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Cash advance help can turn a surprise bill into a plan you can actually follow. MeLoan will assess affordability using your income, essential costs, and recent banking, then present a clear cash advance loan offer with the total cost and every repayment date shown before acceptance. If you need a cash advance for personal use, our short term cash loans ensure that you can handle your finance without putting yourself in an even deeper hole.
A cash advance is a short‑term personal loan designed to bridge a timing gap, not a long‑term fix. It works best for essentials like rent falling due, a car rego that cannot wait, or a final‑notice bill. Borrow the smallest amount that solves the problem and make sure the repayment fits your pay cycle.
With complete documents, assessments move quickly during business hours so you see a clear outcome. After you accept an approved offer, we aim to send the payout the same day.
Applications are assessed under the National Consumer Credit Protection Act 2009 and the National Credit Code with ASIC oversight. Apply online from any state or territory and complete everything securely on your phone or desktop.
Your offer shows the amount, any fees and every repayment date in one view. There are no hidden add‑ons later, and there is no fee for early payout. Where interest applies, it is recalculated to your payout date.
From application to final repayment, a local team can answer questions, align dates to your pay day, and discuss short‑term help if circumstances change. You will not be left to guess at any step.
Loan amounts range from $500 to $5,000 with terms of 2 to 6 months. Repayments can be weekly, fortnightly or monthly. All costs are shown before you accept. There is no fee for early payout, and where interest applies it is recalculated to your payout date, which can lower the total cost.
Independent help: Moneysmart (ASIC) for guidance, AFCA 1800 931 678 for complaints we cannot resolve, and the National Debt Helpline 1800 007 007 for free counselling.
Complete, readable documents and name matches move fastest. Lodging and accepting during business hours helps too. Delays can come from unreadable uploads, name mismatches, first‑time payee holds and public holidays.
Lending is regulated under the National Consumer Credit Protection Act 2009 and the National Credit Code with ASIC oversight. If we cannot resolve a complaint together, contact AFCA on 1800 931 678. For privacy and data rights, see the Office of the Australian Information Commissioner (oaic.gov.au). For free financial counselling, call the National Debt Helpline on 1800 007 007.
Yes. You can request a lower amount before accepting the offer so the repayment sits comfortably in your budget.
Often, yes. Contact us ahead of the due date and we can move dates or switch frequency between weekly, fortnightly or monthly.
We can, provided you are a named account holder and the name on your application matches the bank record.
Talk to us as soon as you see a problem. Options under the National Credit Code may be available to ease pressure. Extra fees can apply to missed payments.
Top‑ups are not automatic. We reassess to confirm any extra amount would remain affordable. Often, finishing the current loan first is safer.
Extra payments and early payout are welcome and there is no fee. Where interest or monthly fees apply, they are recalculated to your payout date.
No. Multiple applications can slow things down and add enquiries. Apply once with complete documents.
Yes. We look for a consistent pattern of banked income over the last 90 days, even if shifts vary.
A credit enquiry may be recorded with Equifax, Experian or illion as part of responsible lending. Recent account conduct carries the most weight.
With clear documents and a business‑hours acceptance, payouts are usually sent the same day. Your bank decides when a sent deposit appears on your side.
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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