• hello@breezyloans.com.au.

Consumer Loans From $5000 to $50,000 With Breezy

Have you ever found yourself searching for consumer loans but you have no idea where to start? You’re not the only one. When you need a loan, you don’t always have time to spend countless hours or even days looking for a suitable lender.

Whether you need to get your hands on a personal loan, bad credit loan or even a consumer loan, Breezy Loans can help you get the cash you need, without the hassle. We’re a 100% online lender that specialises in small loans between $300 to $2,000, and we’re here to help. Take a look here at everything we can do for you.

Why choose Breezy Loans?

We’re called Breezy Loans for a reason. Applying for a Breezy consumer loan is designed to be as easy as possible. All you need to do is fill in a quick online form, which should only take a couple of minutes.

Our application is 100% online and can be completed from almost any device, be that a laptop, tablet or smartphone. Once we have your application our team of experts will assess your application and get back to you with your outcome as fast as we can - often within 60-minutes if you apply during business hours. It’s as easy as that.

What are consumer loans?

A consumer loan is a type of personal loan that is given to ‘consumers’ that is designed to help pay for or fund specific activities. In other words, a consumer loan is any type of loan made to a consumer by a creditor.

They are often referred to as simply personal loans. A consumer loan can be both secured (a loan that is backed by the assets of the borrower) or unsecured (a loan that is not backed by the assets of the borrower). There are many types of consumer loans available, however, the most common types of consumer loans are – mortgage, car or vehicle loans, education loans, personal loans, medical costs loans or a refinancing loan.

Who can apply for a consumer loan?

● Are you an Australian citizen or permanent resident?
● Are you at least 18 years or older?
● Have you had regular income or Centrelink benefits for the past three months?
● Do you have a mobile number and an email address that we can contact you on?

And that’s it! No complicated hassles or loops to jump through; if you tick each of those boxes, you can apply for a consumer loan today. Submit your application now and our team will get back to you ASAP.

Apply Now!

Our consumer loans are great options for anyone looking for a quick loan application and even quicker cash. Apply today and see just how easy it is to work with Breezy Loans. For any more questions, get in contact with our team today. Otherwise, if a consumer loan looks like it would be right for you, apply with Breezy today!


Can I apply with bad credit history?

Having some bad credit history can make it exceedingly difficult to get approved for a loan by many traditional lenders. 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 history, so having bad credit is by no means a deal-breaker. History and circumstances happen to anyone, and Breezy doesn’t believe in penalising people for them. We’d rather take a look at your overall financial position and make a decision from there.

As a responsible lender, we undertake a comprehensive assessment of every application that we receive and won’t make a snap decision based only on your credit score. You can be sure that when you apply with Breezy Loans we’ll give you the fair go you deserve.

Why was my application declined?

As much as we would love to, we can’t approve every consumer loan application that we receive. Unfortunately, there are instances where we are unable to approve a loan application and therefore, we can never guarantee approval. There could be any number of reasons why we might decline your application. Instances such as being over-committed, being in default to another lender or simply not having enough available funds to comfortably meet payments can impact your application.

If we don’t think we’re the perfect fit for you, we’ll work as a lender-finder instead at no extra charge! What this means is we’ll pass along your application to our network of alternative lenders in case anyone else can help. Don’t panic — not only is our network trustworthy, but we also use only the latest in secure-banking technology to handle your details. If another lender is found, we’ll let you know, and you can make the rest of your consumer loan journey with them.

Can I apply again if I am not successful this time?

While we may not be able to approve your application this time, that doesn’t mean we won’t be able to approve you in the future. We always invite our clients to apply again in a few months when your financial situation may have changed as you never know when we will be able to give you that yes you are looking for.

How long do I have to pay it back?

The amount of time that you will 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.

How do I make repayments?

We like to keep everything quick, easy and breezy, so 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.

Frequently Asked Questions

    To be eligible for a Breezy loan you simply need to be:
  • (a). 18 years of age.
  • (b). An Australian citizen or permanent resident.
  • (c). Receiving a regular income in a personal account for at least three months.
  • (d). Able to provide an active mobile number and email address.
  • (e). We may require some extra info once you apply; however, don’t worry, we’ll let you know!

Payday loans are loans that work around your pay schedule. Payday loans are typically unsecured, short-term loans and are usually paid off by your next pay cycle. Personal loans come with a higher term and amount. A security may also required for loan amount more than $5000.

No, we don’t offer payday loans Australia. We do, however, offer flexible loan terms, in line with responsible lending practices.

