Not every financial need requires a massive loan. Breezy Loans offers small personal loans starting from $2,100 — the minimum amount we offer — up to $10,000. Straightforward terms, clear fees, and a 100% online process that takes minutes.
Representative only. Max 65% p.a. APR. $400 est. fee. Security may be required. NCCP Act applies.
Not every financial situation calls for a large loan. Sometimes you just need a manageable amount to bridge a gap, cover an unexpected bill, or handle a small purchase you weren't planning for. That's exactly what our small personal loans are designed for.
Our minimum loan amount is $2,100, and our loans go up to $10,000. We offer flexible repayment terms of 3 to 36 months, meaning you can choose a term that keeps your repayments comfortable — whether that's a shorter, cheaper term or a longer, lower-payment option.
The entire process is 100% online. No branch visits, no printed forms, no appointments. Just a short application, a fast assessment, and funds in your account — usually within 24 hours of approval.
Apply for a Small Loan
Borrow only what you need and can comfortably repay. Here's a guide to choosing the right amount for your situation.
Security is required for all loans over $5,000. Use our calculator above to see estimated repayments for any amount.
Simple, transparent, and designed around you — here's what makes Breezy Loans different for small personal loans.
A single $400 establishment fee and a maximum 65% APR. No monthly fees, no annual fees, no surprise charges. Every cost is shown clearly in your contract before you sign.
Apply during business hours and our team aims to give you an outcome within 60 minutes. Funds are typically in your account within 24 hours of signing your contract.
The entire process — from application to contract signing — happens online. No paperwork to print, no branch to visit, no fax required. Works on any device, any time.
We look at your full financial picture — income, expenses, and repayment ability — not just a credit score. Regular Centrelink payments also considered.
We hold ACL 389610 and operate under the NCCP Act 2009. We only approve loans we're satisfied you can afford — no debt traps, no irresponsible approvals.
Can't get approved directly? We'll refer your application to our trusted lender network free of charge. We're not done until we've done everything we can to help.
Personal loans give you the freedom to cover whatever expense you're facing. Here are the most common reasons Australians borrow from Breezy.
Four steps. A few minutes. Funds typically within 24 hours of approval.
Use the calculator above to estimate your repayments, then complete our short form. Takes just a few minutes from any device, any time.
During business hours, our loan specialists review your application and aim to give you an outcome within 60 minutes. We'll reach out if we need anything extra.
Approved? We'll send your digital contract with all terms, fees, and repayment schedule clearly laid out. Review and sign in seconds — no printing required.
Sign before 4:30 PM AEST on a banking day and we initiate the transfer the same day. Typically in your account within 24 hours — dependent on your bank.
Our eligibility criteria are simple, fair, and designed to include as many Australians as possible. Say yes to all four and you're ready to apply.
| Minimum Loan | $2,100 — our minimum loan amount |
| Maximum Loan | $10,000 |
| Loan Term | 3 months to 36 months |
| Establishment Fee | $400 one-off — built into repayments |
| Max Annual Rate | 65% per annum |
| Application Fee | Nil — free to apply |
| Security | May be required for loans over $5,000 |
Borrow $2,100 over 12 months (52 weekly repayments): $2,100 + $400 establishment fee at max 65% APR — approximately $55 per week.
Warning: This comparison rate applies only to the example given. Different terms, fees or amounts may result in a different rate. Breezy Loans Pty Ltd | ABN 29 627 702 943 | ACL 389610. Full rates →
Borrowing can be expensive. Consider all options first. For free financial counselling call 1800 007 007. Visit MoneySmart.gov.au.
Everything you need to know before applying.
Small personal loans from $2,100 with clear fees, flexible terms, and a 100% online process. Apply in minutes with Breezy Loans.
