Quick and simple loans
up to $50,000

Line of credit

From $1,000 to $15,000


  • Simple online application
  • Withdraw any amount from $100
  • Transferred same-day to bank account
  • Credit becomes available as you repay

Personal loan

From $2,100 to $50,000

Low rate from 7.95% p.a.
(9.33% p.a. comparison rate*)

  • Simple online application
  • Same-day money transfers
  • Low personalised rates
  • No early repayment fees

*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.

Small Loans

A small loan is a cash advance that can be as much as $2,000. They are usually repaid within a one to two months, and the application process takes just a few minutes. Small loans can be used to pay for unexpected expenses that require fast access to small amounts of cash.


Getting access to cash in an emergency shouldn’t be hard. If you need a little loan in a hurry, MyOzMoney is here to help.

We make it easier for Australians to take out small loans in times of need, when small amounts of money can go a long way, without all the hassle.

100% online

Applying online for small loans can be done right on our website, 24 hours a day, 7 days a week. Our Frequently Asked Questions section answers the most common questions from customers. You’ll find our contact form on every page, together with a Quick Start application form, to make your application a breeze. And with our online calculator, it’s easy to find out how much you can borrow. If you’re approved, your small loan can be in your account within the hour.

Comfortable repayments

With MyOzMoney, a transparent repayment plan is easy to set up. Even better, repayment calculations are very straightforward, and your cost of borrowing is capped, so your interest payments are always under control.

If you foresee any issues with repaying your small loan, let us know in advance and we’ll help you work out a payment plan.

Responsible lending

At MyOzMoney, we pride ourselves on being a responsible lender. We are upfront about all the related fees and costs associated with your small loan, so there will never be any surprises. And more importantly, we never provide you with a loan that your current finances can’t support, whether it’s a small cash advance or bigger loan.

And even though our process if completely automated, you can always contact us for any reason and talk to a real person! We’re always here to help.

Ready to start?

Line of credit

From $1,000 to $15,000

Money anytime, anywhere

Personal loan

From $2,100 to $50,000

Low rates, same-day transfers

Small Loans up to $50,000 Approved Fast | MyOzMoney

A new generation of lending

Experience fast and straightforward access to small loans up to $50,000. Taking a modern approach to every day’s increasing demand for smooth and fast services, we offer an entirely online lending process – from your application up to getting your funds. No paperwork and absolutely no hassle. We don’t want long queues and several days of waiting, just like you. Apply online, get an outcome in minutes and depending on who you bank with, your small loan hits your bank account in as little as 60 seconds.

Learn more

A new generation of lending

Experience fast and straightforward access to small loans up to $50,000. Taking a modern approach to every day’s increasing demand for smooth and fast services, we offer an entirely online lending process – from your application up to getting your funds. No paperwork and absolutely no hassle. We don’t want long queues and several days of waiting, just like you. Apply online, get an outcome in minutes and depending on who you bank with, your small loan hits your bank account in as little as 60 seconds.

Fast credit, when you need it

We’ve built a smart lending process to help you manage life’s daily expectations. Whether you are looking to have extra cash for everyday expenses or one-time big purchases, we are here to help. We’ve made our credit products within your reach, so you can access your small loans when you need it.

When unforeseen circumstances happen, we’ve got you covered. There might be a delay in your paycheck, and you suddenly remembered your utility bills are due next week. You opened your phone and applied for same day loans with MyOzMoney. In a matter of minutes, you received a notification that your loan application for a small loan has been approved. A few moments ago you were worrying about how you’ll be managing your bills, but now you can even pay for them in advance. Easy, right? That’s how we want things to be.

Funds for continuous learning

Are you making your way through a big university soon? You may find yourself on a tight budget and may be wondering how you’re going to make it with your current savings. Apart from the course fee itself, you have your transportation costs, textbooks and other course essentials. If your school is miles away, you even have to pay for your accommodation.