Yes! We welcome all applicants, no matter what your finances say. We can’t promise to help everyone, but we are more lenient than traditional lenders. So, if you have bad credit, why not apply and see if we can help you.

Yes! If you receive Centrelink payments you may have been knocked back by traditional lenders. However, our team of lending specialists classify Centrelink as regular income as long as you’ve been receiving the payments for at least 3 months.

That’s easy – nothing! Our loan service is 100% paperwork-free. So, no need to worry about submitting any paperwork. We’ll simply ask for your bank account, MyGov and employment info. Don’t worry, it’s nothing scary. We use your bank account and MyGov info to access a read-only copy of your statements, so there’s no need for you to submit any documentation! Breezy, right?

In some cases, we may need to contact your employer. Typically, we do this for new customers, and our team of lending specialists are always discrete and respectful. So, there’s nothing to worry about.

Yes, as part of our responsible lending practices, we do conduct credit checks. However, don’t let this deter you from applying for quick cash.

Applications can be submitted 24/7 via our website; however, our team needs their rest too, so we’ll begin assessing during our office hours.
Office hours:
Monday to Friday – 10:00 AM to 05:00 PM
Saturday & Sunday – Closed
If you apply outside of these hours, you can expect an outcome from our team of loan specialists on the next business day.

Rather than ask “how much can I borrow” ask how much do you need. We want to help, so firstly apply for what you need, and we’ll do our best to bring you a positive outcome. You can borrow from $2100 to $70,000.

Yes, absolutely! We are online lenders that use the latest in safe banking technology to ensure we assess your loan accurately and (most importantly) quickly!

If you’re approved, congratulations! We’ll send you a loan contract, and once you’ve signed on the dotted line, we’ll transfer your cash directly. Apart from your weekly, fortnightly, or monthly repayments, you don’t need to worry about a thing. If you have any questions regarding your current loan, email us at hello@breezyloans.com.au.

First off, we’re sorry you’ve been unsuccessful this time around, but there’s always a next time! We may have said no this time, but we won’t say no forever. You can re-apply after 90 days, and we’ll re-assess your application.

At Breezy, once your loan is approved, we’ll set up a direct debit with your bank account. So, your repayments will automatically be deducted from your account – completely seamless! What a breeze.

We understand that life happens and sometimes you may need to tweak your repayment schedule. If you do, that’s fine, just let our team know at least 24 hours before your next repayment.

Yes. Unfortunately, if you miss a repayment, we will debit your account $27.50. Therefore, to avoid any nasty fees, make sure to have your repayments ready to go in your account before they’re due.

Of course! At Breezy, we believe in flexible loan terms. Therefore, if you find a stroke of luck and you’re able to pay your loan off early, do it and save yourself the interest.

We want our customers to be happy! So, if you have an issue with our service, please feel free to lodge a complaint by emailing us at hello@breezyloans.com.au. We’ll be glad to address any problems or questions you have about our loan service.


Searching for a breezy, personal loan?

Apply for $2100 to $70,000.

Look no further than Breezy Loans for quick finance topped with top-notch
customer service and loan specialists who get it.

Rates & Costs

Medium Personal Loan

Loan Amount
$2100 - $4800

Loan term
12 months - 24 months


  • 1. Maximum Interest rate: 45.99% p.a.
  • 2. Comparison rate: 37.10% p.a. to 65.70% p.a.
  • 3. Loan Type: Secured & Unsecured
  • 4. Establishment Fee: $400

This comparison rate is based on $3600 over 12 months. These are secured and unsecured loans, so lender might ask for security as well. The minimum loan term is 12 months and maximum loan term is 24 months or more.

These are estimated rates only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change.


Personal Loan

Loan Amount
$16,000 - $70,000

Loan term
12 months - 5 years*

  • 1. Interest rate: 14.2% p.a.
  • 2. Comparison rate: 14.65% p.a.
  • 3. Loan Type: Secured & Unsecured

These rates are an example for a loan of $50,000 if borrowing for a term of 5 years.

Loan Amount of $50,000 over 5 years repayable. A monthly $1,190.60 Repayment at a maximum of 14.64% p.a. Comparison Rate. These are secured loans, so lender might ask for security as well. The minimum loan term is 12 months and maximum loan term is 5 years or more.

These are estimated rates only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change.


content 3

3.Pellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas. Vestibulum tortor quam, feugiat vitae, ultricies eget, tempor sit amet, ante. Donec eu libero sit amet quam egestas semper. Aenean ultricies mi vitae est. Mauris placerat eleifend leo.