What is a quick loan?

Quick loans made easier and faster

Now, you can get the quick loan you need, anytime and anywhere. Using our proprietary AI-based loan management platform, we’ve made getting access to cash loans a breeze. Just like you, we want everything fast and convenient. Everything happens digitally – apply online, get approved fast and receive funds up to $50,000 in a matter of seconds.

Loan eligibility

You have to meet our minimum requirements to be eligible to apply for quick loans online with us. To qualify, you must be a citizen or a permanent resident of Australia, currently employed and at least 18 years old. If you are all these things, then you are all set to apply!

How to get a quick loan

Fast, paperless and straightforward. That’s how we do it for you so you can focus on the more important things. Our online application process is backed by a secure and advanced data technology that assesses thousands of social and financial data points in real-time, allowing you to experience a seamless process and receive fast outcome.

Whether you are looking for a line of credit or an unsecured personal loan, we have just the right credit product to suit your needs. They’re fair and flexible, and you get them with fixed interest rates.

Simply access our website with your desktop, mobile phone or tablet. Start your quick loan application journey by entering your personal details and employment information. We also ask for your online bank details so we can speed up your application and give you fair and accurate loan decisions. We obtain a copy of your bank statements through a trusted and secure portal – it’s the same security-level encryption that your bank uses so rest assured that your data is safe. We are only permitted with a “read-only” access of your activity for the last 90 days and there’s no way we can view or change your login details and other bank information.

You get fair and transparent rates

To uphold our value of reasonable and responsible lending, we take a look at the whole picture of your credit status through the Comprehensive Credit Reporting (CCR). Here, money lenders like us get a chance to see not just your incurred debts, past defaults and credit enquiries, but also your positive credit behaviour. Showing both the negative and positive sides of your credit history allows us to conduct a better risk-based credit assessment. This also means that your positive efforts and initiatives to settle an existing debt and other financial commitments are visible to your credit report, empowering you to improve your credit score by making timely repayments.

The application process for quick loans is so fast and easy, you can finish in a matter of 3 to 5 minutes. Receive notification of the loan decision not long after that and depending on who you bank with, your express cash loans hit your bank account in as little as 60 seconds. This is what MyOzMoney is built for – to give you the extra cash you need whenever you need them, and we do it really fast.

Get better loan terms

Here at MyOzMoney, we recognize customers who make their repayments on time. Once you have successfully repaid your quick loan with us, you can apply for a new one straight away! We may re-evaluate your profile and with the help of the comprehensive credit report, we may be able to reward you for your past positive payment behaviours. If you make repayments on time, your credit score improves which means you may get access to quick loans with lower rates and better value.

Repayments calculator

Are you ready to apply for a quick loan? You might want to have a quick financial check first. By using a personal loan calculator, you get to view how your fees and charges would look like, including the interest rate and establishment fees. It’s free, online and super easy to use. By just selecting your desired quick loan amount and your preferred repayment duration, you get the calculation of your expected repayments on the spot. If you’re looking to conduct a loan comparison from various lenders first before deciding where to apply, using a loan calculator should be a top priority. Plus, it gives you an idea on how to adjust your essential and non-essential spending so you can give way to your incoming repayments. A great way to stay on top of your cash flow!

Fast cash for everyday needs

With quick loans from MyOzMoney, you can equip yourself with on-the-go credit that you can use for your everyday needs. Whether you need quick and easy cash for managing bills, buying a new furniture or replenishing your stock of groceries for the whole month, our fast cash loan is here to help you do the job, without any hassle. Use it to complete emergency home repairs, like sudden kitchen fix, pest control or urgent car maintenance. You can also use it for medical expenses that are not covered by your health insurance. The great thing about quick loans is that you can use it to pay for almost anything, and MyOzMoney gives you exactly that.

Accessible credit for big purchases

There are various financing options if you are looking to buy a car, and quick loans and same day loans are some of them. The car you’ve been eyeing for quite a long time may suddenly become available in the market at a cheaper price, and you need quick funds to finally own it.

Your wedding may be coming up in a few months, and you’re looking for other financial resources for the costs your current savings can’t cover. Or maybe, you are up to a big home renovation project but don’t have enough funds yet to get it started. This is where credit solutions like unsecured personal loans and quick loans come in handy. Apply online and get the extra funds you need so you can pay for your wedding, start your home project and enjoy the important life milestones now.

You can also use quick loans in a form of student loan to pay for your school fees upfront. Apart from the tuition fee, you also need to consider other expenses such as school projects, textbooks and other learning tools. If you’re offered a slot to a university that is miles away from your home, you may also need extra money for accommodation and transportation. With MyOzMoney’s quick loan application, you get extra cash to pay for your school fees straight away, so you can focus on learning.

Get in touch with us

We’d love to hear from you. For queries about our quick loans or other credit products, feel free to send us a message via hello@moneyme.com.au. Alternatively, you can call us directly on 1300 555 911 and someone from our team will respond to you shortly.

We’ve created a brand-new lending process that revolutionises the way you get access to on-the-spot credit. No more waiting for several days for a credit assessment and loan decision. No more paperwork and lengthy forms. We’re the next generation of credit and quick cash loans. In a few simple taps and clicks on your desktop or mobile, you experience a new, better way to borrow money.