First loan 0% interest for 6 months. Up to $6,000 AUD for new customers.
Fast, fair, and fully Australian. Apply online in minutes with instant approval decisions.
Adjust the sliders to find a loan that suits your needs. Your first loan comes with 0% interest for 6 months.
Grace Period: First 2 months require no mandatory payment.
As a first-time borrower, you qualify for our 0% interest promotional rate for the full duration of your loan term, up to 12 months.
No impact on your credit score to apply
We're redefining microfinance in Australia — making it fairer, faster, and more transparent for every Australian.
Our smart assessment engine provides a lending decision in under 60 seconds, 24 hours a day, 7 days a week.
Your personal and financial data is protected with 256-bit AES encryption and is never sold to third parties.
Our entire team is based in Australia. Real people, real support — available by phone, chat, and email.
Responsible repayments on your OzBridge loan are reported to credit bureaus, helping you build a stronger credit profile.
Once approved, funds are transferred to your nominated Australian bank account within 24 hours on business days.
We comply with all ASIC responsible lending obligations and only offer loans we genuinely believe you can afford.
Getting a loan has never been simpler. Our streamlined process gets you funded fast.
Fill out our simple 3-step online form with your personal details, employment information, and identity verification. Takes less than 5 minutes.
Our intelligent system reviews your application immediately. No lengthy waiting periods — you'll receive a decision in under 60 seconds.
Once approved and your loan agreement is signed, funds are transferred directly to your nominated Australian bank account within 24 business hours.
Free to apply. No impact on your credit score.
Everything you need to know about OzBridge Capital loans.
To be eligible, you must be an Australian citizen or permanent resident, aged 18 years or older, have a regular source of income, hold an active Australian bank account, and have a valid form of Australian government-issued photo ID. Standard credit checks apply.
First-time OzBridge Capital customers are eligible for our 0% interest promotional rate on loans up to $6,000 AUD for up to 6 months. This means you only repay the principal amount you borrowed — no interest charges at all. This offer applies to your first loan only, and standard rates apply to subsequent loans.
Our automated assessment system typically provides a lending decision within 60 seconds of completing your application. In some cases, additional documentation may be required, which may extend the process to 1-2 business days.
Once your application is approved and you've digitally signed your loan agreement, funds are typically transferred to your nominated Australian bank account within 24 hours on business days. NPP-enabled bank accounts may receive funds faster.
For your first loan under our promotional offer, there are no interest charges. A one-time establishment fee may apply, and this will be clearly disclosed before you accept your loan offer. There are no hidden fees — all costs are fully disclosed in your loan agreement.
Yes, you can make additional repayments or repay your loan in full at any time with no early repayment penalty. In fact, we encourage responsible financial behaviour.
If you're experiencing financial difficulty, please contact our support team immediately on 1800 OZ BRIDGE. We have hardship provisions in place as required by the National Consumer Credit Protection Act 2009. Late payment fees may apply as disclosed in your loan agreement.
Yes. OzBridge Capital Pty Ltd holds an Australian Credit Licence (ACL) issued by ASIC and is fully regulated under the National Consumer Credit Protection Act 2009 (Cth). We comply with all responsible lending obligations.
Still have questions?
Our Australian-based team is here to help Monday–Friday, 8am–6pm AEST.
We're here to help. Reach out via any of the channels below and we'll respond promptly.
1800 OZ BRIDGE
(1800 699 274)
hello@ozbridgecapital
.com.au
Level 12, 333 Collins St
Melbourne VIC 3000
Mon–Fri: 8am–6pm
AEST