Loans from
$2,100 to $25,000

Quick. Online. Easy.

How much do you need?

For how long?




Total repayments $0, made up of an establishment fee of $0 and interest of $0. The repayment amount is based on the variables selected, is subject to our assessment and suitability, and other important terms and conditions apply.*


For illustrative purposes only. The example shown above is based on an average customer. We base our decisions on several criteria and loans can only be granted to borrowers who can afford repayments. For more information about responsible lending contact us on 1800107010.

Personal Loans

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.

What is
a personal loan?

A personal loan is an amount of money borrowed for any number of reasons, such as financing a vehicle or repairs, performing home renovations, financing a holiday, or consolidating debt. You can use a personal money loan for anything you want but don’t have the cash for. This allows you to pay your purchase or expense without delay.

What could you do with $25,000?

Maybe a better question might be – what couldn’t you do with $25,000? A personal loan can be used for almost anything. 

Quick personal loans

MyOzMoney may have an answer for you if you’re after a personal loan fast. Powered by Proviso technology - a cutting edge fast online approval system - you may receive approval on your loan application in minutes, provided you meet the criteria outlined in our responsible lending guidelines. A quick personal loan from MyOzMoney can take just 5 minutes to apply for and if approved, money can be in your account within the hour, depending on who you bank with. 

Why not treat yourself?

Need to book that holiday while the special’s still on? Been drooling over that quad bike for months and just can’t wait any longer? A quick personal loan could be your ticket to sun drenched days in the tropics, or a mud-splattered adrenalin high from the back of a roaring quad bike.

Loans for personal use can also help you take advantage when the price and timing is right. This means you won’t have to miss out on special prices or early bird offers just because you don’t have the cash. So, treat yourself to that luxury purchase you’ve been longing for. We can help make it happen for you without any more delay.

Get approved fast with MyOzMoney

Our fast personal loans can be approved in just a few short minutes, with money delivered in an hour in some cases. By taking out a personal loan with MyOzMoney, you can get you the cash you need, right when you need it.

No fuss, no hassle, no worries

Sometimes you can be caught off guard with an unexpected expense, or a one-time-only offer. An fast personal cash loan can take care of that on the spot.

Quick personal loans with MyOzMoney can help in these situations when you can’t pass up the moment, and need cash fast, easily, and without any hassles.

Click on the Apply Now button to get the cash you need in next to no time.

Ready to start?

Personal Loans up to $25,000 Approved Fast | MyOzMoney

Easy, fast and online

MyOzMoney introduces a modern way of borrowing cash. Using an advanced loan management platform, you may get access to personal loans up to $25,000 in a matter of minutes. Apply online, get a fast personal loan application outcome, and receive the funds in your bank account within minutes. Everything is smooth and happens online, from your application up to getting your extra cash – even your loan contract is signed off digitally. No paperwork, no long queues and no hassle.

Learn more

Easy, fast and online

MyOzMoney introduces a modern way of borrowing cash. Using an advanced loan management platform, you may get access to personal loans up to $25,000 in a matter of minutes. Apply online, get a fast personal loan application outcome, and receive the funds in your bank account within minutes. Everything is smooth and happens online, from your application up to getting your extra cash – even your loan contract is signed off digitally. No paperwork, no long queues and no hassle.

What is a personal loan?

A personal loan is a type of loan where you borrow money at a fixed rate and repay fortnightly or monthly over a fixed duration. You can use it for a wide variety of reasons, such as paying for car repairs, home improvements or wedding expenses. Personal loans give you access to easy money so you can purchase and pay for the things you need right now.

How to get a personal loan

The conventional lending process usually equates to lengthy forms, several days of waiting and frequent phone calls. Here at MyOzMoney, we revolutionise the way credit works by constantly evolving our products to build relevance to this generation’s growing demands for fast and simple services. We make sure you have access to fast credit, whenever and wherever you are.

To be eligible to apply for loans with us, you must be a citizen or a permanent resident of Australia, at least 18 years old and currently employed. If you meet all three requirements, then you’re all set to apply.

