How It Works

How it works – Oz Cash Loans put you in control of choosing a loan that meets your requirements. We’ll present you with realistic options so you can be comfortable with the repayment amount before you agree to the loan.

1. Apply online.

You can apply online 24/7 from your mobile device or computer. The process is really fast and easy.

Your application should only take 5-10 minutes to complete.

2. Verify your income and expenses.

Once you have met the initial eligibility requirements, we then verify your income and expenses. Amongst other things, we review your most recent 90 days of bank transaction history. We use the services of a secure, reputable, external company, to help us with this.

Please note, as our application process is 100% online, we only accept applications via our website. We do not accept bank statements via fax or email. Our bank statement provider is regularly adding new banks to their service.

3. Approval.

We will email you with our initial assessment of your application. Please check your email inbox (and spam and junk folders) for our email response. If we think that we may be able to proceed, we will call you on the mobile number that you provide in your application, in order to determine the suitability of the loan for you. If we can’t proceed ourselves we will try to find you another lender from our panel of small amount lenders.

You will need to upload 3 photos of your identification. This is done via our easy to use ID upload process.

If your loan is approved by us, you will receive an email and/or SMS with a link to your loan offer.

4. Confirm your loan.

Using the link that we send you, you then need to review the proposed loan contract and if you are satisfied with its content and conditions, sign electronically.

The whole process is done online and is simple and user-friendly.

5. We transfer you the money from our account in under 60 minutes!

We always aim to transfer the loan funds from our bank account within 60 minutes of receipt of signed contract, if during AEST standard bank hours. The processing of and subsequent deposit into your bank account will always be subject to your financial institution, which is outside of our control.

6. Simple Direct Debit.

When you complete your application, we’ll provide a simple Direct Debit payment form for you to complete so that your Oz Cash Loans loan repayments happen when they’re due, with no extra work required by you!