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.

Cash Today

Get cash today for up to $50,000. As a tech-driven and online moneylender, MyOzMoney offers credit customers a hassle-free application process along with fast online approvals and cash transfers. Our range of unsecured personal loans and our line of credit option take you just a few minutes to apply for using our quick, intuitive online applications for same day cash loans. Our quick loans could hit your account the same day that you apply for them so when we say cash today, we really mean it.

We are a completely online lender in Australia, covering Sydney, Melbourne, Brisbane and everywhere in between. As we don’t have any physical stores, we opt to focus on giving our customers the best personal loans at the most competitive personal loan interest rates available. Use our range of online tools like a loan repayment calculator to work out before you apply what kind of loan is the most affordable for you. Our online calculators show you the total interest payable over your nominated loan term as well as how to cut down on your interest costs. At MyOzMoney, customers are free to close out their loan balance ahead of schedule without having to pay early exit fees.

Types of cash loans available

Get cash today from MyOzMoney for any big purchases or upcoming costs that you need to cover. We can help you make much-needed renovations to your family home, move to a new rental property, help you with education and tuition costs and countless other life events. Get quick cash loans online from the fast and effortless online lender and you could have the cash today that you’re looking for.

Our rent assistance credit option is designed to help you cover living and moving expenses comfortably. We offer small loans and short term loans to individuals who need cash loans online today, like renters searching for a new rental property. Apply online for a bond loan to help cover the cost of a quick relocation and secure your new rental property immediately. Pay for your professional services like removalists and cleaners along with your security deposit and advance rent in one fell swoop and enjoy the flexibility of repaying your bond loan slowly over time. Loans start from just $2,100 and you can use our online tools to help you assess how affordable a quick online loan from us could be.

Are you a young person looking for a student loan? Younger people can sometimes find it difficult to get approved for fast cash loans owing to too little credit experience. We are a responsible lender, and we are committed to creating inclusive credit products like same day loans tailored to our customers. When you apply for any of our loan products, including our line of credit option, we check your credit history and as well as your other application details like your current salary, living expenses, other debts or bills, etc. Our loan assessment team understands if your credit file isn’t great, and you may not be approved for the total loan amount that you’re looking for straight away. By repaying small loans successfully, however, you could rebuild your credit file and history and get approved for larger loan balances in the future for lower fees and charges.

For anyone looking to apply for cash today, take a quick look at our personal loan repayment calculator. This tool is for checking how a cash advance or travel loan will impact your current living expenses before applying. You can adjust things like the interest rate charged, the total loan amount and the loan term you are ideally looking for. Don’t forget to include establishment fees in your calculations.

The calculator will give you information like a likely repayment amount you can expect to pay for something like a boat loan or car loan. Experiment with the inputs like your desired loan term to work out the best loan term that works for you and whether you can afford to reduce your total interest payable by making additional payments. Unlike other lenders, we don’t charge you early termination fees if you can pay out your loan balance faster.

Our line of credit option is available to eligible customers for balances between $1,000 and $15,000, offering you cash today for whatever you need. While a loan sum is deposited directly into your bank account, our line of credit offers you pre-approved access for credit funds up to your total limit, whenever you need them, a bit like a credit card. As you repay your credit funds, they automatically become available for you to draw on again. You may find that this option is more flexible as it gives you access to a regular cycle of funds that you can spend then repay in full once their payday comes around again, or you can choose to slowly repay your credit balance over several months, spacing out your payments to increase your monthly cash flow. This is particularly useful for paying time-critical expenses upfront like great sales on flights and then slowly repay them over time comfortably.

To be eligible to apply for any of our credit products you must be at least 18 years old, a permanent resident in Australia and currently employed. We won’t ask you for paperwork to prove what you tell us. Instead, we use a fast and intuitive way of checking your salary and living expenses and then cash today approvals immediately based on a recent transaction summary directly from your online banking platform. 

Apply online for cash today and let us help you get you closer to what you want with fast and easy online loans.

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