Our Services

Quick and Easy - that’s Breezy Loans

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Hassle-free loan applications

Welcome to Breezy loans, your number one destination for small loan assistance. With an aim to provide amazing lending services, we assist Australians who want to attain quick loans via hassle-free loan applications.

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Online lending solutions

We specialise in online lending solutions to ensure you have access to quick finance when you need it the most. Our application process is smartly designed to capture all your relevant data and quickly sort through the right lender for you, so you don’t have to.

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Ideal Lenders

We are your ideal lenders who aim to provide quality loans to our clients. Whether you are after a small fund top-up to get through payday or an unsecured personal loan, Breezy Loans is your best solution for all hassle-free lending solutions.




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What We Do

Quick and Easy Payday Loans

When an unexpected expense pops up, it can often be difficult to come up with the cash that you need. When this happens, one of your best options is to utilise the services of a great payday lender. However, we all know that finding the perfect payday loan for your needs can sometimes be a difficult task. Not every payday loan is built the same, and it can take time and effort to find the right lender to work with.

However, here at Breezy, we believe that it doesn’t have to be as hard as you might expect. Breezy loans specialise in quick, easy and simple payday loans to help you out of a tight bind whenever you need it. Whether you have unexpected household repairs that you need to get sorted ASAP or you get hit with a larger than expected power bill due to the rising costs of living and electricity, Breezy has you covered.




What We Do

No upfront credit checks before approval

We can also help you out with payday loans that require no upfront credit checks before approval.

We understand that your credit report is an important financial report and we do our best not to impact it until we’re sure that you’re suitable for one of our financial products.

Breezy does not conduct any upfront credit checks when we begin assessing your application for our $300 - $2000 Online Loans. We won’t conduct a credit check until the very end of the application process as the final step in our assessment process.

This way, if your application isn’t successful this time round or you choose to withdraw your application before we have finished assessing it, your credit score won’t be impacted at all. Credit checks are an important aspect of responsible lending practices but we always consider them as just one part of your overall payday loans application.

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Why Choose Us

Loans by Aussies for Aussies.

Our team of Breezy loan specialists are experts at what they do. They may not write payday loans, but they certainly know their way around a personal loan. We are 100% online and dedicated to top-notch customer service. Our clients and their experience are a high priority. We want our service to be a breeze. When the unexpected strikes, turn to Breezy Loans for fast, easy service, without the palaver of a big bank.

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See How It Works!

Easy steps for how to apply

Don’t jump through hoops for personal finance. Instead, take a peek at our breezy application and see how we work.

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You Apply Online

Breeze through our 100% online application in minutes. We may not offer payday loans, but we certainly provide top-notch service with a speedy application. Scroll up and fill out our form to get started!

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We Deliver an Outcome

Ideally, you’ll hear an outcome in 60 minutes during our regular business hours. However, this time may vary depending on whether we require additional information or not. So, while you’re tending to your virtual farm, keep an eye on your email and texts.

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We Transfer money Directly.

If you’re approved (congrats!), we’ll transfer your moolah directly to your bank account. Times may vary depending on whether your bank plays ball. So, expect your funds in your account the next business day at the latest.

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Author

Ahel Natasha

Managing Director

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Author

Ahel Natasha

Managing Director

Testimonials

Check what our satisfied clients said

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Answer & Question

Who is eligible for a personal loan?

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!

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!

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.

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.

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.




Rates & Costs

  Small Personal Loans Medium Personal Loans
Loan Amount $300 - $2,000 $2,001 - $5,000
Loan Term 91 Days - 12 months 3 - 24 months
Costs 1. Most small personal loan providers charge up to 20% as an establishment fee upfront. You’ll then pay a 4% monthly fee.
2. Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR) %.
3. In APR terms, the maximum annual percentage rate on these SACC loans between $300 and $2000 is 199.43%.		 1. Most small personal loan providers charge up to 20% as an establishment fee upfront. You’ll then pay a 4% monthly fee.
2. Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR) %.
3. In APR terms, the maximum annual percentage rate on these SACC loans between $300 and $2000 is 199.43%.
Example 1. Most small personal loan providers charge up to 20% as an establishment fee upfront. You’ll then pay a 4% monthly fee.
2. Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR) %.
3. In APR terms, the maximum annual percentage rate on these SACC loans between $300 and $2000 is 199.43%.		 1. Most small personal loan providers charge up to 20% as an establishment fee upfront. You’ll then pay a 4% monthly fee.
2. Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’l
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