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.
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
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.
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.
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.
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.
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.
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
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.
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
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
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.
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
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
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.
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.
Look no further than Breezy Loans for quick finance topped with top-notch customer service and loan specialists who get it.
$5000 - $15,000
12 months - 36 months
This comparison rate is based on $10,000 over 36 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 36 months or more.
$16,000 - $70,000
12 months - 5 years*
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.
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