Fast Loans Australia

Our personal loans and credit solutions support all kinds of Aussies at different stages of their lives. We offer quick cash loans online between $5,000 - $50,000, which can be used on everything from moving house to medical expenses to buying a boat. 

Other customers opt for our virtual credit card - freeing up space in their wallets and accessing finance of up to $20,000 anywhere in the world, at any time, from the convenience of their smartphone. 

We operate 100% online, utilising the latest encrypted bank technology to gather and assess your financial information for our credit card and personal loans applications - all without the hassle of phone calls or paperwork.

Because we’re fully committed to mobile lending, you can apply for our cash loans and a credit card from anywhere in Australia, at any time.  Applications for our loans take under five minutes, and you’ll know the outcome is about the same. 

Depending on who you bank with, if you’ve applied and are approved during business hours, you’ll have access to your credit card finance or loans cash today. 

Now those are fast loans Australia!

How to get a loan fast and easy in Australia?

Applying for fast loans Australia is easy with Ozzie Loans. 

Our application process is 100% online and doesn’t mess about with uploads or supporting documents. We utilise the latest secure lending technology to verify all the financial information we need online and process your application in real-time. 

All you’ll need to apply with us is two forms of Australian government-issued identification, such as a passport, driver’s licence, medicare or proof of age card. No paperwork, no phone calls, no fuss. 

To be eligible to apply for Ozzie Loans personal loans, you’ll need to be at least 18 years of age and an Australian citizen or resident for tax purposes. We’ll first ask you about how much you’d like to borrow and over what term. Once we know that, you’ll need to tell us about your employment and income, daily expenses, and any liabilities, savings, and assets.

Once you’ve entered this information, we’ll run a credit check as part of the fast loans Australia application process. Finally, we’ll ask you to sign in to your online bank platform. It’s important to note that we don’t receive access to your account - our online loans management system simply requests transactions from the last 90-days in PDF read-only format from your bank.

Once we’ve received it, we’ll use it to confirm the information you provided around your pay, existing debt and other expenses in your application and let you know if you’ve been approved.  

The amount of cash we offer to lend you and at what interest rate is contingent upon your honesty and transparency when completing your application and on your recorded credit behaviours. 

Once you’ve signed and submitted your loans contract, your loan funds will be released immediately to your bank account.

How much can you borrow with a fast loan in Australia?

Ozzie Loans offers unsecured, fixed rate cash loans between $5,000 to $50,000 to approved applicants. No matter the size of your fast loan Australia request, the application process - and turnaround time - is the same.  Our interest rates are among the most competitive in the country, starting at just 7.95%.

Can you get a fast loan in Australia with bad credit?

Ozzie Loans believes in responsible lending. We’ll only approve our credit products to customers who demonstrate they can comfortably afford to meet their repayments along with their day-to-day living expenses. We don’t want any of our customers to experience financial hardship as a result of borrowing more than they can afford to pay back. 

Ozzie Loans assesses each loan application individually, so you won’t automatically be declined for having damaged credit. However, there are some circumstances that will cause your credit application to be declined, such as if you have a consistent pattern of defaulting (missing or failing to make payments), are in a debt arrangement, or are bankrupt.

When you apply for a quick cash loan or our virtual credit card, we’ll ask you a series of questions around your income, employment, and your usual expenses such as rent or mortgage repayments, groceries, utilities, subscriptions, fuel etc. 

We’ll also ask you to declare any existing liabilities or debt - including things like credit cards, existing loans, and buy now pay later debt. It’s important you’re upfront about these - we will run a credit check as part of the loan or virtual MasterCard application process, and returning a false declaration can significantly damage your credit profile.  

In addition to outlining your existing lines of credit, your credit file also reflects your credit behaviour. This is what tells us how risky it is to lend to you, as it allows us to differentiate patterns from isolated incidents. It’s important to know that there have been changes to the way credit is reported, and we think they’re great. 

Previously, your credit file only showed defaults - where you’ve missed or failed to make payments. These days, it also reflects positive credit behaviours - so all those consistent, timely repayments count toward your credit score, making it easier to repair. This gives us a much more accurate reflection of your current financial circumstances and ultimately presents a more positive lending profile. 

Together, this information helps us make a decision on whether we can approve your fast loans Australia application, how much you can borrow, over how long, and at what interest rate.

It may be that your loan offer isn’t as much as you had hoped for, but a small loan or short term loan can be a great way to get some of those much-needed funds and demonstrate you can make consistent repayments over time. As you do, you’ll also be repairing your credit - making you eligible for higher credit limits and better interest rates over time.   

Ready to apply for fast loans Australia? Jump online and complete your application in just 5 minutes.