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A Small Personal Loan Is Done Better With Breezy Loans | Apply Now

When you need a small personal loan, you often need it fast. You don’t always have the time to sit around waiting for days or weeks on end to get an answer from a traditional financial institution such as a bank or big lender. When this happens, you often have to find alternative options to get the cash you need. A small personal loan with a neo lender is often your best choice. Rather than fretting and wondering which company you should apply with, give Breezy Loans a go. We’re your trusted Aussie lender with fast applications and even faster outcomes. Take a look here at why we’re so good at what we do.

What is a small personal loan?

A small personal loan is a type of loan that is designed to help you out when you need cash fast. Unlike traditional personal loans, you can often apply and be approved for a small personal loan in a matter of hours or days. Small personal loans are also designed to be paid off much faster than a traditional personal loan. These loans are perfect if you have a small expense that needs to be paid for straight away.

What kind of fees will a small personal loan have?

Knowing just what fees and charges apply to different loans can be confusing. This is often due to the fact that different lenders are going to offer their own fee structures. While every lender is going to be unique, we can give you a few examples of what you might expect to pay on different kinds of loans with Breezy loans. Remember that this is just an example though, your fees and repayment amounts will be confirmed with you during the assessment process.

Breezy Loans can provide two different types of small personal loans. These are your small amount credit contract or a SACC and a medium amount credit contract, also known as a MACC. The right loan type will depend on the amount of money that you’re looking to borrow as well as the types of fees and charges you’re happy to pay. Additionally, whether or not you are able and willing to submit collateral for a larger loan will have an impact on your fees as well.

Generally, you can expect to pay an establishment fee on your loan and either a monthly fee or interest fees, depending on the loan amount you are approved for.

What other fees can be charged?

It’s always a good idea to have a thorough read of your loan contract before signing as sometimes there might be some other fees that could apply to your loan under certain circumstances. This ensures that you aren’t caught off guard wondering where a particular fee has come from. Some fees and charges that might apply to your small personal loan are as follows:

Late or missed repayment fee – if your scheduled repayment declines of dishonours due to insufficient funds or some other reason you may be charged a missed repayment fee by your lender. It might seem like a small fee but these fees can add up over the life of the loan. These additional fees on top of your loan can end up costing you more in terms of interest or monthly fees if your loan runs longer. It’s always a good idea to know exactly when your repayments are due so that you can ensure that your account has sufficient funds available to process your scheduled repayment.

Skipped repayment fee – some lenders will charge a small fee for you to skip an upcoming repayment. Due to this fee, it is often better to request a reduced one-off repayment instead of a skipped repayment. A partial payment is still reducing the loan amount owing and will not add further fees to the total amount owing, therefore, increasing the balance.

Early payout fee – some lenders may charge you a small fee for paying off your loan early. If you are planning on paying off your loan before the end of your contractual date be sure to check whether this fee might apply to you. Many lenders are happy for you to pay your loan off early and won’t charge you a cent, but some will charge this fee, so be sure to always check first!

These are just some of the fees and charges that a lender may charge you. It’s always a good idea to thoroughly read your contract before accepting your small personal loan to ensure that you’re fully informed of any possible extra fees you might incur on your loan.

And remember, any reputable lender will ensure that you’re always fully aware of any and all loan fees before you sign your contract. Breezy promises that we will never charge you a fee that was not clearly outlined in your contract. We’re here to make your life easier, not harder with surprise fees and unexpected charges.

Apply for your small personal loan today

If you like the sound of a small personal loan with breezy Loans, why not apply today? Applications are quick and simple and more often than not you’ll get your outcome the same day you apply. Rather than worrying about where you’re going to come up with some spare money, trust Breezy Loans to help you out with a small personal loan today.


Who can apply?

To be eligible to apply for a small personal loan with Breezy we first require that you meet our basic eligibility criteria. Can you answer yes to all of the following?

➤ Are you at least 18 years of age?
➤ Are you an Australian citizen or a permanent resident?
➤ Have you been employed or receiving Centrelink benefits for at least 3 months?
➤ Do you have an active phone number and email address so we can contact you about your application?
➤ Do you have an Australian bank account to deposit your funds into?

If you were able to answer yes to the simple criteria, you’re eligible to apply for a small
personal loan with Breezy Loans. Scroll up and get your application started today.

How do you submit an application?

Submitting an application is quick and easy. Simply scroll up and hit on the Apply Now button to begin. Your small personal loan application should only take you a few minutes to complete and can be done on a smartphone, tablet or laptop. Once we have all the information we need from you we get to work assessing your loan application. We’ll inform you of the outcome once we have finalised our assessment. It’s as easy as that.

Can I apply with bad credit history?

You are more than welcome to apply, even if you have some bad credit history in your past. We don’t base your assessment on your credit score alone. Rather, we take your entire financial position into account and make an informed decision based on your current financial circumstances. We utilise information such as income amount, expenses, repayment history and credit history to make an informed decision on your application.

Can I apply if I receive Centrelink?

Yes, you can apply if you receive Centrelink benefits! We’re here to help out as many Australians as possible and are always happy to accept Centrelink as a form of income. Whether you work and receive Centrelink or are solely on Centrelink, we’re happy to receive an application from you and will do our best to help you out with a small personal loan. Forget the instant no that you could receive from many traditional lenders, Breezy is more open-minded and happy to help.

Why should I apply with Breezy?

Breezy Loans are the small personal loan experts you need on your side. We have years of experience under our belts and have been operating in the finance industry for a long time now. We understand the importance of being able to offer everyone the financial help they need, no matter their personal situation. Breezy Loans are here to give everyone the chance to get their hands on some spare cash when they need it. You should apply with Breezy Loans for the following reasons:

1. We’re fast and can provide you with an outcome in as little as 60 minutes (when you apply on a business day)
2. We’re professional and take pride in our customer service skills
3. We aim to help everyday Australians get the cash they need
4. We’re understanding and won’t automatically decline someone for no reason
5. We’re trustworthy and only offer loan products when we think they’re a good match for our customer

How do I repay my loan?

Repayments are easy. We set up a direct debit from your account that is inline with your pay day. Your repayments will automatically be deducted from your account and you won’t have to do a thing.

Why did I get declined?

Unfortunately, we can’t help out every single person who applies with us, no matter how much we wish we could. There are a few key reasons why we might have declined an application. This could include your commitment levels, your repayment history to other
lenders or your lack of a credit history showing your ability to repay credit. Everyone’s application is going to be different, but just because you were unsuccessful on this application, doesn’t mean that you will be unsuccessful next time. We encourage you to apply again in the future when your personal circumstances may have changed.

I was offered a loan that was less than what I applied for. Why?

Sometimes we will offer our clients loans for less than what they applied for. This can happen for a variety of reasons. Often we will offer a lower amount if we cannot find a larger loan into your available repayment amount. This could be due to you having other commitments or payments that you also need to make. Additionally, we may offer you a smaller loan to see how you handle the financial responsibility, before offering you a larger loan in the future if your small loan repayments are completed with no hassles. Feel free to give us a call and chat with our team if you want to discuss the loan amount that was offered to you.

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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