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

star star star star star

“Very helpful and smooth application process.

Very satisfied customer here. No nasty surprises.”


MyOzMoney customer

star star star star star

“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

Personal Loan Repayment Calculator

The MyOzMoney personal loan calculator is a flexible online tool that helps you understand the different types of repayments you will need to make if you take out a loan with us. This will help you take control of your finances, by allowing you to plan according to your personal circumstances. Using the personal loan calculator, you can quickly and simply discover which of our loans of up to $50,000 is the right one for you.

Easy To Use

The personal loan calculator is the simplest way to understand the different repayment plans that are available to you when you take out a loan with MyOzMoney. Simply enter a couple of easy details, such as the loan amount you require and the loan duration. The personal loan repayment calculator will then do the hard work for you, providing you with a summary of your monthly repayment amount and the total repayment amount for any loan.

Take Control

One of the advantages of the personal loan calculator is that it let's you take control and plan for the advance loan that’s best for you, according to your ability to make your repayments. If you know the amount of money you need, you can increase or decrease your regular repayments, by increasing or decreasing the amount of time you choose to pay back the loan. Taking out a loan with MyOzMoney means everything is in your control – you can always plan the loan amount and repayment period that will suit your current situation.

Responsible Lending

It is important to us that you won’t be under any financial strain if you decide to take out a short term loan with us. This is why we always check your bank statements using our highly secure software: to ensure your regular income and expenses will allow you to comfortably pay back the loan within the required timeframe.

By giving you access to our free online tool, the personal loan calculator, you can also check ahead of time whether you will be able to make the repayments for different loan sizes. This will help you decide which loan is right for you before you apply.

At MyOzMoney we are also completely upfront about any fees, charges, or interest rate costs you may incur when you take out a loan with us. This means you will always know what you’re getting yourself into, and will never be faced with any unpleasant surprises.

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Simple and flexible loans up to $50,000