Rating based on 16 reviews

Oz Money

  • Short-term loans up to $15,000
  • Low-interest starting from 48%
  • Repayment up to 24 months

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Oz Money homepage
Author Oz Money. Screenshot of Oz Money website.
[Accessed May 2, 2023]

Oz Money - Get your finances on track

OZ Money allows you to take complete control over how you borrow money.

You set up your own short-term loan, from the amount you would like to borrow to how long you need in order to pay the loan back. Applying online is so simple and only takes a few minutes of your time.

Borrow up to $15,000

If your quick loan application is approved, they will transfer the funds into your bank account on the very same day. If you need to borrow money they grant loans up to $15, 000 so that you can pay for life’s unexpected bumps in the road.

Customise your loan

Their knowledgeable consultants are friendly and will guide you through the application process and make sure that they understand your specific needs and requirements in order to advise you on the best-customised loan option.

Loan calculators

Take the guesswork out of applying for a loan by using their online loan calculators. Slide the slider to see how much you want to borrow and how long you need to pay it back. The calculator will show exactly how much you will need to pay and how long it will take.

You can customise your loan to suit your pocket and your circumstances. Once you have decided on your loan terms apply online and they will get back to you with an outcome.

If you have any questions or need help, please give them a call on hello@ozmoney.com.au

Reliable loans when you need it most

Their short-term personal loans allow you to borrow up to $15,000 with as much as 24 months to pay back the money. You customise the loan to suit your needs then send them the request.

They may offer you less than you asked for if they determine that a smaller loan would be more affordable for you. To help make the most out of your loan, they will assist you by making sure that you can afford the loan and only grant it if it’s in your best interest.

They use the latest technology

They use the latest technology Proviso that makes applying for an emergency loan quick and easy. This system allows them to assess your application form very quickly so that they can give you an outcome fast and get that cash into your pocket as soon as possible.

They realise that you need cash now that is why their system is the fastest one around.

Get your cash in 1 hour

It takes only 5 minutes to apply for a short-term loan and if your application is approved, you could have the money in as little as an hour. Now that's fast!

Credit check

To ensure that granting you a loan is in your best interest, they conduct a credit check and contact your employer to confirm employment. If you already have a loan with OZ money you will need to pay back that loan in full before you will be granted another loan.

Oz Money – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 48%
  • Loan Amount up to $15,000
  • Repayment 2 months to 24 months

Benefits of Oz Money

  • Choose your loan amount and repayment terms
  • Apply online within 5 minutes
  • Flexible short-term loans online
  • Convenient repayment terms up to 36 months

Short-term loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This short-term loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Oz Money - Their loans are easy to apply for

Their system is completely online, that means that there is no annoying paperwork. It's free to apply and there is no obligation to take the approved loan.

Can you apply?

You will be able to apply for one of their short-term loans if:

  • You must be an Australian citizen
  • You must be 18 years or older
  • You will need to supply a 90-day bank statement
  • And 2 most recent payslips

They are a responsible lender so if your income is solely formed Centrelink they will not be able to grant you a loan.

Does your business qualify?

OZ Money offers business loans to the amount of $250,000 to 12 months to repay the loan amount.

Your business could qualify if you meet the following criteria:

  • You must have been trading in Australia for at least 18 months.
  • Your turnover must be at least $200,000

Outcome within 24 hours

If you meet these criteria they will perform a credit assessment and give you an outcome within 24 hours.

To apply is completely free and there is no obligation to take the loan. Their contracts are transparent and there are no hidden fees or early repayment penalties.  If your loan is approved the money will be paid directly into your bank account.

Can you apply if you have a bad credit score?

OZ Money does perform a credit check to make sure that you can afford to apply or a loan.

If your credit history is bad they may still be able to grant you a bad credit loan as they assess each application on your individual circumstances so just because you have had financial trouble in the past does not automatically mean your loan application will be declined.

Why would your loan application be declined?

As a responsible lender, they will only grant you a loan if granting the loan does not put you under more financial strain. Your application could be declined if your supporting documents are not clear or show inconsistencies or if you have previously defaulted on a loan before.

If your loan application has been declined, they will help you to understand why and put you in contact with a debt counsellor if necessary or help you clear up the problem if possible.

If your loan application has been declined previously and your circumstances have changed and become better they will reconsider your application.

Is your banking information safe?

To ensure that your banking information remains safe, they use an encrypted 256-bit encryption with 2048 bit keys. Your data is 100% safe as even if it is hacked it can’t be read without the encryption key. They also have physical, electronic and managerial procedures in place to further safeguard your sensitive information and make sure that it doesn’t fall into the wrong hands.

Customer Reviews & Testimonials

Thank you for saving my business. OZ money offered me a business loan when my business was falling.

Isaac G
— Loxton —

One of the consultants who was assisting me was very helpful and knowledgeable.

Levi S
— Milicent —

Fast turnaround time. I was impressed.

Benjamin L
— Mount Gambler —

Oz Money Contact

Physical Address

Opening Hours

  • Monday 08:00 – 19:00
  • Tuesday 08:00 – 19:00
  • Wednesday 08:00 – 19:00
  • Thursday 08:00 – 19:00
  • Friday 08:00 – 19:00
  • Saturday 09:00 – 18:00
  • Sunday 09:00 – 18:00