Look To Breezy For Your Unsecured Personal Loan | Apply Now!
Empty pockets got you down? An unsecured personal loan is the perfect cash injection when you find that your finances are a bit tighter than expected. Sometimes, we don’t always have the spare cash we need, when we need it. This is where Breezy Loans steps in to help with an unsecured personal loan. When the unexpected happens, knowing that you have access to easy-breezy finance can be a huge weight off your shoulders.
Who we are?
Breezy Loans are your local personal loan specialists who are there to support you when you need a bit of a financial helping hand. Established and run right here in Australia, Breezy Loans is your local company you know you can trust. We pride ourselves on our ability to help out the everyday Australian and believe that everyone should have access to quick finance when they need it most.
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 possible service we can.
What is an unsecured personal loan?
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 taking out the loan. Generally, an unsecured personal loan can be for any amount from $300 all the way up to $10,000, depending on the lender you apply with and how much you’re approved for.
An unsecured personal loan differs from secured personal loans in several key ways. The main difference is the fact that secured loans require some form of security or collateral to be used when applying for the loan. This means that if something were to go wrong and you were unable to meet your repayments in the future, the lender would be able to use your collateral to pay off the remainder of the loan.
Unsecured loans, on the other hand, do not have the protection of collateral or security and therefore are a bigger risk to the lender as they have no item of value backing the loan if it were to fail or default.
Unsecured personal loans also tend to be for smaller loan amounts owing to the lack of security or collateral, while a secured loan can be for a larger amount due to the security that is backing the loan.
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. Here are just a few of the reasons that you may need to apply for a small unsecured personal loan:
● Dental loans
● Education loans
● Home renovations
● Home repairs
● Investment loans
● Unexpected utility expenses
● Wedding costs
● Funeral costs
● Emergency travel costs
● Debt consolidation loans
● Holiday loans
● Medical costs
● Emergency loans
And so many more! These are just a few of the reasons that Breezy has approved loans for. Everyone’s reasons for needing a bit of spare cash are going to be different and we aim to always be flexible.
Who can apply?
Here at Breezy Loans, we believe that as many Australians as possible should have access to fast and easy finance when they need it. With this in mind, we have made our application criteria simple. No complicated eligibility criteria that exclude more than they include. Just a few simple things we need from you first. So, if you meet the following criteria then you’re eligible to submit an application with us. All we ask is that you:
● Are at least 18 years of age
● Are an Australian citizen or permanent resident
● Have been employed for at least 3 months
● Have an active phone number and email address.
And that’s it. If you meet the above criteria then you qualify to apply with Breezy Loans. Submit an application today and get an outcome ASAP.
Breezy’s application process
Submitting an unsecured personal loan application with Breezy Loans couldn’t be easier. We know you don’t have all day to spend hunting down long lost paperwork and completing an overly complicated loan application. We’ve made our application process quick, simple and 100% online. You can have an application form completed and submitted within just a few minutes, leaving you free to enjoy the rest of your day while we get to work assessing your application. Want to know just how easy it is? Read on here.
Step 1
Begin your application by scrolling to the top of our website and using our loan calculator to select how much money you’re looking to borrow. Once you’re happy with your loan amount hit submit and get your application off to a breezy start. We’ll now ask you to provide us with just a few personal details such as your name, address, date of birth and reason for applying for the loan. Once you have filled out these details hit the continue button to be taken to the next stage of your online application.
Step 2
At this next step, we’ll get you to upload up a read-only copy of your bank statements. Our assessment specialists will take a look through your statements to make sure that an unsecured personal loan will be suitable for you and your financial situation. Once your statements are uploaded you’re all done. His submit and your application will make their way over to our team to begin the assessment process.
Step 3
Once we have received your completed application our team of expert assessment specialists will get to work assessing your unsecured personal loan application. They’ll take a look through your application and if they find that they require any supporting documentation for your application, they’ll get in touch with you via phone, SMS, and email.
The assessment process should be super speedy, however, this will depend on whether or not your assessor requires further documentation from you and when you submitted your initial application. Remember that if you submit your application outside of our standard business hours you might not hear from us until we’re back in the office.
Step 4
Once our team has finalized their assessment of your application they will be in touch with you regarding the outcome of your application. If you have been successful and Breezy Loans are able to offer you an unsecured personal loan they’ll go over your loan offer and contract with you and ensure that you understand the terms and you’re happy with what you have been offered. If you’re happy with the terms of your loan e-sign your contract and get it back to us as soon as you can.
Step 5
Once your contract has been signed we release your cash to your bank account with our next round of banking. Your funds can be in your account in as little as 60-minutes. Don’t panic if you don’t see your cash instantly, we find that depending on which bank you’re with, your funds will clear into your account overnight at the very latest.
And it’s as easy as that. No waiting in lines for hours on your lunch break or having to hunt down paperwork you haven’t seen in months. Just fast, efficient and easy applications with super fast outcomes. What more could you want from finance?
Can I apply if I receive Centrelink benefits?
Yes, you can apply if you receive Centrelink benefits! We know that it can be difficult to receive the help you need if you are receiving Centrelink benefits. Traditional lenders tend to have a habit of knocking you back without even giving your application the fair go it deserves. That’s not how we work here at Breezy.
We believe that everyone deserves the chance to get their hands on the finance they need and deserve, regardless of whether they are working or receiving Centrelink benefits. So long as you gave been receiving at least 3-months of Centrelink benefits into a personal bank account we are more than happy to receive an application from you.
Unsecured personal loan costs
Now you may be wondering what kind of loans Breezy Loans can offer you and how much they may cost. While different loans will be tailored to different people we can give you an example of what different loan types and amounts may look like. Just keep in mind that these are examples only and will be finalized with your assessor when they assess your application. Read more about the fee & rates here .
As you can see, different unsecured personal loan products can vary greatly in terms of costs, repayment terms and fees or charges that may be applicable. With this in mind, it is always important to do a little bit of research before you submit any applications and ascertain which loan product is right for you and what charges and fees ou are happy with as they are vastly different.
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 more thorough overview of your application. So, while a credit check is important, it isn’t the only thing we look at.
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.
