Tailored for Employed Aussies

We aim to provide a decision within 60 minutes during business hours. Our smart assessment process reviews your financial situation quickly so you can get the funds you need fast. If approved, you could have money in your account within 60 seconds with instant transfer, or next business day with standard transfer.

To qualify for a Breezy Loan, you need to be employed with stable income, over 18 years old, an Australian citizen or permanent resident, and not currently in financial hardship. You'll also need a valid Australian bank account and a valid form of ID. We don't require you to be on JobSeeker or Youth Allowance.

Breezy Loans offers personal loans ranging from $2,100 to $70,000. The exact amount you're approved for depends on your income, expenses, and overall financial situation. We assess what you can comfortably repay based on your circumstances.

We offer flexible repayment terms to suit your budget. Your repayment schedule will be discussed during your application assessment. We work with you to find a repayment plan that fits comfortably within your financial situation.

We don't conduct upfront credit checks. We assess your overall financial picture — your income, expenses, repayment history, and credit score — to make a fair decision. We only conduct a credit check at the end of the application process, so if you're not approved or withdraw, your credit score won't be impacted.

No! We're transparent about all costs. There are no hidden fees with Breezy Loans. All fees and charges will be clearly outlined in your loan agreement before you sign. What you see is what you get.

Applying is simple and 100% online! Just visit our application page, fill out our quick form with your details, and submit. You'll need your banking information and ID handy. Our team will review your application and get back to you within 60 minutes during business hours.

Repayment is easy! We set up automatic direct debit payments from your bank account on your payday. All you need to do is ensure there are sufficient funds available. No manual payments to remember — we handle it automatically.

Yes, Breezy Loans is an Australian Credit Licence holder and operates under the National Consumer Credit Protection Act (NCCP). We're committed to responsible lending practices and protecting your financial information with the highest security standards.

To apply, you'll need your personal details (name, date of birth, address), employment information (employer, job title, income), and bank statements from the last 3 months. That's it! We don't require tax returns, payslips, or other complex documentation. Our streamlined process means you can apply quickly without the paperwork burden.

Yes, you can apply for a Breezy loan if you receive Centrelink payments. Unlike traditional lenders, we don't automatically exclude you simply because you're on government assistance. We look at your overall financial situation, including your Centrelink income, expenses, and ability to repay. If you have other income sources as well, that further strengthens your application.

Yes! You can repay your loan early without any penalty. If you want to settle your loan early, just contact our team and we'll be happy to arrange it. By repaying early, you'll save on interest charges, which is great for your finances. We want to work with you, so flexibility in repayment is part of our commitment to helping you manage your loan effectively.

If your repayment fails due to insufficient funds, we charge a $27.50 dishonour fee. It's important to ensure you have sufficient funds on your repayment date to avoid these charges and keep your account in good standing. If you're having difficulty making a payment, contact us immediately to discuss alternative arrangements. We'd rather help you find a solution than charge additional fees.

Our interest rates range from 29.9% to 39.9% per annum, depending on the loan amount and your personal circumstances. Larger loan amounts typically attract lower rates. All rates comply with the Australian Consumer Law and National Credit Code. For a personalised rate quote, complete your application and our team will provide you with exact figures based on your assessment.

Yes! We offer various loan products tailored to different needs including cash loans, bad credit loans, payday loans, and installment loans. Each product is designed with flexibility in mind to suit your specific financial situation. Visit our services section to learn more about the loan types available.

Yes, your information is completely secure. We use bank-level encryption to protect all your personal and financial data. Your bank statements are accessed through our trusted partner Credit Sense using secure read-only connections—we never store your banking login details. We comply with all Privacy Act regulations and take data security very seriously.

You can use a Breezy personal loan for almost any legitimate purpose: emergency expenses, medical or dental costs, car repairs, home maintenance, paying off existing debts, holiday expenses, or any other personal need. The funds are deposited directly into your account, so you have complete flexibility in how you use them responsibly.

The soft credit inquiry we perform won't affect your credit score. However, once you're approved and the loan is listed on your credit file, it may have a small temporary impact (as with any new credit). The positive impact comes from successfully repaying the loan on time, which demonstrates to future lenders that you're a responsible borrower.

Yes, if your circumstances change and you need to adjust your repayment schedule, contact our team. We're here to work with you. You'll need to give us at least 24 hours notice before your next scheduled payment to make changes. We understand that life circumstances change, and we're committed to finding flexible solutions that work for your situation.

You can reach us at hello@breezyloans.com.au or visit our contact page. We're available Monday to Friday, 9am to 5pm AEST. If you have questions about your application or existing loan, our team is ready to help. We pride ourselves on responsive customer service and clear communication.