Personal Loans Sydney

We have endeavoured to give our customers a straightforward and fuss-free digital application process so that everything works smoothly and intuitively in your favour. We've decided to skip usual personal loans processing requirements like calling your employer, asking about your story, and doing heaps of paperwork—sometimes, we even skip calling you. We love to keep things to a minimum, such as our quick low doc application, while still assessing applications thoroughly. Consider applying today for an express loan or a virtual credit card with balances up to $20,000, and experience how convenient our personal loans Sydney services are.

What do you need to apply for a personal loan in Sydney?

Our application process has been programmed to be convenient for all Australians, no matter their address. It only takes minutes to submit and is done entirely online. Once you've decided on a cash loan service, you'd like to apply for, simply complete the application on your mobile device or desktop. Since we only require a few essential details, you don't have to worry about preparing a bunch of files. The only ones we ask for are your identification and online banking information to begin verifying your application. We are able to verify personal loans Sydney applications with very minimal documentation through illion’s bank-level encryption software. No one receives access to your account. The only thing we get is a read-only PDF file of your 90-day transaction history, which is sent straight from your banking platform. In it, we see your income details and expenses and everything else necessary to get your personal loan approved the same day you apply with us.

We tap into the power of technology so you can apply for a fixed-rate loan in a matter of minutes. Easily submit your application during our business hours and possibly get approval within an hour. If you're satisfied with the personal loan offer we've sent you, all there is left for you to do is sign your online cash loan contract and send it back to us so we can quickly make the money transfer into your account. Many customers say that they get the funds they need within 24 hours of their application. That's Ozzie Loans for you — easy, pain-free, quick finance. We deliver on our promise.

How much can I borrow with a personal loan?

Our personal loans Sydney options at Ozzie Loans are available for balances starting at $5,000 to $50,000, giving you an idea of the range we can help you with. It doesn't matter if you're in search of a short term or long term cash loan. We have options that can cater to your unique needs. Do you need funds for a temporary financial circumstance? Perhaps you need funds for the costly medical procedures for a loved one? We can help you.

We are an all-in-one service for those who need instant financial assistance minus the need to go to a physical building. Our operations and communications are done entirely online for your ease and comfort, no matter where you are. We simply provide quick cash to those who just cannot be bothered to do lengthy forms or phone calls.

Can I increase my personal loan amount?

While our personal loan Sydney services do not offer the option to redraw from an existing loan, we have other ways you could opt for, such as refinancing a personal loan or getting a loan to consolidate debt. The latter is a great way to organise your finances and get small bills cleared up. You could apply for a new fast loan and have the balance of your current loan with us included in the amount of whatever it is you need funds for. We have a personal loan calculator that you can use before applying to ensure that you'll be able to afford your new amount.

If you’re not too keen on trying our personal loans Sydney option and are in search of more flexible terms, Ozzie Loans offers a revolving line of credit.

We know that deciding which service to apply for can be tricky, so let us ask you this question — what will you be using the money for? If you’re considering our personal loans Sydney option, you will get a lump sum amount that you'll be free to distribute and use as needed. The great thing about a line of credit account is that you can create new credit every time you repay your balances fully or even just partially. You cannot do this with a personal loan since there is no redraw facility available for this option. It doesn't matter if it’s a small express loan or a bigger balance; redrawing from an existing loan is simply not possible.

Our line of credit account allows you access to revolving credit that you can constantly draw from as you repay your balances. This makes it great for both general and unexpected expenses and temporary financial humps between pay periods. A line of credit gives you the flexibility you need, along with the peace of mind, seeing that you have access to a resource that you can draw from if you ever need to.

You’ll be glad to know that our personal loans Sydney and line of credit accounts have similar application and approval processes. It only takes minutes to do online, and before you know it, you've already received an answer from us. Once you get your online contract and are happy with it, simply sign it to get your personal loan funds or your pre-approved line of credit balance. From there, you can conveniently access and manage your account on your phone, wherever you are.

How does a personal loan affect your credit?

Any time a person takes out a loan, it reflects on their credit file. Credit scores are generated depending on how much credit a person already has while also factoring in other aspects such as previous credit history. The good news is, you don't need to be too concerned if your credit history isn't as ideal. At Ozzie Loans, we understand that your credit file is not the whole picture of your financial experience. Changes have been made in the way lenders look at credit files nowadays. Now, we get a better sense of your credit activity through your 24-month credit history, as well as what you may have done to rectify any issues and get on top of debts.

Applying for our personal loans Sydney service will inevitably affect your score as it modifies your affordability for each additional credit product. As long as you stay on top of your finances and you haven't taken out more than your ability to repay the credit, then this will reflect on your file as well. We always recommend paying back credit in a timely manner to keep your credit file desirable for the future.

If you’re looking to apply for a quick loan in Melbourne, Brisbane or any other region in Australia, Ozzie Loans is your one-stop solution. Apply now!