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.

No Paperwork Loans

We are the online money lender specialising in offering fast and easy no paperwork loans at competitive fixed interest rates and low fees and charges. Approvals are fast, usually received within the hour when you apply during business hours. If you’re happy with our quick loans offer, then you simply sign your new contract online, and we transfer your funds immediately. Depending on which bank your account is with, you could receive the money you need by close of business the same day that you applied for it.

We offer great rate quick cash loans from $2,100 to $50,000 as well as a flexible line of credit option for pre-approved balances of up to $15,000. A little bit like a credit card, our line of credit option offers you access to credit funds that you can transfer into your account when you need to. Minimum transfers of $100 apply. Once you have repaid any credit you have used then those funds become available to borrow again immediately. Our cash loans do not offer a redraw facility and you cannot increase your loan amount throughout the term of the loan. If you’re looking for more flexibility with your finance, then the line of credit option may fit your circumstances better. It’s the same 5 minute online loans application process, regardless of which credit products you are applying for, so get started on an application now and you could have access to a $15,000 line of credit by the end of the day. Apply online from anywhere in Australia including Sydney, Melbourne, Brisbane.

While you’re looking at available options you can use a range of online tools like a personal loan calculator to help you work out what your borrowing power is. Online calculators are great tools for quickly checking what a loan will likely cost you, what your repayments will probably be like and help you choose a loan term that works for you. Results are indicative only as your final interest rate and fees, like establishment fees, won’t be available until you have received your approval. Regardless, it’s still a great tool for quickly budgeting in the impact of a new finance option or for working out whether you can pay out a loan balance ahead of schedule and save yourself money by reducing your interest payments.

It’s always a good idea to compare lending options before you accept any offers from your credit provider. When you are comparing lenders and finance options, ensure that you’re looking beyond the advertised interest rate and check what other fees and charges the lender will include. Things to look out for include early termination fees when you pay out your loan balance before the loan term has elapsed and other ongoing charges throughout the term. For example, we don’t charge our customers for paying out their loans ahead of time so if you’re in a position to close out your loan ahead of time and save yourself some interest in the process, we make that process just a little bit easier.

Easy loans from us come at a fixed rate of interest and fixed monthly repayments over your nominated loan term. You know exactly how much your loan will cost you in total before you sign your contract, and you know what your monthly repayments will be like ahead of time. This helps you to make a clear budget and factor in your new costs comfortably.

How can I get a loan without any paperwork?

If you have decided that quick personal loans are the way forward for you then the great news is that you’re 5 minutes away from submitting an online application with MyOzMoney. Applying with us for both our loans online or our line of credit option is fast and easy. They’re no paperwork loans because we don’t ask you for paperwork and instead verify your application details using your most recent 90 day transaction statement. At the end of your application, you will be asked to log into your online banking platform. This gives our loans assessment team read-only access to a bank statement in PDF format showing the last 90 days of activity on your account. This is read only access, and no one can access your bank account or online banking credentials. It simply allows us to check your application details in record time and it’s why we can offer such fast approvals and fast cash loan transfers for our approved customers.

You can apply for any credit product with us as long as you are at least 18 years of age, currently employed and a permanent resident in Australia. We believe in responsible lending so we only offer our range of finance to customers we believe can comfortably afford to repay them. We’re also straight-talking and simple to deal with. Everything you need to know about how our finance products work is available to view online, including our full schedule of fees.

As a MyOzMoney customer, you may enjoy access to lower fees and interest on future finance products when you successfully repay any small loans and short term loans with us. This is great news for anyone struggling with poor credit history. While you may not be approved instantly for your ideal loan amount, you can still access smaller no paperwork loans first and build up your credit reliability slowly and healthily. 

Apply online with MyOzMoney for any of our credit options and enjoy no paperwork loans that take you less than 5 minutes to apply for. Get approved for the cash that you today and you could have access to your money the same day that you apply for it.

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