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1 hour loans sound good because they are good, when you need speed and you want the details upfront. When you apply for a fast 1 hour loan with MeLoan, all you need to do is review the total cost and repayment dates, then accept when you're comfortable with the terms of the loan.
If you are looking for loans in 1 hour or 1 hour loans with no employment verification necessary, keep in mind that we'll still run checks to confirm that the loan fits your budget. Approved applications during business hours can be sent in about 60 minutes. But remember: payouts depend on your bank's processing.
When times are tough, you need a lender that moves with you. MeLoan is built for speed without cutting corners, with fast assessments during business hours and clear costs before you accept. We welcome a wide mix of applicants, including casual workers, gig workers and people rebuilding after bad credit.
Our digital checks review income, expenses and recent banking quickly during business hours, so you are not waiting days for an outcome.
Once you accept the offer, we trigger the transfer straight away. The goal is to help you cover the urgent cost and keep the rest of your plans on track.
Your offer displays the amount, any fees and all repayment dates up front. You choose the smallest amount that fixes the problem and a schedule that fits your pay cycle.
Apply on your phone, upload documents securely and sign electronically. No branch visits or paper packs.
You must be 18 or over, live in Australia and use a transaction account in your name. Centrelink income can be considered as part of the overall assessment. A credit enquiry may be recorded with a credit reporting body such as Equifax, Experian or illion.
Loan amounts range from $500 to $5,000 with typical terms of 2 to 6 months. Repayments can be set weekly, fortnightly or monthly to match your pay cycle. All fees and any interest are shown before you accept. There is no fee for early payout. Where interest applies, it is recalculated to your payout date.
We practice responsible lending under the National Credit Code of Australia. Your application is assessed under the National Consumer Credit Protection Act 2009 and the National Credit Code, and ASIC is the regulator for licensing and conduct. If we cannot sort a complaint together, the Australian Financial Complaints Authority can help on 1800 931 678. For free, confidential financial counselling, call the National Debt Helpline on 1800 007 007.
Australians aged 18 or over with regular income and a transaction account in their name. Approval depends on affordability checks.
From $500 to $5,000 over 2 to 6 months with weekly, fortnightly or monthly repayments.
Government photo ID, recent income proof and 90 days of bank statements for your main account.
For approved applications accepted during business hours, we aim to have money in your account in about 60 minutes.
A credit enquiry may be recorded with a credit reporting body such as Equifax, Experian or illion.
Yes. Centrelink income can be considered alongside other income and expenses to confirm a manageable schedule.
Yes. We look at recent banking to confirm a consistent income pattern and an affordable schedule.
Yes. There is no fee for early payout. Where interest or monthly fees apply, they are recalculated to your payout date.
Contact us as soon as possible. Support under the National Credit Code may be available while you get back on track.
Use the funds for genuine personal expenses. Avoid borrowing to cover another loan if it increases your total cost, and do not borrow for gambling or illegal purposes.
With years of experience under our belt, we can provide some tips & tricks to help you save
MeLoan respectfully acknowledges and honors the Aboriginal and Torres Strait Islander peoples as the original inhabitants and Traditional Custodians of the land and waterways across Australia. We acknowledge and appreciate their ongoing relationship with their culture, community and Country, and express our gratitude and respect to the Elders, both past and present.
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MeLoan Australia is a trading name for Simple Finance Group Pty Ltd (ABN 70 626 186 418) and holder of Australian Credit License 509422, operates as a lender and referral service. We do not endorse any specific credit contract. Upon receiving an offer from Simple Finance Group or referral to a lending partner, we / they will evaluate your application, provide a suitable credit contract, and inform you of the outcome. Both we and our lending partners will disclose all fees, charges, and terms before any contract is entered into. We may receive a referral fee if referred to a lending partner, the amount of which is not determinable. We advise seeking independent legal and financial counsel before engaging in any financial products.
The rates and loan terms provided on this website are for indicative purposes only. Meloan, as a lender, may process applications within 60 minutes, and loan disbursement may occur immediately upon contract signing. However, the timing of fund disbursement depends on your banking institution's policies.
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