Better borrowing experience with Ozzie Loans

Digital financial solution

No more face-to-face applications, waiting in queues or completing unnecessary paperwork and waiting for days to receive a loan outcome. Ozzie Loans aims to deliver faster, fairer and more accurate same-day cash loans. And when we say fast, we really mean it.

Powered by a proprietary loan management platform from our parent company MyOzMoney, we use intelligent decision engines where we’re able to analyse thousands of social and financial touchpoints in real-time, providing you with personalised loan outcomes in a matter of seconds.

Line of credit for everyday spending

If you’re looking for fast cash but trying to avoid paying interest on a large loan, a revolving line of credit might be exactly what you need. Ozzie Loans offers a line of credit from $1,000 to $15,000 through a simple online application, with same-day fund transfers straight to your bank account. Use it for just about anything, like managing your bills, buying new furniture, or slightly bigger expenses like paying for your course fees or even buying a new car. It works just like a credit card, but without the hassle of carrying around a physical plastic card.

With a line of credit you only have to pay the interest of the amount you’ve borrowed, and you can reuse the balance you have repaid. Flexible and easy.

Personal loans for big and small expenses

Are you thinking of a grand holiday, or perhaps looking to start a big home reno project? Ozzie Loans can provide you with the cash you need so you can turn your dream travel adventure or home makeover into a beautiful reality. With our transparent fees, competitive rates and flexible repayment terms, you can pay for your big expenses sooner and pay them off much later without the worry of surprise hidden charges and high repayments.

Ozzie Loans can also help you cover hospital bills, emergency car fixes, motorbike expenses, or for when you just need a little extra on top of your personal savings. With our easy application process and fast turnaround, you’ll get the cash you need just in time.

Fair and secure personal loans

As a responsible online lender, we are all about making sure that we’re only lending you an amount that you can comfortably repay. Apart from your credit score, we also take into account various factors such as your income, debt obligations and living expenses to come up with an amount for quick loans tailored to you.

We also ask for your online bank statements to help us get a more accurate view of your credit behaviour. We retrieve a read-only copy of your 90-day bank statement history using a secure and safe portal with optimum bank-level security, the exact same one that your bank uses. At no point do we store or have access to your banking details, so rest assured that your personal data is safe.

These snapshots, along with some personal, employment and spending details, are all we need to come up with a decision for your loan application.

Also, with the help of the comprehensive credit report, we can now finally see your positive efforts and initiatives to pay off your debts. This allows us to get a clearer picture of your repayment history, unlike the old credit reporting that only shows your past defaults, credit enquiries and late repayments. If you make repayments on time, your credit score gets stronger and stronger, which means you can get access to lower rates and loan offers with better value.

Streamlined application

If you’re 18+, employed and an Australian resident, you can go straight to applying and get your cash today. All you have to do is to fill out our 5-minute online application, submit your online bank statements and a few identifications so we can process your application. Once approved, we’ll send you an offer that you can sign digitally and send back to us if you’re happy with the terms.

Depending on who you bank with, or when you apply during business hours, your funds may hit your bank account in as little as 60 minutes. But if you applied outside of business hours, your application will be processed first thing the next business day.

Should you have any enquiries with our line of credit, personal loan or any general questions, feel free to reach out to us. Our lines are open from 8am to 9pm Mondays to Fridays and 9am to 9pm during the weekends. Our customer service team would be more than happy to assist you and resolve any concerns you may have.

Apply now

Whether it’s for managing your bills, paying for home maintenance or preparing for bigger expenses like your education or a new car purchase, Ozzie Loans has got you covered. You can always apply via our website for a line of credit if you need fast money anytime and anywhere, or for our personal loans when you need quick cash for almost anything. Experience a streamlined, hassle-free application process when you apply with us today.