Simple, flexible Personal Loans

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.

Quick Application

Quick application

Applying online takes less than 5 minutes. No paperwork required.

Fast Approval

Fast approval

We'll give you a fast outcome on your application.

Great Rates

Great rates

Competitive, personalised interest rates.

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Uncomplicated loans

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.

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Low personalised rates

Competitive interest rates tailored to your financial situation.

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No early repayment fees

Pay off your loan ahead of schedule without any extra charges.

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Instant money transfers

Get quick access to your funds. Once approved, we’ll transfer the money instantly.

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Flexible terms

Choose a loan period and payment schedule that suits you.

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Freestyle Credit Card

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A digital credit card with great rates and smart payment features. Money anytime, anywhere.

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Smart ways to pay

Pay from your mobile wallet, shop online or transfer money using your digital card.

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Interest-free terms

Enjoy the convenience of up to 55 days interest-free on purchases.

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Use card straight away

Once approved, your digital card is ready to use instantly.

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Cash back rewards

Earn up to 40% cash back when you shop online at over 2,000 stores.

How it works

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.

What our customers say

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“The application process was thorough, but simple. Great communication and understanding from staff. Funds arrived within a few hours. I will definitely recommend OzMoney to anyone requiring funds.”


MyOzMoney customer

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“Very helpful and smooth application process.

Very satisfied customer here. No nasty surprises.”


MyOzMoney customer

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“Really satisfied with outcome. Quick & easy online process with no headache or annoying phone calls. Happy with the rate I received, definitely recommended. I Would definitely come back if I'm in need of it.”


MyOzMoney customer

Simple and flexible loans up to $50,000

What is a holiday loan?

A holiday loan with MyOzMoney allows you to borrow up to $50,000 online, which you can use to plan and book your next holiday or vacation. It is an unsecured loan, which means you don’t need any collateral attached to the loan. It also doesn’t require any lengthy paperwork. Here is how to get a holiday loan.

Things to consider

When planning a holiday, it can be helpful to create a checklist of everything you need to organize. This can include how you will deal with budgeting issues like foreign exchange rates. Exchange rates can fluctuate, which means the price you pay for accommodation or tours can vary from day to day. This can make budgeting for your holiday very difficult. Holiday loans can offer you security by allowing you to book your flights or accommodation ahead of time, when the exchange rates are at their best. This allows you to lock in the cost of your holiday, removing uncertainty around your budget. One less thing to worry about!

Your dream holiday

Holiday loans can help you plan and book your dream overseas holiday. A holiday loan will allow you to borrow the money you need to pay for the more expensive areas of travel, such as flights, accommodation, and tours. You can then repay the loan in manageable instalments over a period of time. By breaking down the cost of your holiday into smaller pieces, it can be easier to manage your budget. It also means your cash savings are freed up for spending money or unexpected expenses that can sometimes arise. This means no nasty surprises.


When you find a great travel deal online, you often need to act quickly to lock in the price. If you haven’t had time to save up for the full cost of your holiday and you need to borrow money to make it happen, you can find out how much you can borrow on the MyOzMoney website. A MyOzMoney holiday loan can help you lock in that great deal before it expires, so you will never miss out. You can apply for up to $50,000 quickly and easily using our online application form. The whole process takes just five minutes, and there is no time-consuming paperwork to complete. We will assess your application electronically and, if approved, the money can be in your account within an hour, depending on your financial institution.


We pride ourselves on being a responsible lender. If you are over 18 years old and currently working, you can apply for a loan with MyOzMoney. We will only ever lend you an amount you can afford to repay. The best part about it is that because this loan is a small personal loan with fixed interest rates, you will always know exactly what you’ll need to repay before you commit to the loan.

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Simple and flexible loans up to $50,000