How it works

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Get to know the inner workings of Australia's latest and greatest lender-finder. We like to keep things simple, and the proof is in the pudding, so discover what makes us tick.

  • You apply

  • We search

  • Meet your lender

Apply in minutes. Fill out our quick application form - we just need a few little details. The best part? No paperwork required!

Forget searching through hundreds of lenders to find loans, let us do all the legwork! Using the latest in safe, smart technology, we scan hundreds of lenders to find you a lender that can say yes.

In minutes, we can find you a lender that can provide fast cash loans! Your new lender should be in touch shortly, so keep an eye on your texts or emails.

Step 1

You apply

Apply in minutes. Fill out our quick application form - we just need a few little details. The best part? No paperwork required!

Step 2

We search

Forget searching through hundreds of lenders to find loans, let us do all the legwork! Using the latest in safe, smart technology, we scan hundreds of lenders to find you a lender that can say yes.

Step 3

Meet your lender

In minutes, we can find you a lender that can provide fast cash loans! Your new lender should be in touch shortly, so keep an eye on your texts or emails.

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Apply online

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Lightning outcomes

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Spend your money

Who can apply?

Check off these four requirements and you're all set to apply for quick cash loans with Monzi.

Factor In

Costs

Two credit cards
Two credit cards

You won't use a penny to apply for our lender-finding service, but here's some costs you could expect from a lender

Loan amount

$300 - $2,000

Terms

12 months (minimum)

12 months (maximum)

Costs

20% upfront establishment fee

+ 4% monthly fee

Example

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR) %. The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. The minimum and maximum loan term is 12 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

Loan amount

$2,001 - $4,600

Terms

13 months (minimum)

24 months (maximum)

Costs

48% Annual Percentage Rate (APR)

67.41% Comparison Rate p.a.

Example

Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principal Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

The Annual Percentage Rate (APR) for Secured Medium Loans is 48%. The Typical Comparison Rate is 67.41% p.a. The minimum loan term is 13 months and the maximum loan term is 24 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

Loan amount

$5,000 - $10,000

Terms

13 months (minimum)

24 months (maximum)

Costs

21.24% Annual Percentage Rate (APR)

48% Comparison Rate p.a.

Example

Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principal Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

The Annual Percentage Rate (APR) for Secured Large Amount Loans is 48%. Maximum Comparison Rate is 48% p.a. The minimum loan term is 13 months and the maximum loan term is 24 months. WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. Click here to see a worked example.

Have Monzi on Your Side

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Fast loans shouldn’t be hard. There shouldn’t be endless Google searches, tiresome meetings with banks, a ton of hoops to jump through and worst of all, never-ending waiting times.

That’s why we created Monzi. It’s your one stop between you and your next lender. Fill out our application in a few breezy minutes and, before you know it, we could have found you a lender. That’s all! 100% online, no paperwork, and outcomes in minutes - that’s the Monzi Effect. Ready to be blown away? Apply today

Loans in your pocket.

Convenience is key. And it’s a timesaver. We find lenders who can provide top loans straight to your pocket.

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Finding your loan...