Easy, Breezy Loans.
For quick, breezy finance.
- $2100 +




The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. This comparison rate is based on a small amount credit contract of $1,000 repaid over 6 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

How to Apply

Finding fast loans online doesn't need to be a grind. Instead, get to know the Breezy difference.

Apply Online
Our 100% online process has been designed to be as streamlined and user-friendly as possible. You'll be able to breeze through our application form in minutes and be on your way to finding quick cash loans in no-time.
We Get To Work
During our regular business hours, we'll do our best to get back to you with an outcome within 60-minutes of applying. We may, however, get in contact to ask for a little more information. So, kick back and keep one eye on your email and texts.
Easy Cash
If you are approved, we'll get to work transferring your cash directly into your nominated bank account. Transfer times may vary, depending on how your bank handles transfers like these. At the latest, expect to see those dollars in your account by the next business day.
Who Can Apply?

To be eligible to apply for our small personal loans, just make sure you meet our basic eligibility criteria:

  • 1Must be at least 18-years old;
  • 2Be an Australian citizen or permanent resident;
  • 3Be receiving a regular income into a personal bank account for 3-months;
  • 4Have an active mobile number and email address.

Can you say 'yes' to all of them? Too easy! Scroll up to our short term loans calculator to get started.

Fast Finance Online Made Easy

Breezy Loans is here to change the way Aussies access personal loans online. See, we aren't here to offer a payday loan with hidden fees and dodgy terms. Instead, we offer small personal loans without the nonsense. We're here to accommodate all Australians, bad credit and all! So, fill out our application form, and you'll be on your way to quick cash loans in no-time.

We Go Into Bat For You or By Your Side From Start To Finish

We'll always do our best to match you with the loan product you're looking for. Even if you are receiving Centrelink or have bad credit, we'll do our best to focus on the positives. If unfortunately, we can't help you out this time, our job isn't finished. If Breezy Loans is unable to match you with a loan product, we'll try to get in contact with our network of lenders and find you someone who can - completely free of charge! That's our breezy promise.

Your Friendly Neighbourhood Lender

Breezy Loans was started by Aussies, for Aussies. Our team of loan specialists knows what it means to live in Australia today. So, whether you're looking for emergency loans, or simply cash advance loans give your wallet a boost, we're here to help. Breezy Loans is a breath of fresh air in the short term loans game.

What do we need from you?
  • Your basic personal details.
  • Your contact details (phone & email id).
  • Loan requirements and purpose.
  • Employment details.
  • A read-only online e-bank statement to process your loan application. (Not a downloaded soft copy)
  • Your consent to check your identity by using government compliance secured data systems. To avoid frauds and boost up application processing, it is a must needed step.
  • Your consent to send you text messages and reminders. We do need it to keep you update with your loan repayments and payment confirmations.

(To Go Green and Save Green, our process is 100% online. We do not ask for hard copies of your information.)

Rates & Costs
Medium Personal Loans
Loan Amount:
$2100 - $5,000
Loan Term:
3 Months – 12 Months
  • A one-off $400 as an upfront establishment fee.
  • Under the current legislation, security is required for these loans.
  • In APR terms, the maximum annual percentage rate on these MACC loans is 65%
Loan Amount of $2,500 over 18 months repayable (73 weekly repayments). $2,500 Principal Amount + $400 (One-off Establishment Fee) + Approx. $45 Weekly Repayment at a maximum of 65% Annual Percentage Rate. These are secured loans, so lender might ask for security as well. The minimum loan term is 3 months and maximum loan term is 24 months.

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.

Make fast finance a breeze.

Forget Swimming With The Sharks - Make Life Easy With A Breezy Loan

Become An Affiliate

Breezy Loans Pty Ltd ABN: 29 627 702 943, Credit Representative Number 514197 provide credit services under Australian Credit License number 389610. If we could not provide you credit, we will help to match your credit enquiry with another lender partner from our panel of lenders who we think may help you. Our panel of lender partners are licensed and follow responsible lending practice. We may receive referral fee (amount not ascertainable) if you decide to go with them once approved. However, they may ask you further information to assess your loan application where you can deal directly with that lender.The information on this website is general in nature and does not take into account your objectives, financial situation or needs & does not constitute any financial advice.We strongly recommend you take independent advice before choosing any loan product.

Your Consent For Identity Check

By accepting these terms and conditions you give your consent to Breezy Loans Pty Ltd and Installment Loans to disclose your name, residential address and date of birth to a credit reporting agency and ask the credit reporting agency to provide an assessment of whether the personal information so provided matches (in whole or in part) personal information contained in a credit information file in the possession or control of the credit reporting agency to assist in verifying your identity for the purposes of the Anti-Money Laundering and Counter-Terrorism Act 2006.The credit reporting agency may prepare and provide Breezy Loans Pty Ltd with such an assessment and may use your personal information including the names, residential addresses and dates of birth contained in credit information files of you and other individuals for the purposes of preparing such an assessment. If you disagree with having your identity verified by a credit reporting agency, please select another data source or contact Breezy Loans Pty Ltd so that we can discuss other options with you.


*Instant transfer is available to PayID holders with participating Australian financial institutions. Most of the payments are typically settled in under 60 seconds but may be subject to checks and holds at the sending or receiving bank. As the reason, our standard payment transfer time is 24 hours.