• hello@breezyloans.com.au.

Easy Breezy Payday Loans

Here at Breezy Loans, we take pride in the fact that we are one of Australia’s best, and fastest, payday loan lenders. We understand the importance of being able to get your hands on cash when you need it. We don’t believe in making you wait around for days or weeks for your loan. Instead, when costs such as unexpected medical expenses, costly dental bills or urgent car repairs pop up, we can help you get the cash you need. If you’re not too sure what a payday loan is, how it works or how it can boost your finances, we’re here to break it down for you.

What is a payday loan?

A payday loan is a type of small personal loan or credit contract that is designed to help you through a tough spot or cover unexpected expenses that you don’t have the cash for. It is basically a type of small short-term unsecured loan that is paid back over a set period of time that the lenders determine will fit into your budget. It differs from a traditional personal loan in that it is generally a smaller amount with shorter repayment terms. Payday loans are often quick and simple to apply for and you will often have your answer the same day you submit your application. When people think of payday loans they think fast applications and even faster cash.

What are the benefits of a payday loan from Breezy Loans?

1. Transparent fee structure - Breezy Loans uses a simple and transparent fee structure that is easy to understand. We are always up front about out fees and take pride in the fact that we don’t have any unexpected fees for you to worry about.

2. Easy automatic repayments - we set your repayments up for you so that you don’t have to worry about them. Your direct debit will be set up in line with your payday so that your loan is paid off smoothly with minimal effort on your part.

3. Paperless application - our payday loan application is entirely online, so you won’t have to worry about running around trying to hunt down paperwork or statements.

4. Quick loan payout - once approved your money can be on your account in as little as 60 minutes.

5. Speedy application process - our application process is fast, simple and easy to complete. In fact, it shouldn’t take you more than 5 minutes to fill in and complete your application for a payday loan.

6. Excellent customer service - our team are friendly, professional and excellent at what they do. If you need to chat to us about anything, feel confident knowing that you’re going to reach real people who are happy to help you out.

7. Pay off your loan early - if you want to pay off and finalise your loan early, great! Simply give us a call and we can help you finalise yourloan over the phone. You won’t incur any extra trees or charge for choosing to pay off your loan early.

Who can apply for a payday loan?

Now that you know what a payday loan is, you may be wondering if you are eligible to apply. We want to be able to help as many Australians as possible when they need some spare cash fast. With this in mind, our eligibility criteria are simple. If you can demonstrate that you have the following, you’ll be eligible to submit an application.

  • 1. Be at least 18 years old at the time of application
  • 2. Be an Australian citizen or permanent resident
  • 3. Have a personal email address and mobile phone number that we can contact you on
  • 4. Have at least 3 months worth of banking history in your personal bank account If you can say yes to the above criteria, then you can submit an application with Breezy.

Frequently Asked Questions

How are payday loans different to personal loans?

Our payday loans differ from personal loans in a few key ways. These differences are important, and any borrower should be aware of them when they’re deciding if a small payday loan is suitable for them.

Interest and fees

Personal loan interest rates tend to be much lower than those of a payday loan. Payday loan interest rates can vary a huge amount and can sometimes be as high as 43% pa depending on the loan amount you receive. This higher interest rate on a payday loan means that you can end up paying back much more than the principal loan amount you borrowed. This can make a payday loan more expensive than a personal loan.

Applicable charges

A payday lender can add on a lot of fees and charges that a personal loan lender does not. Personal loans, on the other hand, will often have fixed fees and charges.

Borrowing amount

The amount that you can borrow varies greatly as well. Personal loans can sometimes be upwards of $50,000. A payday loan, on the other hand, will usually be for amounts of between $300 and $2,000. This is a significant difference in borrowing capacity and can be the deciding factor for many people on whether or not to apply for a payday loan or a personal loan.

How much can you borrow on a payday loan?

The amount that you can borrow will depend on a variety of factors. Different lenders may offer loan amounts up to certain amounts, but as a general rule of thumb, a payday loan can be anywhere from $300 up to a maximum of $2,000. You will also be assessed when you submit an application to see how much you can comfortably afford to repay. This is to ensure that you are not overcommitted and unable to afford the repayments.

Can I get a payday loan if I have bad credit?

Many lenders are fairly flexible in their lending criteria and believe that everyone deserves a second chance. Rather than giving you an instant no, many payday loan lenders will instead conduct a thorough assessment of your application as well as take your credit history into consideration. They utilise your entire financial situation to make an informed decision about your loan application

Will a payday loan affect my credit score?

Whether or not a payday loan affects your credit score will depend on a number of different factors. If you have been shopping around for credit or loans and have submitted multiple applications to lenders who may have credit checked you, this can negatively impact your score. Too many applications in a short span of time is an indicator that you may be going through some financial distress and can cause your score to go down. To avoid impacting your credit score too much try to decide on just one or two lenders before submitting an application.

If you fail to repay your loan or are constantly missing your repayments, your score can also be negatively affected. Positive credit reporting means that all of your financial behaviour, such as your repayment history, will contribute to your credit score now. This is great if you're up to date on your repayments, however, it can also show those missed payments. Be sure to keep up to date with your payments to keep your credit score in good condition.

What can a payday loan be used for?

A payday loan can be used for a variety of reasons. They’re designed to be flexible, fast and convenient, to help you out when you need it most. If you need a short-term loan to cover for reasons like Medical costs, Dental costs, Vet bills, Car repairs, Funeral costs and many more. Generally, payday loans are considered a great option due to the fact that they can be utilised for almost any need.

Before you sign any contracts it’s important to make sure that you know all of the fees and charges applicable to the payday loan product that you have been offered. Be sure to read your contact thoroughly before signing it to ensure you aren’t going to get surprised with any unexpected fees.

Are payday loans a good idea?

Payday loans can certainly be a good idea if you need a bit of cash, fast. A payday loan can provide you with the spare cash that you need, to see you through tough times. They’re much easier to apply for than a traditional personal loan and the cash can be in your account within 60 minutes or overnight. This is great for when you need to pay for something unexpectedly and don’t have the time to wait days or weeks for traditional lenders to make their decision.

Payday loans are also flexible. They’re short term loans that can be paid off early if you want to finalise your loan before it’s due to end. Many lenders will allow you to pay your loan off early with no extra fees which can help you save some cash on interest charges.

Quick online applications make payday loans convenient, fast and easy to apply for. This is perfect when you need cash, fast.

Ready to apply for a loan?

If you’re in need of a payday loan to get you through some unexpected expenses or to cover a big bill that you don’t have the cash for, we can help. Simply submit a quick application now and get your outcome before you know it. You could have cash in your bank in as little as 60-minutes after approval.

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.


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