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Small cash loans are made for the annoying in between moments, when a bill lands before your next pay. MeLoan offers small loans with a clear offer upfront, so you can see the total cost and every repayment date before you commit. If you need a small personal loan, MeLoan has made online loans even simpler.
Apply online, complete the required checks, then review an offer that shows the total cost and every repayment date before you accept. When approved and accepted during business hours, payouts are usually sent the same day, with final timing depending on your bank’s processing.
A small cash loan is a short-term personal loan for a modest amount. It suits one-off essentials such as a vet visit, an urgent repair, or a final-notice bill. The goal is to borrow the smallest amount that fixes the problem and to set a timetable that fits comfortably within your pay cycle. It is not a long-term solution and it should not be used to juggle ongoing expenses.
With complete documents, assessments run promptly so you can see a clear decision and move ahead without days of waiting.
Applications are assessed under the National Consumer Credit Protection Act 2009 and the National Credit Code with ASIC oversight. You can apply from any state or territory and complete everything securely on your phone or desktop.
Your offer shows the amount, all fees and every repayment date in one place. There are no hidden add-ons, and there is no fee for early payout. Where interest applies, it is recalculated to your payout date.
Questions do not wait. Our team can explain your offer, help align dates to your pay cycle, and discuss short-term support if circumstances change.
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.
Other avenues to check for lower cost: ask your employer about a wage advance, request hardship support from utilities or telcos, or see if you qualify for a No Interest Loan Scheme (NILS) through community providers.
Clear photos of ID, full bank statement pages and matching names move fastest. Lodging and accepting during business hours helps. Delays can arise 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 the Australian Financial Complaints Authority on 1800 931 678. For free financial counselling, call the National Debt Helpline on 1800 007 007. For budgeting and loan guidance, see Moneysmart (ASIC). For privacy and data rights, visit the Office of the Australian Information Commissioner (oaic.gov.au).
Yes. You can request a smaller amount before acceptance so the repayment fits more comfortably.
Often, yes. Contact us ahead of the due date and we can switch between weekly, fortnightly or monthly to match your pay cycle.
We do, provided there is a consistent pattern of banked income over the last 90 days, even if shifts vary.
Yes. 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.
We can, as long as you are a named account holder and the application name matches the bank record.
Top-ups are not automatic. We reassess to confirm affordability. In many cases it is safer to finish the current loan first.
Tell us early. We can review dates and amounts to keep the schedule manageable.
No. Multiple applications can slow things down and add credit enquiries. Apply once with complete documents.
A credit enquiry may be recorded with Equifax, Experian or illion as part of responsible lending. Recent account conduct carries significant weight.
With complete documents and a business-hours acceptance, payouts are usually sent the same day so you can address the cost without delay.
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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