Simple, flexible Personal Loans

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.

Quick Application

Quick application

Applying online takes less than 5 minutes. No paperwork required.

Fast Approval

Fast approval

We'll give you a fast outcome on your application.

Great Rates

Great rates

Competitive, personalised interest rates.

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Uncomplicated loans

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.

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Low personalised rates

Competitive interest rates tailored to your financial situation.

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No early repayment fees

Pay off your loan ahead of schedule without any extra charges.

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Instant money transfers

Get quick access to your funds. Once approved, we’ll transfer the money instantly.

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Flexible terms

Choose a loan period and payment schedule that suits you.

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Freestyle Credit Card

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A digital credit card with great rates and smart payment features. Money anytime, anywhere.

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Smart ways to pay

Pay from your mobile wallet, shop online or transfer money using your digital card.

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Interest-free terms

Enjoy the convenience of up to 55 days interest-free on purchases.

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Use card straight away

Once approved, your digital card is ready to use instantly.

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Cash back rewards

Earn up to 40% cash back when you shop online at over 2,000 stores.

How it works

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.

What our customers say

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“The application process was thorough, but simple. Great communication and understanding from staff. Funds arrived within a few hours. I will definitely recommend OzMoney to anyone requiring funds.”


MyOzMoney customer

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“Very helpful and smooth application process.

Very satisfied customer here. No nasty surprises.”


MyOzMoney customer

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“Really satisfied with outcome. Quick & easy online process with no headache or annoying phone calls. Happy with the rate I received, definitely recommended. I Would definitely come back if I'm in need of it.”


MyOzMoney customer

Simple and flexible loans up to $50,000

 Advance Loans

An advance loan is a small loan that can be applied for quickly and easily online. Advance loans are usually repaid over a short period of time, such as a few weeks or months. They can be useful short term solutions for borrowers when unexpected expenses arise in amounts that are too small for a traditional personal loan.

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Advance loans can cover a number of tricky unforeseen circumstances, such as storm damages to your property that require urgent repairs, or when a bill pops up that you just weren’t ready for. Advance loans can also be useful for more spontaneous and fun purchases, such as treating yourself to a new outfit, or buying a spontaneous gift for that special someone. The sky’s the limit!

The reality is that when you’re faced with the unexpected, the last thing you need is more stress. That’s why a fast MyOzMoney advance loan can be just what you need. Find out how much you can borrow by using our free online calculator, and get started today.

Fast and simple application

The application process for an advance loan is simple and can be completed online in as little as five minutes.

Start with our personal loan repayment calculator to understand your obligations. Then all you need is a mobile phone number, and your bank details so we can deposit your unsecured loan into your account. If you’re on the go, our website is mobile and tablet-friendly, so you can apply for an advance loan from anywhere, at any time.

Once you’re approved, you should have your cash advance within an hour, depending on your financial institution. And unlike a loan with a traditional bank, you can apply for a MyOzMoney advance loan at any time, including after-hours or on weekends. It really is that convenient and simple!

Responsible Lending

At MyOzMoney we are highly committed to responsible lending. When assessing whether an advance loan is right for you, we digitally check your bank accounts to make sure you’ve got enough income to support your small loan repayments.

We also reward your good credit history with a lower interest rate on your personal loan, something very few lenders can do! Finally, our regular direct-debit repayment schedule is tailored to your needs, so you won’t ever have to worry about making manual payments.

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Simple and flexible loans up to $50,000