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 an unsecured car loan?

An unsecured car loan from OzMoney can give you up to $25,000 to spend towards a car, without using an asset, such as the car, as collateral. This is different to a secured car loan, which requires the car to be used as security. Our application process is also completely online, totally paperless, simple, and fast.

Things to consider

There are many things to consider when purchasing a car, and it is important to shop around. Second hand cars are generally cheaper than new ones, but come with the risk of existing wear and tear, and maintenance issues. If you can find a second hand car that is only a couple of years old, however, its new car warranty may still be valid, which can give you extra peace of mind. Expenses to budget for include on road costs, such as registration, stamp duty, and insurance.

Freedom, independence, flexibility

Unsecured car loans can help you purchase your car and even customise it to your taste. Whether you are buying your first car, or upgrading your existing car, you may want to make your car unique by customising it and adding your own special touch. A MyOzMoney car loan can also cover related expenses, such as urgent repairs to the car, or general maintenance. In fact, it can even be used to finance boats. Yes, it’s quite flexible.

Acting fast

It’s best practice to visit and compare offers at different dealerships. This allows you to negotiate the best price for the car you want. When you have found a great deal, you may need to act quickly so you don’t miss out. This is where a MyOzMoney unsecured car loan can really help. These personal loans allow you to borrow up to $25,000 from us, quickly and easily. The application process takes just five minutes, and there is no time-consuming paperwork to complete. We assess everything electronically using, which is a secure online checking system. This allows us to view 90 days of your bank statements, without you having to send us any pay slips. Once approved, the cash can be in your account within an hour, depending on your financial institution.

Responsible and flexible

At MyOzMoney we take responsible lending seriously. We will only lend you what we know you can afford to repay. We disclose all of our fees and charges up front before you accept our loan offer, so there are no nasty surprises. You can also easily work out your repayment commitments using our personal loan calculator. You can have your repayments debited in line with your income cycle, making it one less thing to think about. We also offer flexible repayment options and great interest rates. If you have an excellent credit history, and if you repay your loan on time, you can additionally qualify for cheaper rates on future loans.

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Simple and flexible loans up to $50,000