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?
Same Day Cash Loans
MyOzMoney is an online moneylender who offers credit customers a fast and hassle-free online loans application and approval process. Completing your application for our unsecured personal loans and line of credit products takes just less than 5 minutes. There is no lengthy paperwork to fill out and no annoying phone conversations. Just quick, intuitive online applications and same day cash loans.
Borrow cash loans today to cover everything from the cost of moving to a new rental property to paying for a getaway, a new study adventure or improvements around the hours. All of our personal loans are unsecured loans and offered with low fees and competitive fixed interest rates. We are the online lender who offers you fast, intuitive finance and same day cash loans that could be in your account within just hours of applying.
Where can you get same-day cash loans?
As a wholly online lender in Australia, we don’t have a physical office address. You can apply for finance from anywhere in Australia, including personal loans in Sydney, Brisbane and Melbourne, via our website. It’s the same 5-minute application process and customers who apply during our business hours typically receive a response within minutes.
Before you get started on an application for same day cash loans at MyOzMoney, consider taking a quick look at our personal loan repayment calculator. This tool is designed to help potential applicants get an indicative look at how a quick cash loan will affect your current living expenses before you submit your application online. You can adjust things like the interest rate charged, the total loan amount and the loan term you are ideally looking for.
Once you’ve filled in the calculator, it will return information like a likely repayment amount you can expect to pay for any of our quick loan products. You can easily compare this with your current living expenses to get a general idea about how your monthly cash flow is likely to be impacted by a new loan and compare any existing debt commitments you have to choose the best option for you. Play with inputs like your desired loan term to work out the best loan term that works for you. Short term loans mean that you pay less in cumulative interest over the course of the loan, but it will mean that your monthly repayments will be higher than if you took the same day cash loan over a longer period.
You may find that a revolving line of credit makes more sense for your current situation. Our credit line is available to customers for balances between $1,000 and $15,000. Unlike a same day cash loan paid in a lump sum directly into your bank account, our credit line option offers you pre-approved access for credit funds up to your total limit, whenever you need them. As you repay your credit funds, they automatically become available for you to draw on again.
This is a great option for people who need regular access to additional funds they can choose to either repay in full once their pay cycle rolls around again, or they can repay their drawn down credit in easy monthly instalments.
Who can apply for same day cash loans?
To be eligible to apply for any of our credit products you must be at least 18 years old, a resident in Australia and currently employed. We instantly verify your application details online at the time of your application without the need for payslips and other supporting documentation. At the end of your online application form, you’ll be asked to log into your online banking platform. By doing so, you agree to release a recent 90-day transaction statement to our loan assessment team who use this statement to check your income and expense details.
What about same day cash loans for less than perfect applicants? Could your credit history be a bit better than it currently is? Are you a young person looking for a student loan, but your credit experience isn’t quite long enough for the amount you need? We understand.
MyOzMoney is a responsible lender who believes in tailoring credit products like our same day loans to individual customers. We understand that sometimes life gets in the way and the result can be a less than perfect credit rating. When you apply for any of our loan products, including our line of credit option, we take into account everything you would expect a responsible lender to look at, plus we assign you a special internal credit rating just for us. This means that if you aren’t approved for the same day cash loan amount you were really hoping for, you can take out one of our small loans first and prove how reliable you are as a credit customer. If your smaller loan is repaid promptly – remember, there are no early payout fees! – then we’ll update your internal credit file with us to reflect your new status.
Whatever you need same day cash loans for, think MyOzMoney first. We offer applicants a fast and stress-free online application form that you can complete in a matter of minutes. Online approvals for our fast cash loans are usually received in minutes, and we don’t need to call your employer to check up on you. It’s just quick, effortless credit. Apply online right now to see how much you can borrow.