Cash Now

As modern money lenders, we’re all about helping you to get cash now by making access to our loans and other credit options easy. We believe in responsible lending and fully support you throughout the application process, meaning you won’t get caught out by any hidden fees and charges when you take out one of our personal loans.

How to get quick cash now?

To get cash now, you can complete the cash loans australia application process in just a few minutes from any computer or handheld mobile device. 

Before you apply, we recommend spending a few minutes with our nifty online loan calculator. You’ll be able to compare different cash loan terms and amounts and get a good idea of what your monthly loan repayments will look like. Because we only offer fixed rate loans, your repayments will stay the same for your full loan term. Repayments on your personal loan should fit comfortably within your financial budget and allow for contingencies or unexpected circumstances. 

To meet the eligibility criteria for one of our loans, you’ll need to be an Australian citizen or resident and at least 18 years of age. We’ll verify this online at the beginning of your application, so make sure you’ve got an Australian-government issued form of identification - such as a passport, licence, medicare or proof of age card - close by. 

First, we’ll ask you about what amount of cash you’d like to borrow.  Ozzie Loans offers cash loans between $5,000 to $50,000 with repayments over 1 to 5 years. Next, you’ll need to tell us about where you work and what you earn, your regular expenses, and any other debts or lines of credit you might have, e.g. a credit card or other personal loans.  

We’ll then check your credit history and, as a final step in your application for cash now, obtain read-only access to your bank statements through a secure connection to verify the information you gave us around your income and general financial situation. 

You’ll know the outcome of your loan application within minutes, and depending on who you bank with and whether you applied during business hours, have the cash in your account by the close of business day. Easy!

How to get cash with no credit?

Are you in need of cash now but worried that your credit score has taken a few hits and might not paint you in the most favourable light for a loan? Or are you perhaps a young person seeking a student loan, but this is the first time you’ve applied for a line of credit? Don’t sweat it!

Ozzie Loans believes in responsible lending. We assess each loan application individually, using machine learning processes and algorithms to help us make informed lending decisions. These decisions are largely based on the information reflected in your credit profile, but also your income and work history, bank statements and other factors.

Combined, this information helps us determine how much cash we can release for you to borrow and under what loan conditions - including your interest rate and repayment period. 

You’ll be happy to know that things have changed around how your credit score is calculated, and we’re huge fans! Before, only negative credit behaviours were tracked, such as where you may have missed a bill or other repayment. This is called ‘defaulting’. Nowadays, things are much fairer. 

Every time you meet a repayment, you’re demonstrating positive credit behaviours - and these are now being recorded along with any defaults. We think this is great, as it presents a much more comprehensive borrower profile and allows us to see where things are really at, so you’re not just being measured against a few blemishes that happened in the past. 

It also means improving your credit score is easier! Just remember that each time you apply for a line of credit, like a credit card or personal loan, it’s recorded on your credit file. False declarations or multiple line of credit applications within a short period of time - even if you made an honest mistake within the application - aren’t looked upon favourably and will negatively impact your credit score, so be sure you’ve got all your information correctly in place before you apply. 

Ozzie Loans is a responsible money lender, and we want to make sure you’ll be able to comfortably make your repayments for the duration of your loan without experiencing financial duress. As a result, it might be that the initial loan amount offer is lower than what you’d hoped for. Taking out a small loan to get cash now is a great way to demonstrate that you can consistently make your repayments while helping to repair your credit.   

Unlike other money lenders, we won’t charge you for making early repayments on your loan. In fact, we encourage it! It’s all part of our approach to smart, responsible lending and empowering our customers. 

We also love to reward our good customers and also have an in-house credit rating for people who take out our personal loans or make use of our virtual credit card. Making consistent repayments on your line of credit will improve both your personal and in-house Ozzie Loans credit score, meaning you are likely to be eligible for higher credit limits, i.e. more cash and lower personal loan and credit card interest rates over time.

Can you get cash without taking a loan?

If you’re after cash now but aren’t interested in a personal loan, our Ozzie Loans line of credit might be the perfect option for you. 

The process for applying for our line of credit is easy and fast - everything is online and you experience a straightforward application, exactly how it is with our personal loans. With our line of credit, all the balances you have repaid can be reused again, and you only pay the interest for the amount you have used.

Our line of credit is flexible and ready for use anytime, and you can use it for just about everyday expenses you have. Apply Now!