experience, and will never be in for any shocks. Other factors to think about when wondering “how much can I borrow?” include the length of your loan term and your previous credit history. If you have really thought about “how much you can borrow?” and the contributing factors behind that amount, you will have a much smoother lending experience, and won’t be in for a shock.

We offer unsecured loans up to $15,000 – perfect for small home renovations or family getaways. To make things as easy and as hassle-free as possible, all of our loans are fully online. This means that after inputting a few very simple details onto our website, your loan will be processed quickly and simply.

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