Low rate personal
loans up to $50,000

Competitive rates from 7.95% p.a.
(9.33% p.a. comparison rate*),
with same-day money transfers.

*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.

Bond Loans

Bond loans are small loans and short term loans designed to help rental tenants cover the cost of a rental bond on a new property as well as other moving-related expenses like professional cleaners and removalists. We offer individuals access to up to $50,000 for unsecured personal loans and up to $15,000 in our line of credit option. Complete your fully online application in less than 5 minutes and get approved for a new rental property faster with bond loans from MyOzMoney.

The cost of a new rental bond is not standard throughout Australia. Bond amounts in NSW may not match amounts payable in other states like VIC and QLD, WA and SA. The amount payable can vary depending on the weekly rent for your property and your real estate or landlord may request the full payable amount. For some states, this could mean that you’re forced to hand over up to 8 weeks’ rent before you even move in. That’s hardly a comfortable amount to either put on your credit card or take out of your savings account. Choosing bond loans helps to remove the financial strain of moving by giving you access to the cash you need upfront and then allowing you to slowly repay your loan amount over time. The good news is MyOzMoney offers fast cash loans all over Australia.

Use our quick and easy online loans application process to apply for personal loans in Sydney, Brisbane and Melbourne, as well as access cash loans for anywhere else in Australia.

How does a bond loan work?

MyOzMoney is home to quick cash loans starting at $2,100 and available for balances of up to $50,000. We can help you cover all of your upfront moving costs with bond assistance and rent assistance loans that you repay in regular, cash flow friendly monthly or fortnightly instalments. If you’re not sure how much you would like to borrow, then use our quick and easy personal loan calculator. Using this tool will help you get an idea of what a likely instalment amount would be for one of our bond loans. Before you apply, use your indicative repayment amount to check whether a fast and easy loan from us will fit comfortably into your current living expenses budget. We are a responsible money lender which means that we tailor our range of credit products, including our personal loan products like our bond loans, so customers find them affordable and flexible. 

Our range of quick loans is offered for a fixed amount. Your loan contract will contain everything you need to know about your loan, including repayment schedules and the total cost of your finance. If you’re looking for a little bit more flexibility that allows you to settle your rental bond and moving costs but also offers you the option of drawing on fresh credit when you need it, consider our revolving line of credit. Balances are available for up to $15,000 and once you have repaid any credit funds you have used, then you can simply draw on your line of credit again when you need to. As a fully online service, manage your line of credit from your smartphone and transfer cash directly to your account or anyone whenever you need to. Enjoy the peace of mind and security of knowing that you have instant access to new credit when you need it.

Our personal loan interest rates and line of credit fees are highly competitive. Not only do you enjoy a fast and easy online application process, but you also enjoy fast approvals and money transfers. We work fast to ensure our customers get access to the funds they need when they need them. Apply online now for bond loans and same day cash loans.

Fair and responsible lending

To be eligible for any of our available credit options, you will need to be at least 18 years old, currently a permanent resident of Australia and employed. Our online application form is easy to use and fast to complete and submit. We will ask you for information about your current living expenses, what you intend to use your credit for and whether you have any other debt to determine the amount we believe you can comfortably afford to repay. Our commitment to responsible lending means that we offer credit only to customers who can comfortably afford to repay it. 

Responsible lending is about more than just checking off credit files. We understand that sometimes we all find ourselves in financial trouble so if your credit history is not as great as it could be or you are a young person and don’t yet have any credit history, we can still help. Customers with a poor credit file may like to consider choosing small loans and short term loans with a lower and more manageable credit amount. Once your loan has been repaid in full and we can see that you are a reliable and trustworthy credit customer, we may be able to be more flexible with your next application. If you have a strong credit history with us, then you are more likely to access higher loan amounts as well as possibly lower interest rates and fees charged for future loans you apply for with us.

Get into your new rental property sooner rather than later with MyOzMoney and our range of easy, affordable and convenient bond loans or our line of credit option. Applications take you just 5 minutes to complete and approvals are usually the same day. Once approved and once you have accepted your new loan contract, your money is transferred immediately. This could mean that the bond amount you need to secure a new rental property could be in your account the same day that you apply for it. Apply now.

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