• hello@breezyloans.com.au.

Look To Breezy For Your Unsecured Personal Loan | Apply Now!

Don’t let empty pockets get you down. If you need a quick cash injection, an unsecured personal loan can be a great option to get you through to your next payday. Having access to some extra cash when you need it can help take the stress out of a stressful situation. This is where Breezy Loans can step in to help with an unsecured personal loan. When the unexpected happens, don’t stress about where you’re going to find the money you need, instead apply with Breezy loans.

What is an unsecured personal loan?

To understand how and why personal loans are so handy, it’s important to know what an unsecured personal loan is and how it works. An unsecured personal loan is simply a type of small personal loan that doesn’t require collateral or security such as a car or motorbike to be submitted when applying for the loan. Unsecured personal loan amounts can vary, however, these loans are often for amounts ranging from $5000 up to $70,000.

Who are we?

Breezy Loans are your local personal loan specialists. We specialise in providing quick and easy finance when you need it most. We’re here to support everyday Australians, no matter who they are or why they need a loan. Established and run right here in Australia, Breezy Loans is your local lender you know you can trust.

Specializing in small lending we’re making a big impact in the neo finance industry as we change the game. We’ve made it our mission to help out as many Australians as we can, even if you don’t have the best credit history in the world. Don’t let finance get you down, Breezy Loans are here to make lending practical, reasonable, and affordable, all while providing you with the best service we can.

Who can apply?

You may be wondering if you qualify to apply with Breezy Loans. We don’t have an extensive list of requirements for you to meet in order to submit an application with us. Instead, we keep our application criteria nice and simple. If you can meet the following 4 criteria, we’d love to hear from you:

● Be at least 18 years of age

● Be an Australian citizen or permanent resident

● Have been employed for at least 6 months

● Have an active phone number and email address

If you were able to answer yes to our simple criteria, submit an application for an unsecured personal loan today and get an outcome ASAP.

A Breezy application is 100% online

One of the major benefits of applying with Breezy Loans is the fact that we offer all of our clients a 100% online application process from start to finish. This means that you can simply jump onto our website and submit your information and documentation through our quick and easy online forms. We won’t ask you to spend time trying to hunt down paperwork or documents. Simply upload some quick personal information for us and follow the onscreen prompts. Your online application will be completed in a matter of minutes.

How do you submit an application?

Submitting an application with Breezy is a quick, simple and easy process. It should only take you 5-minutes out of your busy day so you can get back to relaxing or focusing on the important things. Breezy’s application process looks a little something like this:

1. Tell us how much you would like to borrow, why you need a loan and provide us with a few quick details about yourself.

2. We assess your application and see if we are able to provide you with a loan

3. If you’re approved well send out a contract for you to look over and sign

4. You get your cash! Your funds could be in your account in as little as 60-minutes after we get your signed contract back.

Why wait? Apply now!

Applying for an unsecured personal loan can be time-consuming and frustrating. Application forms can be complicated and just downright inconvenient when you’re in a rush and need cash now. Breezy Loans are different. We’re a lender that prides ourselves on our ease and smoothness of application.

If a quick, simple, and easy personal loan process resonates with you and you like the look of everything Breezy Loans, why not submit an application today? In just a few short minutes you could have your application completed and an unsecured personal loan on the way to your bank account before the day is out.


What can an unsecured personal loan be used for?

An unsecured personal loan can be used for a variety of different reasons. Applying for a small personal loan through Breezy means that your personal loan is just that. Personal. Your loan can be tailored to your personal needs and is extremely flexible.
From medical and dental bills to utility bills or bond payments, a personal loan can help you out with any number of unexpected costs or financial needs.

Can I apply if I receive Centrelink benefits?

Yes, you can apply if you receive Centrelink benefits! We know that it can often be difficult being approved for a personal loan if you are a Centrelink recipient. Many traditional lenders are less likely to lend to anyone who receives Centrelink, which can make it incredibly difficult to get the funds you need, when you need them. With this in mind, we believe that everyone should get the chance to get an unsecured personal loan, regardless of whether they are Centrelink recipient’s or not.

Unsecured personal loan costs

The fees and costs of your unsecured personal loan are going to depend on a number of different factors. How much you are approved for and what type of loan you are approved for are forgoing to impact your expenses. As a general rule of thumb, you can expect to have some of the following costs or fees included in your loan:

● Establishment fee

● Monthly fee

● Interest charges

● Late payment or payment dishonoured fee

Remember that it’s important to do a little bit of research before you submit any personal loan applications. Understanding what fees might apply to you and what types of loans are going to incur what types of fees will help you decide if a loan product is right for you or not.

How do you repay your loan?

Loan repayments are easy. Once you have returned your signed loan contract to us we will set up automatic repayments in line with your payday. You won’t have to do a thing except make sure there is sufficient money in your account for your payment to clear. Your automatic repayments will finish up when your loan has been successfully repaid.

Does Breezy do credit checks?

Credit checks are an important part of responsible lending practices and as such, Breezy Loans may conduct a credit check on your application. Don’t let the idea of a credit check scare you off from applying though. A credit check is only one aspect of a thorough assessment process and we do not believe that it is the be-all and end-all of your application.

We look at many aspects including your relationship with money, your income and expenses, and your repayment history with your other commitments. This gives us a better snapshot of your finances and a thorough overview of your application. So, while a credit check is important, it isn’t the only thing we look at.

How long will my loan contract be?

The length of your loan contract will be entirely personalised to you and your financial situation. Your assessor will determine how long you have to repay your loan after assessing your financial situation and how much you are going to be approved for. We offer all of our clients very reasonable loan terms and always ensure that your repayments and loan terms are fair and manageable. We will always provide you with plenty of time to pay off your loan. And don’t forget, you can always choose to pay off your loan early if you want to! We don’t charge any extra fees for early payout.

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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