No Paperwork Loans

Because we’re a fully mobile lender, you can apply for our cash loans from anywhere in Australia, at any time.  Applications for our online loans only take a few minutes, and you’ll know the outcome in the same. Depending on who you bank with, if you’re approved during business hours, you’ll have access to your cash the same day you apply. 

Modern money on the move

Ozzie Loans customers choose our no paperwork loans for any number of personal reasons, but we know one of the biggest attractions of our loans is because they’re fast.

We save our customers valuable time - and paper! - by operating as mobile money lenders. By working exclusively in the ether, our fast cash application turnaround process is the quickest in the business. No paperwork loans mean no printing, no scanning, no requesting and waiting for the last three months’ payslips from your employer - with Ozzie Loans, you can apply for and manage your cash from the convenience of your device. 

We offer easy finance between $5,000 and $50,000 at some of Australia’s most competitive interest rates - starting at just 7.95%.  We offer no paperwork loans, which are:

• Unsecured, you won’t require a significant tangible asset, like a house or car, to offset any risks associated with lending money to you. 
• Fixed-rate, meaning you’ll know exactly what your repayments and the interest accrued over the duration of your loan will be.
• Fast, with same-day cash transfers for most successful applicants who apply during business hours. 

Ozzie Loans’ fixed rate loans are also incredibly flexible. We believe in responsible lending, and that means empowering and rewarding our customers. Unlike other money lenders, we don’t penalise our customers with additional charges or termination fees for making early repayments on their fixed rate personal loans—we encourage it! 

We’re strong advocates for responsible lending and want to be sure you don’t find yourself under financial duress by borrowing more cash than you can comfortably afford to repay. Before you apply, spend a few minutes with our nifty online loan calculator. You’ll be able to compare different loan terms and amounts and get a good feel for what a monthly loan repayment that fits comfortably into your budget—including accounting for contingencies—looks like. 

But should life throw you a curveball and you suddenly find yourself struggling to make your usual repayments, we’re here to help. There might be extra fees over time, but we’ll be upfront with you about all costs and help you get back on your feet with a suitable monthly repayment plan. 

How do you get a loan without any paperwork?

You can get one of our no paperwork loans by applying online, of course!

Ozzie Loans utilises the latest secure lending technology to manage our loan applications and active loans. This means we can verify all the financial information we need online. All you’ll need to apply with us are 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. Easy!

To be eligible for any Ozzie Loans finance product, you’ll need to be at least 18 years of age, employed (or self-employed) with a demonstrable steady source of income, and an Australian citizen or permanent resident. 

First up, we’ll ask you about how much money you’d like to borrow for your loan and over how long. After that, we’ll ask you to tell us about your income and employment, regular living expenses like rent or mortgage repayments, utility bills, subscriptions, insurance and groceries—as well as any liabilities like credit cards or other loans. 

As a part of our assessment process, we’ll also take a look at your credit history. There have been changes previously in the way that credit is reported and recorded, and we’re big fans. Whereas previously, your credit file only reflected any rough spots, such as where you missed a bill or defaulted on a line of credit, the new, comprehensive method of credit reporting allows us also to see all your regular, on-time repayments, creating a much clearer, fairer, and more positive borrower profile.

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 loan 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 for one of our no paperwork loans.

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