EzyFinance provides secured and unsecured personal loans to Australian residents. Save time before applying by making sure you:

  • are aged 21 or over
  • are an Australian citizen or permanent resident
  • have a good credit history
  • have a regular source of income that you can demonstrate

To see if you may qualify for a EzyFinance loan, you can get an Ezy Rate Estimate, it only takes 1 minute and won’t affect your credit score. If you request a Ezy Rate Estimate, we will ask you a few questions so we can make an initial assessment of your borrowing potential and provide an assessment of the rates, fees and charges that may apply to your loan.

What can I use it for?

You can use a low rate personal loan for many reasons, including:

  • Consolidating debt– paying off credit card debt or bank overdraft charges
  • Auto – buying a new or used car, ute, van, truck, motorbike, scooter or jetski
  • Home renovation– financing that new kitchen, bedroom, bathroom or backyard makeover
  • Wedding – making your dream day come true
  • Holiday – booking that next getaway, whether it be overseas, or somewhere more local
  • Study– paying those student loan fees, whether it be for high school or university
  • Investment– buying shares or bonds
  • Green – purchasing renewable energy products, such as solar panels or a home battery pack
  • Medical– covering medical bills, cosmetic surgery procedures, dental expenses, optical or something else

What is a Ezy Rate Estimate

Your Ezy Rate Estimate is an initial assessment of your eligibility to apply for a loan with Ezy finance. It provides you with the estimated fees, charges and interest rate that may apply to your loan, taking into account a number of factors including your proposed loan term, amount, purpose and personal credit history.

Requesting a Ezy Rate Estimate won’t impact your credit score and there’s absolutely no obligation for you to proceed with a loan application. It’s free, secure, and will only take 1 minute to complete.

What do I need to apply?

To apply for a Ezy finance loan, you will need to complete our identity verification process successfully. You will therefore be required to provide one or more of the following documents:

  • Australian State or Territory-issued drivers licence
  • Australian or foreign passport
  • Address verification document such as a utility bill or tenancy agreement

When assessing your application, we are looking for evidence of how suitable a loan is to your current circumstances, including:

  • Your employment stability
  • Your income (e.g. salary, rent, interest etc)
  • Your expenses (e.g. mortgage, groceries etc)
  • Your repayment history
  • Credit bureau information
  • Other details you communicate to us