How to Apply

Breezy Loans is a smart little lender that uses the latest in online banking technology to provide a service that is convenient, user-friendly and fast. We specialise in making small personal loans of up to $2,000 accessible to as many Australians as possible. If we can't match you with one of our loan products, we'll act as a lender-finder, and pass your application on to our network of trusted lenders.

Yes! 100% always and completely online. By keeping our service entirely online, we are able to assess your application securely and quickly. Additionally, our customers won't have to stress about filling out paperwork, or spending hours listening to hold music.

Breezy Loans takes the stress out of applying for personal loans online. To get started, simply fill in our online application form. We only ask for essential information, so this should only take you a few minutes. If you apply during normal business hours, we should be able to get back to you with an outcome within 60-minutes.

To be eligible to apply for Breezy's fast loans online, you will need to meet the following criteria:

• At least 18-years of age;
• Are an Australian Citizen or Permanent Resident;
• Have been receiving a regular income into a personal account for at least 3-months;
• Have an active mobile number and email address.

Be sure to have your mobile, email and banking details handy when you start a new application. Additionally, if you are receiving Centrelink benefits, be sure to have your myGov details handy. If we need any more information, we'll let you know via text and email. So, once you've applied, keep an eye on your notifications.

By law, we are required to obtain the last 90-days of your most recent banking statements. We use this information as both a form of identification and as a platform to assess your suitability. When you provide your online banking details, we use the latest in safe-banking technology to access these statements. This allows our customers to avoid wasting time manually submitting their bank statements.

All your details are secure and encrypted as you enter them. It is not possible for anyone at Breezy Loans to see or access your online banking password.

Yes, Breezy Loans will conduct a credit check on applications for short term loans. This is part of our responsible lending practices. However, we look at more than just your credit score. Breezy Loans also focuses on your current relationship with money. For all loans, we ensure that we only provide an amount that we are sure a customer can reasonably afford to pay back.

Our digital application makes applying for fast loans online very easy. Being 100% online, you are able to apply at any time, seven days a week. We can only, however, manually assess your application when loan specialists are back in the office. Therefore if you apply outside of our business hours, we'll begin assessing your application when we're back in the office.

If you have signed your electronic loan contract by 4:30 AEST (during banking days), we'll begin transferring your funds into your account. On the other hand, if you confirm your contract outside of these hours, your payment will be processed on the next business day. Access to funds will depend on inter-bank transfer times, as well as your own bank's transfer policies. Getting your hands on quick cash loans has never been easier.

All of our small personal loans of $300 to $2,000 will incur:

• A once-off fee of up to 20% of the principal. This amount is built into the repayments;
• A monthly ongoing fee of 4% of the principal. This is charged per month or part thereof, where there is an outstanding balance.
• There may be additional costs payable on your loan if you miss or default on a payment. These will all be outlined in your loan contract.

To find out more, head on over to our costs page.

A direct debit is set up from your personal bank account. From there, your repayments will automatically be deducted, on an agreed upon schedule. Having automatic repayments takes the hassle out of remembering to manually repay Breezy Loans. Once your loan has been repaid, the direct debits will automatically cease.

If you feel you will be unable to afford a repayment on a particular cycle, please get in contact at least 24-hours before its due. If given enough notice, we are happy to reach an alternate payment plan.

Other fees and charges may be applied in the event of a contracted payment being missed or amended. This will be outlined in your loan contract. If you are unsure of anything you have read in your contract, please get in contact before signing.

Yes. If you have been receiving regular Centrelink payments into your account for the last 3-months, we may be able to regard it as income. So, if an unexpected expense has arisen, you could still apply for emergency loans with Breezy.

In certain cases, we may need to contact your employer. Our loan specialists are, however, experts in this process, and will always be discreet and respectful. We will never disclose the nature of our business to your employer.

You can apply for cash advances of between $300 and $2,000. Keep in mind, however, that we may not always be able to approve the amount you apply for, and may offer an adjusted amount. We will never approve a loan we believe you will be unable to reasonably afford.

If we are unable to provide you with a loan product, do not be disheartened. Just because you do not meet our eligibility criteria today, does not mean you will not be eligible in the future.

Additionally, if we are unable to provide you with a loan, we can act as a lender-finder. We will pass your application on to our trusted network of lenders. If one of our lender-partners is able to approve your application, we'll let you know.

We use the latest in safe-banking technology to securely pass your application on to our network of trusted lenders. We work closely with a number of reputable credit providers who, in the event of Breezy being unable to offer you a loan, may be able to.

If we are able to find you an alternative lender option, we'll let you know, and then your new lender will take it from there.

Your details are absolutely safe with Breezy Loans. Our safe banking technology obtains a read-only copy of your bank statements. Your credentials are encrypted as you enter them, and then permanently deleted once we have the information we need. Nobody at Breezy Loans will ever be able to access or view your internet banking password.

This Login link is not to complete the application form. Instead, this link is only for the Approved Customers to access the Loan Contract. Once a customer is approved, we do send a password and login id to access this link. The customer can view the contract, save it and if accepted the terms and conditions of the Loan Offer. We can fund the loan at the earliest.

We use third party payment gateway to process the direct debit from our customers’ bank accounts. So if Ezidebit is appearing on your bank statement it means when we offered you a Loan Contract, you would have given us authority to direct debit your bank account through Ezidebit. However we can also use different Payment Gateway but, we will inform you before entering into the Credit Contract the mode of payment direct debit we will use to process your loan repayments when due. For more info, please read your Credit Contract. So make sure you have saved a copy of your Loan Contract and Credit Guide which have some serious information for you.

On the top right hand side of home screen, there is a link of login. Here you will have access to information on all your existing Breezy Loans , including payment amounts and dates , outstanding balances , and your statements . You can also view and download all your loan agreement documents.