Low rate personal loans for everyday
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.
Applying online takes less than 5 minutes. No paperwork required.
We'll give you a fast outcome on your application.
Competitive, personalised interest rates.
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.
Competitive interest rates tailored to your financial situation.
Pay off your loan ahead of schedule without any extra charges.
Get quick access to your funds. Once approved, we’ll transfer the money instantly.
Choose a loan period and payment schedule that suits you.
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.
Ready to begin?
MyOzMoney is an online lender offering easy loans for between $2,100 and $50,000 as well as a flexible line of credit option available for balances of up to $15,000. Whether you’re looking for small loans, short term loans or large long term loans for up to 5 years, our online application process takes you less than 5 minutes to complete and submit and there’s no paperwork to fill out.
Customers who apply during our business hours typically receive a response within the hour. When you’re ready to proceed with your quick loans or line of credit option, simply sign your contract online and our team will transfer your new funds immediately. Depending on which bank your account is with, this could mean that you have the cash loan you’re looking for in your account the same day that you apply for it. For an approved line of credit customers, you could have access to your pre-approved balance by the end of the day.
How to get an easy loan
We offer a range of credit products, including unsecured personal loans of up to $50,000 as well as smaller cash loans and a line of credit option that works a bit like a credit card. As soon as you repay any funds you transfer from your line of credit, those funds become available to use again and again. When you choose a personal loan option you are unable to redraw or reuse your loan balance so it’s a good idea to do a quick comparison between our products before you start your application.
To help you compare which quick cash loans will work best for you, use our online tools like our loan repayment calculator. Our loan repayments are tailored to suit your pay cycle and will come in the form of fixed-rate repayments that will be the same every fortnight or every month. They’re easy to budget for when you use our range of online tools like a loan calculator to help you work out some indicative repayment amounts before you apply.
The interest rates on a loan calculator can be adjusted up or down so choose an indicative rate of interest you’re likely to be charged to get a good idea of what your repayment amount will be like. The good news is that we don’t charge our customers an early termination fee if they choose to repay their outstanding loan balance ahead of schedule. Our online loan calculator can show you just how much money you will save by repaying your loan balance early.
Other things to consider when you apply for any of our fast cash loans include what else you are currently paying like credit cards, other debt and bills, rent and general living expenses.
We believe in responsible lending which means that we don’t lend money to individuals who cannot afford finance. Instead, we like to tailor our loan products so that they’re manageable and comfortable for you. For larger loans like student loans covering the cost of university and college tuition, it’s important to accurately estimate your living costs so you can accommodate the new repayments you’ll have to pay. This might mean making some adjustments and tightening your expenditure. If your credit history isn’t very good, then consider applying for small loans initially and rebuilding your credit file slowly. This will help demonstrate how reliable you are as a credit customer and help you to secure lowers fees, as well as higher loan balances, on future credit applications you submit. We service all of Australia including offering personal loans to Sydney, Melbourne and Brisbane.
When you have a loan amount that you’d like to apply for, and you have checked that it’s affordable using our online calculator, then it’s time to apply. Our application form takes you less than 5 minutes to complete and submit and there is no paperwork required. Once you’ve completed the form, you’ll be asked to input your internet banking details into a secure portal that uses the same encryption strength that your online bank account does. By doing this, you agree for our loan assessment team to receive a snapshot read-only view of your current bank statements to verify your application details.
Easy loans from MyOzMoney can help smooth the way for everything from replacing or repairing your car to moving into a new rental property. The cost of changing rental properties can very quickly spiral out of control. You will have the bond to pay for the new property and then advance rent before you actually move in. This can easily be thousands of dollars that you need to pay upfront just to secure your new address. At your old rental property, you will need professional services like cleaners, fumigators, gardeners and removalists. Even if you choose to move your furniture yourself, you may then be looking at rental fees for a truck or trailer as well as the time and effort required to relocate. Simplify your next move with a bond loan from MyOzMoney and cover all of your expenses comfortably with a low rate easy loan instead.
Whatever you need easy loans for, we can help. Enjoy a fast and easy online application process that takes less than 5 minutes to complete and submit as well as fast approvals and cash transfers. Apply online today to see how much you could be approved for.