Quick Loans Melbourne

MyOzMoney is Australia’s online lender offering quick loans in Melbourne and across the rest of the country the same day you apply for them. Our application form takes you less than 5 minutes to complete and submit online and we don’t need lots of documentation or countless phone calls. In fact, we probably won’t need to speak to you at all regarding your application and customers often receive a response within minutes when they apply during our business hours. Get approved for quick cash loans from $2,100 to $50,000 or for our line of credit option for balances between $1,000 and $15,000 today. Get a quick loan online today from MyOzMoney, the straight-talking Aussie lender offering fast and easy finance for customers just like you.

What are quick loans?

Quick loans in Melbourne from MyOzMoney come in a range of options. You can apply for any of our personal loans via our website for balances between $2,100 and $50,000 in less than 5 minutes. We’re a wholly online lender so there’s no need to visit a physical address nor spend hours on the phone with us.

We offer competitive interest rates and low fees. Everything you need to complete and submit your application takes you less than 5 minutes and you can submit it from any device, at any time. Customers who apply during our business hours typically receive a response within the hour with fast approvals sent online. Once you have accepted your new loans contract then we authorise the transfer of your new funds immediately. This means that you could have the money you need within 24 hours of applying with us online, depending on who you bank with.

Our fast cash loans are paid to you in one lump sum, directly to your bank account. You are then free to use those funds as you need them. Short term loans, for example, can be a great way to get fast cash you need right now for unexpected expenses like getting car repairs, moving to a new rental home or covering costly medical bills. Our range of small loans start at just $2100 and can be taken over 12 months. However, you are unable to increase your loan amount or redraw on funds you have repaid throughout the term of your loan. If you are looking for a more flexible credit alternative that does allow you to redraw used and repaid credit funds, then you may be interested in our line of credit option.

Our revolving line of credit offers you access to a pre-approved credit balance from $1,000 to $15,000. You simply draw the cash that you need with minimum withdrawal amounts of $100 by transferring it to your bank account, like instant cash loans. Once you repay your used credit funds then they become available to use again, ready to transfer whenever you need them. You also remain in control of your repayments and schedule with the ability to defer repayments or split them when you need to. 

How do repayments work for quick loans in Melbourne?

Repayments for our online loans are fixed, just like your interest rates, throughout the term of your loan. When you are approved for finance, you will receive an online offer which details the terms and conditions of your finance option, including how many repayments you’ll need to make and how long the loan term is. Repayments are direct debited and if you are unable to make your repayment amount on time then simply give us a call or engage a customer service representative through live chat on our website. Please ensure that you arrange a payment schedule ahead of time to avoid late payment fees. We understand that sometimes life interrupts and you need a little bit of flexibility.

Where to get quick loans in Melbourne?

Getting quick loans in Melbourne takes you less than 5 minutes when you choose MyOzMoney. We offer online loans right across Australia so you can apply online from anywhere including Melbourne CBD, South Melbourne, Frankston, St Kilda, Bundoora, Dandenong, Werribee, Docklands, Southbank and Port Melbourne, as well as everywhere in between. You can apply online from any device using our fast and intuitive application form. We’ll ask you some basic financial questions like what your current income is, how many bills or debts that you currently have, what your living expenses are like including your mortgage repayments or rent, as well as any other costs you are currently paying like your entertainment costs for things like concert tickets, subscription services, etc.

We also ask for your online bank details to fast-track and provide a fair and accurate outcome for your application. We don’t receive any of your banking credentials or access to your account. Instead, we receive a read-only PDF copy of your most recent transaction statement going back 90 days. We use this statement to instantly verify your application details and it’s why we’re able to offer such fast approval across our entire range of financing options.

To be eligible to apply for any of our credit options you will need to be at least 18 years of age, currently employed and a permanent resident within Australia. Apply online now for quick loans in Melbourne and you could be approved and get the money you need the same day.