100% Online Personal Loans
Borrow from $5,000 to $70,000
Personal loans designed for flexibility and accessibility
A consumer loan is any type of personal loan given to 'consumers' and designed to help pay for or fund specific activities. Often called personal loans, they can be secured or unsecured.
Mortgages, car loans, education loans, personal loans, medical cost loans, and refinancing loans. We focus on unsecured personal loans up to $70,000.
Funds are deposited directly into your account, giving you complete flexibility in how you use them. No restrictions on legitimate personal purposes.
Professional loan solutions designed for Australian borrowers
Fill in our quick application in just a couple of minutes. Complete it from your laptop, tablet, or smartphone—100% online process.
Our experts assess your application quickly. Get your outcome within 60 minutes during business hours with fast expert decision making.
Borrow from $5,000 to $70,000. Choose the amount that fits your needs and circumstances with customized repayment options.
4 simple steps to get your funds
Consumer loans are designed to be flexible and accessible. Unlike traditional bank loans that require extensive paperwork and lengthy approval processes, Breezy consumer loans are quick, simple, and transparent.
We assess your complete financial picture to determine if you're a good fit, rather than relying solely on credit history. Once approved, funds are transferred directly to your bank account, giving you immediate access to the cash you need.
Whether you need to consolidate debt, cover emergency expenses, or fund a major purchase, consumer loans offer flexibility with predictable repayment terms customized to your situation.
Fill out our simple online form in just a few minutes
Our team reviews your full financial situation and circumstances
Receive approval or alternative options within 60 minutes
Money deposited directly to your account within 24 hours
Making Responsible Borrowing Decisions: Consumer loans offer financial flexibility, but they should be used wisely. Only borrow what you genuinely need and can comfortably repay. Calculate your monthly repayment and ensure it fits within your budget without overextending your finances.
Building Your Credit Profile: When you successfully repay a consumer loan on time, you're demonstrating financial responsibility to credit agencies. This positive payment history can help improve your credit score and open doors to better financial opportunities in the future.
Disclaimer: Consumer loans should be considered carefully as part of your overall financial plan. Only borrow what you can genuinely afford to repay. If you're unsure about your borrowing capacity or struggling with debt, consider speaking with a qualified financial advisor for personalized guidance.
Getting approved is straightforward
You must be an Australian citizen or permanent resident with a valid form of ID. We lend to Australians across the country.
You must be at least 18 years old. We lend to working Australians of all ages who meet our simple criteria.
Regular income for past 3 months, valid mobile number and email. That's it! No complicated hassles or loops to jump through.
Everything you need to know about consumer loans.
Yes! Having some bad credit history can make it difficult with traditional lenders, but we're different. If you meet our simple application criteria, you can apply for a consumer loan with Breezy, even if you have bad credit history.
We look at more factors than just your credit score. We assess your overall financial position and don't believe in penalizing people for past circumstances. As a responsible lender, we undertake a comprehensive assessment and will give you a fair go.
If your application is declined, it could be due to being over-committed, being in default to another lender, or not having sufficient funds to comfortably meet payments.
If we don't think we're the perfect fit, we'll work as a lender-finder at no extra charge! We'll pass your application to our network of alternative lenders in case anyone else can help. We use the latest secure-banking technology to handle your details safely.
Absolutely! While we may not be able to approve your application this time, your circumstances may change over time. We always invite our clients to apply again in a few months when your financial situation may have improved.
The amount of time you'll have to pay back your consumer loan will be tailored to your personal financial situation. Generally, our assessment team will recommend anywhere from 3 to 12 months to pay back your loan. This will be determined in the assessment process and laid out in your contract.
We set up direct debit payments from your account when we set up your loan. These repayments will be automatically deducted from your account on your payday so you won't have to worry about doing anything.
These repayments will also automatically finish as soon as you've finalised your loan. That way, there's no effort on your end.
Consumer loans are flexible. Once you've received your funds, you can use them for almost any legitimate personal purpose. Whether it's home improvements, consolidating debt, emergency expenses, vehicle repairs, holidays, or any other need - the choice is yours.
The funds are deposited directly into your account, so you have complete control over how you use them responsibly.
Get approved quickly and access the funds you need. 100% online, no hassle, no surprises.
Apply Now