WARNING ABOUT BORROWING

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems. Check your options before you borrow:

• For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and Independent financial counsellor;

• Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan;

• If you are on government benefits, ask if you can receive an advance from Centrelink:
www.humanservices.gov.au/advancepayments;

• The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

Moving Forward When Facing Financial Challenges

When you need urgent funds, dwelling on past financial decisions can delay finding solutions. While understanding how you arrived at your current situation is valuable for future planning, your immediate need is addressing the present challenge.

MeLoan offers a straightforward approach focused on helping you move forward rather than looking backward.

Understanding your situation

Whether it was an ill-advised purchase, a disaster at home that blindsided you, a sudden and unexpected change to your employment situation or you’ve come to find that you’re simply bad with money (but taking steps to remedy that), it’s easy to feel a bit embarrassed about your circumstances.

There is still a way to get on top

Now the good news is that there are lenders out there that are not all that concerned about exactly how you landed in the situation you’re in, they’re more concerned about how much cash you need to borrow to get you out of it / on top of it / through it

Nevermind “how”, let’s talk “how much?”

What’s happened has happen and most of us can accept that there’s nothing much you can do to change what’s been done in the past. The future? That’s a different story and in order to write the next chapter of your story, you’re going to have to shift your thinking into solution mode.

That means giving some serious consideration to these 4 questions:

How much funding do you actually need?

Calculate the total cost of your immediate needs, whether for emergency repairs, unexpected bills, or essential purchases. Being precise about this amount helps ensure you borrow appropriately, not too little to solve the problem, but not more than necessary.

What is your current financial capacity?

Evaluate your income sources and essential expenses to determine what repayment schedule would be manageable. This realistic assessment helps ensure any loan you take will be sustainable rather than creating additional financial pressure.

What are your near-term prospects?

Consider your employment stability, potential income changes, and any supplementary income sources. Understanding your financial trajectory over the next few months provides context for your borrowing decisions.

What is your timeframe?

Different financial needs have different urgency levels. Emergency home repairs may require same-day funding, while other expenses might allow more time for consideration. Being clear about your timeline helps match you with appropriate lending options

Moving from the problem to the solution

One of the many things that can cause hesitation, trepidation and general stress when thinking about securing funds for any kind of cash loan, is the potential questions around how it all came to this. How did I get myself in a position where it seems I’m out of cash and out of options? Where did I go wrong? These questions, while important for the purpose of ensuring there isn’t a repeat of the incidents that got you here, can often stop you from figuring out a solution. In turn, that potentially delays your first and very important steps towards resolving the situation at hand - accessing some fast cash.

Finding the Right Financial Partner

When seeking financial assistance, finding the right lending partner can make a significant difference in your experience and outcome. This is where MeLoan steps in to provide you with an online loan that you've been looking for!

How Do You Solve Your Financial Crisis?

It’s a rather simple answer to a range of potentially complicated questions. Time is of the essence, you don’t have all week or even all day to think about it. Luckily, there are businesses like MeLoan that provides quick online loans that will help you get the funding you need.

That means giving some serious consideration to these 3 questions:

Access to Appropriate Lending Options

Look for a service that provides access to lending options aligned with your specific needs. Different situations require different financial solutions; from small emergency loans to larger personal loans.

Efficient, Transparent Process

Financial urgency requires prompt action. Seek out services with streamlined, clear processes that keep you informed throughout the application and approval stages.

Solution-Focused Approach

While responsible lenders must evaluate your financial situation, the focus should be on your current capacity and future prospects rather than extensive examination of past financial missteps.

How MeLoan Helps

- Straightforward online application process
- Focus on current financial capacity rather than past history
- Rapid assessment and potential same-day funding
- Clear, transparent terms without hidden conditions

MeLoan understands that financial challenges happen to everyone. We prioritize efficiency and simplicity, helping you move from problem identification to practical solutions without unnecessary delays or complications.

How we calculate your cost

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.

You may have gotten yourself into trouble but we can help you out!

How MeLoan Helps You Through Tough Times