Cash Loans Online

Our cash loans application process is 100% online, paper-free, and takes only a few minutes to complete. If you’re applying with us, we know you want your cash now, so you’ll know the outcome of your instant loans application within minutes of submitting it. 

Depending on who you bank with (and as long as you applied during business hours and not over the weekend), your loan funds could be in your bank account within an hour of signing your online loans contract. Now that’s fast cash!

Ozzie Loans are all about smart, fast, responsible lending. Our customers come from all walks of life and very different financial circumstances. That’s why we’re committed to making our products:

• accessible - through online-only applications that require no phone calls or paper; 
• affordable - with low personal loan interest rates and no early repayment charges; 
• adaptable - by individually assessing and tailoring each line of credit to suit the customer; and
• Available almost instantly. 

Whether you’re in need of a cash advance ahead of payday, seeking a travel loan for a dreamy change of scenery, moving house, in need of rent assistance or are ready to DIY your dream home with one of our renovation loans, we’ve got instant loans for everything - from boat loans to bond loans, and even student loans. 

So, if it’s the same day cash loans you’re looking for, apply for cash loans online with Ozzie Loans today.

How much can I borrow?

Ozzie Loans offers cash loans online between $2,100 to $50,000 to approved applicants. 

Unlike other money lenders, we believe in transparency and responsible lending. We’ll never lend you more than you can afford to repay and fully support you throughout the application process so you can borrow with confidence. This means that when you borrow with us, there are no hidden fees or charges. 

It’s important when you’re looking into cash loans online that you have a complete understanding of your personal financial situation and what you can comfortably afford to repay on your unsecured personal loan over time - especially if something unexpected happens.  

Our personal loan calculator is a fantastic tool to help you compare different unsecured personal loan amounts at different personal loan interest rates, over-lending periods of 1 to 5 years. You’ll be able to get an idea of what your monthly repayments will be and make informed decisions like whether you’re in a position to apply for one of our short term loans and reduce the overall interest paid. 

To determine exactly how much you can borrow (and at which of our personal loan interest rate) when applying for one of our same day loans, we assess your employment status and income along with your daily expenses and any existing liabilities (such as other loans or line of credit like a credit card). We’ll also take a quick look at your credit score. 

With personal loan interest rates starting at just 6.25% p.a., our personal loans are among the best in Australia. So even if your credit isn’t perfect, you can feel confident that you’re getting the lowest comparison rate available for your current circumstances. We only offer fixed personal loan interest rates, so you’ll know exactly how much your monthly payments will be for the full duration of your unsecured personal loan. 

What’s more, we don’t charge our customers for making early repayments on their personal loans. Because we believe in responsible lending, we encourage it! Ozzie Loans loves rewarding our good customers, and you may become eligible for lower personal loan interest rates on new cash loans online if our system identifies positive credit behaviours on your account over time.

Where can you get quick cash loans in Australia?

One of the easiest places to get a quick cash loan is from a friend or relative. But this can only work if your friends or relatives have enough money to spare. It may seem like a good option, but the truth is that it is riddled with disadvantages that may make the whole thing pointless. 

Mainstream banks may be another option for you to consider. However, they often require you to have an account with them and be a member for at least six months. You must also prove that your account has been active over that period of time. Another problem with mainstream bank loans is that they require a lot of paperwork that may end up becoming both time-consuming and tedious.

The best option for receiving cash loans Perth is by working with money lenders such as Ozzie Loans. This institution makes it possible for you to register and submit an application online. The approval process is quite fast, and in most cases, you will be able to receive the cash in your account on the same day.

How to get a cash loan online?

Ozzie Loans assesses each application for cash loans online individually and utilises the latest lending technology to access thousands of data points, ensuring the assessment process is fair and transparent. And unlike borrowing with the big banks or other money lenders, we don’t mess around with uploading payslips and endless other supporting documents. Everything we need is already available online. No phone calls, no fuss - just fast loans. 

To be eligible for one of our personal 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. 

Applying for one of our cash loans online is fast and easy. When you’re ready, simply visit the Ozzie Loans website and hit ‘Apply Now’. 

We’ll ask you about what amount you’d like to borrow between $2,100 to $50,000 and over what period of time (between 1 - 5 years). After this, you’ll need to tell us about what you earn, your regular expenses, and any other debts or line of credit you might have, e.g. a credit card. We’ll then perform a check of your credit score to confirm all liabilities have been declared. 

It’s important to know that things have changed around how your credit score is calculated. Previously, only negative credit behaviours were tracked, such as where you may have missed a bill or repayment on a line of credit. 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, it’s recorded on your credit file. False declarations or multiple lines 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. 

As a final step in your application for one of our cash loans online, we’ll obtain secure, read-only access to your bank statements to verify the information you gave us around your income and expenses. 

You’ll have a response to your loan application within minutes, and depending on who you bank with, the cash in your account by the close of business day. Easy.