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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

Can I apply if I receive Centrelink benefits?

Yes, you can apply if you receive Centrelink benefits. While many traditional lenders may not give you the time of day if they see that you receive Centrelink benefits, many smaller neo lenders are happy to receive applications from individuals who receive Centrelink benefits. Regardless of whether Centrelink is your entire income or part of your income, submit an application today and see if Breezy can assist you.

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.

What kinds of fees are there?

Payday loans will have specific fees associated with them. Generally, you can expect to pay an establishment fee of approximately 20% as well as a monthly fee of around 4% of the principal amount borrowed. Some lenders will have other fees such as same day deposit fees or account keeping fees. There will also be fees for missed or declined repayments.

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?

f 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.

Searching for a breezy, personal loan?

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

Breezy Loans Pty Ltd ABN: 29 627 702 943, Credit Representative Number 514197 is licensed and provide credit services under Australian Credit License 389610. If we could not provide you credit, we will help to match your credit enquiry with another lender partner from our panel of lenders who we think may help you. Our panel of lender partners are licensed and follow responsible lending practice. We may receive referral fee (amount not ascertainable) if you decide to go with them once approved. However, they may ask you further information to assess your loan application where you can deal directly with that lender.The information on this website is general in nature and does not take into account your objectives, financial situation or needs & does not constitute any financial advice. We strongly recommend you take independent advice before choosing any loan product.

Disclaimer: "Same Day Approval" as advertised - means, the applicant will get the application outcome on the same working day. If you are applying after working hours, you will get the reply next working day. Public holidays might affect the process of the outcome.

Disclaimer: "No Credit Check Loans" as advertised - means, most of the decisions are based on the present income of the applicant. There could be several reasons behind bad credit in past. A strong employment history and zero dishonour in last 90 days are required to be eligible for a no credit check loan. The lender can also perform a credit check as it is a part of application processing.


*Instant transfer is available to PayID holders with participating Australian financial institutions. Most of the payments are typically settled in under 60 seconds but may be subject to checks and holds at the sending or receiving bank. As the reason, our standard payment transfer time is 24 hours.

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