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.

Unsecured Loans

An unsecured loan can allow you to borrow up to $50,000 without any collateral. Your money can be in your account in minutes, depending on your bank. Because you don’t need any assets to secure the loan, such as property, the application process for an unsecured cash loan with MyOzMoney is simple, easy, and quick.

Easy and dependable

MyOzMoney is a trusted and established loan provider in the Australian market. Because our unsecured loans are 100% online, our overheads are far lower than many other lenders and banks. This means we can pass on these savings in the form of lower fees to you, the customer.

We also pride ourselves on being transparent in everything we do. Our costs are outlined in detail on our website. Our interest rates are competitive, and our fee structure is very simple. We don’t charge unfairly for items you shouldn’t have to pay for, such as account keeping fees, communication fees, or late repayment fees. This is because we believe in making unsecured loans accessible for anyone who needs cash fast, without penalising you for requiring finance.

Fewer hassles and oh-so-simple

MyOzMoney specialises in providing simple and easy short-term loans for amounts up to $50,000. We don’t need you to provide any assets to secure against your loan. We just want to see that after your income and expenses, you will have enough extra cash left over to comfortably repay your loan.

Our easy application process involves filling in a simple online form. All you need to provide is your personal and employment information, and approximate income and regular expenditure. We will then perform a quick check of your bank statements online via our secure software, bankstatements.com.au.

The entire application process can be performed online without printing, signing, scanning, or emailing any physical documents. It’s as simple as that!

Reasonable repayment structure

At MyOzMoney, we want it to be as easy as possible for you to repay your loan. This is why we align your repayment schedule with your pay cycle – so you will be in the best position to meet your repayments on time, without any issues. Doing this helps you to avoid being hit with bank fees that can occur when payments cannot be taken from your account.

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

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

Borrowing made easier

MyOzMoney is a straightforward money lender offering unsecured loans online up to $50,000. Apply online, finish your application in under 5 minutes and receive an outcome fast. As an established and trusted loan provider in Australia, we are committed to delivering fast loan decisions using our tech-based loan management platform.

Learn more

Borrowing made easier

MyOzMoney is a straightforward money lender offering unsecured loans online up to $50,000. Apply online, finish your application in under 5 minutes and receive an outcome fast. As an established and trusted loan provider in Australia, we are committed to delivering fast loan decisions using our tech-based loan management platform.

And, it’s not just talk, either. We are very transparent and we encourage our customers to make informed decisions, so feel free to undertake a personal loans comparison to find the best fitting finance option for you. Once you’re approved for your desired loan amount, we arrange same day cash transfers which, depending on your bank, could see your cash amount delivered in minutes.

MyOzMoney is a fair and inclusive finance provider. We offer quick cash loans and a line of credit for up to $15,000. We believe in making unsecured personal loans accessible and affordable for anyone who needs fast cash. Apply now for unsecured loans, like car loans and boat loans online for quick approvals and same day cash transfers.

Everything you need to make an informed decision about who we are and what we stand for is available online. Ensure you read and understand our product disclosure statement and feel free to contact us directly if there’s anything you need to clarify. Our terms and conditions are fair because we conduct accurate risk-based assessments for all customers, taking into account credit scores as well as other financial data to help us remain responsible and accessible lenders.

What is a secured personal loan vs unsecured?

Loans come in two types: unsecured loans and secured loans. An unsecured loan is a cash loaned to an individual which is not offered based on the value of an asset the individual owns. A secured personal loan is a loan given in exchange for the right to possess or sell an asset the credit customer owns should they find themselves unable to repay the loan. Collateral often comes in the form of items like cars and property deeds (in the case of most home loans) and they can sometimes help to reduce higher interest rates

We offer customers a range of unsecured loans designed to help you with everyday spending and emergency payments with affordable fees and charges. Access products like our unsecured car loans to help you purchase a reliable second-hand or brand-new car faster and with less hassle than traditional car financing. 

The best way to decide whether unsecured loans or credit lines are affordable for you is by using a personal loan calculator. Personal loans calculators are available online and help you get a picture of your likely interest rate, repayment amount and approved loan amounts. Using repayment calculators will help you to breakdown the total cost of the loan and understand the difference between your principal loan amount and the total interest payable.

Short term loans will mean you pay less interest overall because the loan time is short but your repayment amount may also be proportionately higher – meaning you face larger out-of-pocket expenses throughout your loan term which will need to be budgeted carefully into your general living expenses. No type of unsecured loan is better than the other but the more information you have access to, the better informed your choice will be. 

A line of credit for on-the-go payments

If you think small loans are not the right credit product and you want something more flexible, you don’t have to look any further. Some individuals will find a line of credit much more effective than unsecured loans, offering them a quick cash advance when they want it. We offer customers access to up to $15,000 with a revolving line of credit that works just like a credit card.

With MyOzMoney’s line of credit, you have the freedom to choose how much you need to withdraw from a pre-approved limit and then arrange easy and flexible repayments. You can pay out your balance early with extra repayments or reschedule repayments when you need to. More importantly, you can access the fast cash loans you need from your pre-approved credit line any time you like. This means that you’ll have the peace of mind knowing that you have fast access to money whenever the need arises.

This option may suit individuals seeking quick loans to help cover the cost of moving to a new house, paying unexpected expenses like urgent car repairs and veterinary bills, or planning and paying for a trip away. For more established events or purchases like planning your wedding and getting the cash you need to start on your renovations may be better served with an unsecured loan. This helps you establish your budget early and delivers your total amount to you in one lump sum to be disseminated as and when you need. You can manage how you repay your balance with tailored options that you can sync with your pay cycle.

Alternatively, you may have a range of smaller debts scattered across multiple providers and finance companies. Refinancing with a fixed rate debt consolidation loan can help you group all of your debt into one manageable low-interest personal loan. Free yourself from compounding debt or just tidy up your scattered finances with our help. 

Discover how MyOzMoney can help you get in front of your finances or closer to where you want your life to be with our range of unsecured loans available online. Apply now and experience the faster way to access funds!

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