Breezy keeps the documentation requirements minimal and fully digital. There are no payslips to upload, no tax returns to gather, and no physical documents to print or post. This page lists everything you need to have ready before you start the online application form.
Breezy requires four categories of information. All of it is entered digitally into the online form or retrieved automatically through the secure bank connection. Nothing needs to be printed or posted.
Used to verify who you are
Your full name exactly as it appears on your Australian identification document. Nicknames or shortened versions are not accepted.
RequiredYour complete date of birth including day, month, and year. Used alongside your name and address to verify your identity.
RequiredYour current full street address including suburb, state, and postcode. You will also be asked how long you have lived at this address.
RequiredYour licence number or passport number. If you hold a driver's licence, the state of issue is also required. If you do not hold a licence, an Australian passport is accepted.
One requiredA current mobile number for SMS notifications and a valid email address for contract delivery and account correspondence.
RequiredUsed to verify income eligibility
The full registered name of your current employer and their business address. For casual workers with multiple employers, provide details of your primary employer.
RequiredYour current job title and whether you are employed full-time, part-time, or on a casual basis. How long you have been with your current employer is also required.
RequiredYour regular gross income before tax — not net income. The figure must be at least equivalent to $600 per week. Provide the amount and frequency (weekly, fortnightly, or monthly).
Required — min. $600/weekAny secondary income including Centrelink payments, rental income, or other regular deposits should be declared. These supplement the primary income assessment.
If applicableUsed for disbursement and income verification
The BSB and account number of your nominated Australian bank account. This account is used for both fund disbursement and repayment direct debits. The account must be in your name.
RequiredThe name of your Australian financial institution and the type of account — for example, everyday transaction account, savings account, or offset account.
RequiredBreezy retrieves this automatically via read-only technology. You do not need to download, print, or upload statements manually. You simply connect your account through the secure portal.
Auto-retrievedRequired to connect your account to the read-only portal. Your credentials are entered directly into your bank's secure portal, not into Breezy's system, and are never stored by Breezy.
Required for verificationUsed to calculate repayment capacity
Your monthly rent or mortgage repayment. If you live rent-free with family, state this in the form. The figure is verified against your bank statement transaction history.
RequiredAn estimate of your regular monthly spending on groceries, utilities, phone, internet, transport, and other day-to-day living expenses. Be as accurate as possible.
Required — estimateThe monthly repayment amount on any existing personal loans, car loans, credit cards, or buy-now-pay-later facilities. Having more than one active personal loan disqualifies the application.
Required if applicableThe number of people financially dependent on you, such as children or other family members you support. This affects the assessed living expense allowance used in the repayment capacity calculation.
RequiredCompared to a traditional bank loan, Breezy's documentation requirements are significantly simpler. The following items are not required at any point during the application process.
Income is verified via bank statement data. Uploading payslips is not required or accepted as a substitute.
There is no requirement to supply personal tax returns, income tax assessments, or PAYG summaries.
Nothing needs to be printed, scanned, photographed, or posted. The entire process is digital.
No utility bill or letter addressed to you at your residential address is required.
You are not required to provide a copy of your employment contract or written confirmation from your employer.
No character references, personal references, or professional references are required.
For unsecured loans, no asset valuation is needed. Secured loans require asset nomination but not a formal valuation report.
Bank statements are retrieved automatically through the secure portal. Manual upload or printing is not required.
The bank statement connection is the part of the application that most applicants have questions about. Here is a step-by-step explanation of exactly what happens.
During the application, you are taken to a secure third-party bank statement portal. This portal is a separate system from Breezy and is used specifically to retrieve your transaction data.
You enter your regular online banking username and password directly into the portal. These credentials go to your bank's own authentication system — not to Breezy. Breezy never receives or stores your banking login details.
Once authenticated, the portal pulls the last 90 days of transaction history from your nominated account in read-only format. This data is transmitted to Breezy for assessment purposes.
The Breezy assessment team receives the transaction data and reviews it for income deposits, regular expense patterns, and any financial difficulty indicators. At no point can Breezy initiate a payment, transfer, or any other action on your account.
The bank account connection is used only for the purpose of retrieving your statements during the application. It is not a recurring or ongoing connection. Once the statements are retrieved, no further access to your account is made.
Breezy does not receive, store, or have access to your online banking username or password at any point.
The portal connection is read-only. No payment, transfer, or account change can be initiated through it.
All data transmitted between the portal and Breezy is encrypted using industry-standard 256-bit SSL encryption.
Breezy handles your financial data in compliance with the Australian Privacy Principles under the Privacy Act 1988.
Transaction data retrieved for assessment purposes is handled in accordance with Breezy's privacy policy and is not retained indefinitely.
Breezy holds Australian Credit Licence 389610 and operates under regulatory oversight that governs how customer data may be used.
The number of documents required at each type of lender varies significantly. Breezy's digital-first approach substantially reduces the preparation burden.
Note: The chart above is illustrative and based on general observations of typical documentation requirements across lender categories. Actual requirements vary between individual lenders. Breezy's digital bank statement technology eliminates the need for manual document uploads that most other lenders still require.
Breezy's documentation requirements are minimal and fully digital. No payslips, no tax returns, no printing. Apply online and get a decision within 60 minutes during business hours.
Apply NowBreezy Loans Pty Ltd holds Australian Credit Licence 389610. Personal loans from $2,100 to $70,000 for employed Australians. Minimum income $600 per week for three consecutive months required. Bank statement data is retrieved via read-only technology and is handled in accordance with the Australian Privacy Principles under the Privacy Act 1988. Breezy does not store or retain online banking credentials. Credit subject to approval. Interest rates from 29.9% to 39.9% p.a. Establishment fee 20%, monthly fee 4%, dishonour fee $27.50. No early repayment fee. This information is general in nature and does not constitute financial or legal advice.