Low rate personal
loans up to $50,000

Competitive rates from 7.95% p.a.
(9.33% p.a. comparison rate*),
with same-day money transfers.

*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.

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.

Easy Cash Loan Application

Complete and submit your easy cash loan application with MyOzMoney in less than 5 minutes and you could be approved the same day on unsecured personal loan balances from $2,100 up to $50,000 or our line of credit option for pre-approved balances of up to $15,000. We offer customers fixed rate personal loans and a line of credit designed to be accessed as soon as possible. As a wholly online lender, there is no need for phone calls or even for uploading supporting documentation for your online loan application.

What is an easy cash loan?

An easy cash loan is about ensuring that you get the fast cash loans you need sooner rather than later to help you cover all of life’s little expenses like emergency car repairs, booking your yearly holiday or even a personal loan to pay off a credit card. When you apply online, you are asked for your preferred loan balance. This balance is your loan amount and it’s transferred as a lump sum cash payment directly into your bank account once you sign your loan contract online. You then repay that loan amount with fixed repayments and a set schedule over your nominated loan term. Short term loans start at just 12 months while larger cash loans are available for up to 5 years.

Moving to a new house? We can help with that with our small loans. If you’re changing rental properties, you can sometimes have to pay a lot of money upfront. You will have the bond to pay for the new property and then advance rent before you actually move in. For the old place, you might need to pay for some professional cleaners and fumigators. Then there are removalist costs on top of that. Even if you’re moving, you might need to hire some help or a ute or trailer. All of these expenses add up and your regular pay packet may not be able to cover everything and leave you with enough to live on.

Instead of straining your cash flow and/or losing your carefully saved savings, complete an easy cash loan application with MyOzMoney instead and either repay your borrowed amount in your own time using our line of credit option or choose a fixed rate personal loan with a set loan term and repayments.

How long does a cash loan application take to process?

Customers who apply during our business hours typically receive a response in minutes and their new cash loan funds transferred the same day. Depending on who you bank with, this could mean that the cash you’re looking for is in your bank account by the end of the same day that you applied for it. We service all of Australia, including offering personal loans in Sydney, Melbourne and Brisbane.

Personal loan eligibility from MyOzMoney means that applicants must be at least 18 years of age, employed and a permanent resident in Australia. Your application form will take a few minutes to fill out. Like any other moneylender with an Australian Credit Licence, we ask you for some standard details like your current salary, how long you’ve been employed, what your living expenses are and what loan amount you’re looking for. We offer low doc personal loans which means that we don’t need reams of paperwork nor do we need to call your employers. Instead, we verify all of your application details immediately at the time of your application using fast and read only access to your online banking account.

To be eligible for our range of quick loans from MyOzMoney, you will also need a good credit score, but we do take into account as many factors as possible when we assess applications. If you’re not sure what your credit score currently is then it’s quick and easy to get a copy of your credit file online and it’s free.

Once submitted, your easy cash loan application should be approved within minutes. Customers who apply during business hours typically receive an instant response. When you have received a quick cash loan offer from us, you can review your total loan amount, the interest rate offered, the repayment amount and schedule as well as any other fees and charges. Your loan contract will detail the total cost of your loan over your loan term.

If you are in a position to repay your loan amount ahead of schedule, then you can do so with MyOzMoney without having to pay early termination fees.

Our loan repayments are tailored to suit your pay cycle. They’re easy to budget for and you can use a range of online tools like a personal loan calculator to help you work out some indicative repayment amounts before you apply.

When using an online loan calculator, the interest rates can be adjusted up or down to let you know how much of your loan repayments will go toward paying the interest charged on your loan before you actually start repaying the principal amount you have borrowed. This is really helpful to gauge what kind of fees are incurred over the whole life of your loan. The lower the interest rate, the lower the associated fees and charges will be.

At MyOzMoney, we have our own credit score scale which we apply to all of our customers. When you have repaid a loan in full with MyOzMoney, and we have a history of solid repayments from you, we will adjust your credit score so that the next time you apply for quick loans with us, you qualify for a better rate.

Complete and submit a new easy cash loan application online today to discover how much you could be approved for.

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