Small Personal Loan

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

Realising that you have next to no savings in the bank and a big expense coming your way can cause a lot of frustration and anxiety. Figuring out where you’re going to get the cash is even harder. Deciding that you’re going to borrow the money is a big decision that shouldn’t be taken lightly.

After all, with so many lenders out there offering a small personal loan, how do you know which is right for you? instead of trawling through page after page of Google search results trying to find the per feet lender, why not 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.

Who can apply?

We’ve made this part of our process pretty darn simple. There’s no need to over complicate things. We’re here to make small finance accessible and easy. We don’t ask for a lot, just a couple of simple things from you before you submit an application. Can you answer yes to all of the following?

➤ Are you at least 18 years of age?

➤Are you an Australian citizen or permanent resident?

➤Have you been employed for at least 3 months?

➤Do you have an active phone number and email address so we can contact you about your application?

If you meet our simple application criteria congrats, you’re eligible to apply for a small personal loan with Breezy Loans. Scroll up and get your application started today.

I receive Centrelink- can I apply?

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.

Small personal loan costs and fee differences

Knowing just what fees and charges are applicable to different loans can be difficult. It doesn’t help when there are so many options out there. The sheer number of options can be overwhelming leaving you spoilt for choice and probably a little confused as to what you might have to pay.

While every lender is going to be unique, and likely have their own fee structure, 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 as well as whether or not you are able and willing to submit collateral for a larger loan. Read more about the fee & rates here.

As you can see, there are some important differences between the loans. Our assessment experts will be happy to discuss the right loan product for you if you’re still a bit lost and need a bit of help.

What other fees might as be charged?

It’s always a good idea to have a thorough read through your loan contract before signing as sometimes there might be some other fees that could be applicable 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 be applicable to your small personal loan are as follows:

● Late or missed repayment fee – if your scheduled repayment declines of dishonors 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 onto 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.

How do I apply for a small personal loan?

It’s easy to apply for a small personal loan with Breezy Loans! Forget endless pages of details to fill out, mountains of paperwork, and days spent waiting. Instead, we’ve created a 100% online, paper-free application that will take you just a few minutes to complete. Just like we don’t believe in over complicating our eligibility criteria, we don’t believe in over complicating our application process. Take a look at our easy, paper-free process that has been streamlined for your benefit:

Begin your application

Get your application off to a breezy start by scrolling up to the top of this page and having a look at our handy online loan calculator. This calculator will let you select what loan amount you’re looking to borrow and for how long. Once you’re happy with the loan amount selected hit to submit and get you’ll be taken to the second page of your application.

Now we’re going to ask you to submit a few personal details such as your name, address, date of birth, and reason for the loan. Fill these details in for us and hit the next button again. You’ll now be taken to the final page of your 100% online application form.

Complete your bank statement part

Now that we have gotten to know you a bit better we’ll ask you to complete a secure, read-only copy of your bank statements. These statements are security protected and only accessible to our loan assessment experts. We accept read-only online bank statement and we are working with “Credit Sense” for that. Once your statements are uploaded you’re all done with your application. Yes, it really is that easy. Just hit submit a final time and your application will head on over to our assessment team who will begin the assessment process and get to work on your small personal loan application.

We assess your application

It’s time to sit back and relax while our team does what they do best. Your small personal loan application is now with our expert team of assessors so. They examine the bank statements that you provided us with and have a good look through your finances to ascertain your overall relationship with money.

If at this point they find that they require any further supporting documentation or information for your application, they’ll be in touch with you ASAP. Make sure you keep your phone near you so we can get in touch if we need to and get what we need to progress your application further.

The assessment process is fast and easy and you’ll usually have an answer the same day you apply. Sometimes it can take a bit longer if your assessor requires further documentation from you. It can also take a bit longer if you submitted your application outside of our standard business hours. If you did apply outside of these hours you might not hear back from us until we’re back in the office. Don’t worry though cause we’ll get straight into assessing your application the very next morning that we’re in the office.

Get your outcome

As soon as we have finalized the assessment of your small personal loan application we’ll get in touch with you and let you know the outcome of your application. If you have been successful and Breezy Loans are able to offer you a small personal loan our team at Breezy will discuss your loan offer and contract with you.

This ensures that you’re fully briefed on your loan contract and that you understand the terms before signing so that you aren’t caught unaware of anything. If you’re happy with the terms of your loan contract and want to move forward with your small personal loan, simply e-sign your contract and send it back to us as soon as you are able to.

You get your cash

We release your cash to you once we have received your signed contract. Try and get it signed before the end of banking (usually around 4 pm) so that we can release your funds to you on the same day. Depending on who you bank with your funds can be in your account in as little as 60-minutes, sometimes even faster. Don’t panic if you don’t see your cash instantly though, depending on which bank you bank with, your funds may clear into your bank account overnight at the very latest.

If you have any questions about the assessment process or you want to follow up on a small personal loan application, feel free to contact us here – we’re always happy to help and love hearing from our customers.

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.