Our advanced data technology allows you to experience a seamless and entirely online loan application process. Just fill out the application form with your personal details, requested amount and duration. If you’re applying during business hours, you get quick loan outcomes with the money transferred to your bank once approved. It’s low doc and simple!

We also ask for your online bank details so we can fast track the outcome of your application for cash loans. You don’t have to worry, because we are only able to obtain a read-only copy of your 90-day bank statement history using a safe portal with the same level of security as your bank. The documents come in a PDF format only, so rest assured that we cannot access your banking login details in any way.

As an online lender with an Australian Credit License, we’re all about fair and responsible lending. We only offer loan terms that you can comfortably repay. Apart from your credit score, we also look into various factors such as your credit history, income, financial commitments and living expenses. This way, you get a personal loan rate that is fully customised to you.

Comprehensive Credit Reporting (CCR) has positively changed the way money lenders assess your credit behaviour. Not only it shows your ongoing fees, recent defaults and incurred debts, but also your positive credit behaviour for the last 24 months and your good repayment history. This comprehensive credit report allows us to come up with fairer loan decisions and give you flexible loan terms when you apply for a loan with us.

Know your ideal rate

You may be considering to take out a personal loan, but not quite sure how much and how it will affect your current financial commitments. By using a personal loan calculator, you get a clearer picture of how your fees and charges would look like, such as your monthly repayment and establishment fees. We align your repayments with your current pay cycle, so you don’t have to think of getting late fees. One less thing to worry about.

This loan calculator is online and super easy to use, and you must get access to your calculations before applying for a line of credit, personal loans or same day loans. How to use it: just select your preferred loan amount and the duration of your repayments and you’ll get your expected personal loan rates, right then and there!

Increase your personal loan amount

Using the data we have obtained through the comprehensive credit report, we may be able to reward you for your positive payment behaviours. If you have successfully paid off your personal loan, we may re-evaluate your profile. If you make repayments on time, your credit score with us improves, which means you may get access to better loan terms and offers.

Structured repayment plan

Personal loans may come in the form of a line of credit, cash advance or express cash. All of them have fixed interest and paid over a fixed duration for a variety of reasons. The structured repayment plan of personal loans allows you to adjust your discretionary spending to meet your objectives and make comfortable repayments. This way, you can make upfront and immediate payments without hurting your savings.

Manage your education fees

Have you started thinking about college? You may have been offered a slot at your prospective university and seeking various forms of financial aids to fulfil your college dreams, and taking out personal loans might be on your list. Aside from the course fee itself, a student loan can also provide fast and easy payment options for your student accommodation, textbooks and other essential learning tools. It is also suitable if you’re considering taking the next step to your education, such as enrolling for a master’s degree or simply wanting to take short online courses to enhance the current skillset you have.

Unsecured personal loans for your car

Or you may be eyeing that car for quite a long time now, and it’s suddenly available at a cheaper rate for a limited amount of time. Getting your own car may seem like a farfetched dream with your current cash flow, but with an unsecured car loan or personal loans from MyOzMoney, you can finally turn your dream vehicle purchase into a reality. It is convenient, and the rates are tailored to you.

Extra cash for travels

Paying for your travel fees upfront and in full amount is now made easier with MyOzMoney’s personal loans. Now, you can book your next flight even when your miles are not ready for use at the moment. Everything happens online, and there’s no need to wait for your savings or your next paycheck to secure the holiday destination you deserve. It’s fast and simple.

How long do personal loans take to come through?

We remain true to our value of delivering the fastest loan outcomes. If your application for personal loans is submitted during business hours, you will receive an outcome on the same day. On the other hand, applications submitted outside of business hours are processed on the following day.

Once your application for fast loans or small loans has been approved, your money is transferred directly to your bank account. Depending on which bank you are with, transfer times may vary.

Our personal loans are fair, transparent and designed to match today’s busy and on-the-go lifestyles. Taking control of your finances and acquiring fast cash for urgent needs may come across as challenging, but with MyOzMoney, it’s all simple and straightforward.

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