Or you may be thinking of taking your education to the next level and considering a master’s degree. In that case, our student loans may be able to give you the express loans you need to settle your school fees upfront. Through our fast cash loans, you can secure a spot in learning and start investing in your future.

Easy cash to spoil yourself

A travel loan is a type of an unsecured personal loan you use mainly for holiday trips. It comes in handy when you’re looking to go on a vacation but can’t quite use your own savings or air miles when you want to book your flight on the spot. With MyOzMoney’s small loans, you don’t have to sit and wait around for your next paycheck to buy your roundtrip tickets. Plus, it provides you with the extra cash you to buy your personal travel needs and secure accommodation for your dream vacation. Small loans for travel comes with a fixed interest rate that you can comfortably repay while enjoying your much-deserved getaway.

Accessible funds for big-ticket items

The best advantage of personal loans is that you can use them to pay or purchase anything you want, including a car. It’s an unsecured loan which means you don’t need to use your new car as collateral, providing you with lower risks as a borrower. Don’t miss the opportunity of finally owning your dream car. With fast and easy credit like same day loans and short term loans, you can purchase it now.

Emergency funds

Aside from paying and managing bills upfront, small loans can be a good source of quick funds when you’re suddenly faced with unexpected expenses. With our easy application and fast approval time for small loans, right then and there you can have the emergency fund you need for car repairs, medical bills or home renovations. Having a safety net in the form of a small loan could make a positive effect on your cash flow, and MyOzMoney can give you exactly that.

How to get a small loan

Using proprietary advanced loan management platform, we’ve made getting access to small loans easy and straightforward. You get a loan outcome within seconds or minutes, not days. This way, you significantly reduce your waiting time and focus on the much more important things.

Applying for loans online with us is a breeze. To qualify, you must be at least 18 years old, a citizen or a permanent resident of Australia and currently employed.

Your journey to a quick and easy cash loan starts when you visit the MyOzMoney website. Whether you are looking to apply for a line of credit or a personal loan, we have just the right credit product according to your needs and preferences. Our loan application just takes minutes to complete. Just enter your personal details, loan reasons and bank statements and you’ll receive on outcome in a matter of minutes. If you apply during holidays or outside business hours, your application is processed the next day.

As a responsible lender with an Australian Credit License, we’re all about transparency and fair loan decisions. We want to make sure that the loan you are receiving is tailored to your personal circumstances so you can comfortably settle your repayments. Your fortnightly or monthly repayments are also aligned with your current pay cycle, so you don’t have to worry about getting caught with late fees.

We see the whole picture

Apart from your personal details and credit score, we ask for your online banking details to easily fast track your application for small loans. We retrieve your bank statements as read-only documents showing your bank transactions and history for the last 90 days. They come through a secure portal with bank-level encryption and we cannot access your online bank information or login details, so you can be 100% confident that your data is safe.

We use these snapshots, together with some of your personal, employment and spending details, to come up with a fair and transparent decision for your small loan application.

The new comprehensive credit reports have been changing the way money lenders see your credit information. Unlike the conventional credit report that only reveals your defaults, incurred debts and late repayments, the latest credit statement shows your credit history as a whole – citing both the negative and the positive. It shows your financial activity within the last 24 months, including your timely repayments and positive efforts to increase your credit score. This means that whenever you make repayments on time, it reflects a good credit behaviour that your prospective lenders can see.

Loan calculator

Whether you are to borrow money for the first time or have been using loan products for a while already, using a loan calculator should be a priority. By using a personal loan calculator, you can select your desired loan amount and your preferred repayment duration. It’s a useful, free online tool that provides on-the-spot calculations of how much your monthly repayments would be, including your interest rates and establishment fees. Take note that the numbers you see are still subject to further assessment and suitability. Nevertheless, it gives you a personalised loan computation preview so you can adjust your spending accordingly.

Quick, online and easy. That’ how we do it for you. Apply now, and get that fast cash you need today.

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