Monzi Personal Loans

Quick cash loans in 60 mins*
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Website Policy

Copyright © 2026 www.monzi.com.au
MONZI PTY LTD, ABN 76 632 780 655
Credit Representative Number: 517193

MONZI PTY LTD is a credit representative of Fish4Loans Pty Ltd (ABN 89 603 132 618), Australian Credit Licence 474107.

By accessing this website, you agree to be bound by these Terms and Conditions, all applicable Australian laws and regulations, and accept responsibility for compliance with any applicable local laws.

If you do not agree with any of these terms, you must not use or access this website. The materials contained on this website are protected by applicable copyright and trademark laws.

Liability

To the extent permitted by law, we are not liable to any person in relation to the use of the website, and you waive all claims against us in relation to your use of the website. The materials on this website are provided “as is”. Monzi makes no warranties, expressed or implied, and hereby disclaims all other warranties, including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. We do not warrant that the website will always be accessible, uninterrupted, or error-free, and we do not warrant that the website is free from anything that may damage any device used to access the website.

Privacy Statement

We are committed to protecting your privacy. Please see our Privacy Policy for full details on how and why we collect, use, and disclose your personal information.

We comply with the Privacy Act 1988 (Cth) and the Australian Privacy Principles (APPs). Any information concerning clients and their records may be passed to third parties only where necessary to provide our services or as legally required. Client records are treated as confidential and will not be disclosed to third parties, other than trusted partners or authorities, where required by law.

Third Party Websites

Monzi may provide links to third-party websites. These websites are not under our control, and we accept no liability for the content or availability of any linked site not operated by us or any links contained in a linked site not operated by us. You access those sites and use their products and services solely at your own risk. You should read the terms and conditions of those websites before using them and direct any questions or comments to the relevant website provider.

Copyright Notice

Copyright and other relevant intellectual property rights exist on all text relating to Monzi services and the full content of this website.

Security

Monzi maintains reasonable measures to protect the security and confidentiality of your personal information from misuse, interference, loss, unauthorised access, modification, or disclosure. Our systems and processes are designed to protect your information from the outset. Please refer to our Security Policy for more information.

Collection & Use of Information

Any information you provide to Monzi is collected only for purposes that are reasonably necessary or related to business functions or activities conducted by Monzi. These purposes include:

  • Processing your application for a loan in accordance with the law;
  • Assessing your personal and/or commercial creditworthiness;
  • Gathering and aggregating information for statistical, prudential, actuarial, or research purposes;
  • Determining the risk of default on obligations to us;
  • Developing and implementing measures to detect or prevent fraud and credit loss;
  • Risk assessment and management, including securitisation, credit scoring, portfolio analysis, reporting, and fraud prevention and claim recovery;
  • If your application is successful, providing you with a loan and determine the applicable terms.
  • Managing your account with us.
  • Assisting in the resolution of any dispute you have with us;
  • Providing information about other products or services we currently offer, or may offer in the future, including those offered by commercial partners; and
  • Satisfying obligations under the law to collect personal information or make assessments.

Personal information collected may include:

  • Name, address, occupation, age, gender, email, bank account details, income, and other financial information;
  • Transaction information, including payment history, loan balances, and interactions with our customer service team;
  • Information received from third parties, including credit reporting bodies, lenders, or lead providers.

Cookies

We use cookies to provide better and more customised service and a more effective website. Cookies are small text files placed on your device by our website server. You may choose if and how cookies are accepted by configuring your browser preferences.

Complaints

If you have a complaint or dispute related to the website, please contact us using the contact details published on the website. You may also refer to our Dispute Resolution Policy.

Exclusions & Limitations

The information on this website is provided on an “as is” basis. To the fullest extent permitted by law, Monzi:

  • Excludes all representations and warranties relating to this website and its contents, including any inaccuracies or omissions; and
  • Excludes all liability for damages arising out of or in connection with your use of this website, including direct or indirect loss, loss of business or profits, or damage to your device or data.

Monzi does not exclude liability for death or personal injury caused by our negligence. The above exclusions apply only to the extent permitted by law. Your statutory consumer rights remain unaffected.

Factor in
Costs

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

Frequently Asked Questions

Quick cash loans are personal loans that make their way into your account super fast! By speeding up the application process and automating the tedious bits, we can start looking for lenders for you faster. You can typically borrow quick cash loans between $300 and $15,000.

Small loans are just like fast cash loans, but...small! Nothing too complicated. Typically, small loans are between $300 to $2,000 and are usually, unsecured loans.

We cannot guarantee that the lender we find won’t conduct a credit check on loans applications. However, we find lenders that may not just look at your credit score, they sometimes dig deeper. They can take a look at your current relationship with money and other factors to see if you’re suitable for quick loans.

Secured personal loans are loans that require equity as security, such as a car, motorbike, boat or caravan. Most secured loans are between $2,100 to $15,000.