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If your income includes Centrelink, access to credit should still be clear and straightforward. MeLoan offers personal loans from $500 to $5,000 with terms of 2 to 6 months and repayments set weekly, fortnightly or monthly. We look at today’s affordability using your income, essential expenses and recent banking, then show the total cost and every repayment date before you accept.
Some bills cannot wait for the next benefit date. A small, scheduled personal loan can help cover essentials without reshuffling every other cost. Applications are completed online, documents uploaded securely, and approved payouts are usually sent the same business day when you accept during business hours. You pick the smallest amount that solves the problem and a timetable that fits your budget.
“Centrelink loans” are standard personal loans available to people who receive Centrelink payments. They are different from Services Australia Advance Payments, which draw against your upcoming benefit, and from No Interest Loan Scheme (NILS) options offered by community providers for specific essentials. If an advance or a no‑interest option can cover the bill, check those first. When a personal loan remains the practical path, apply only for an amount you can comfortably repay.
Urgent costs need quick decisions. With complete documents, assessments run promptly during business hours and you will see a clear outcome. After you accept an approved offer, we aim to send the payout the same day so you can move on.
Your application is assessed under the National Consumer Credit Protection Act 2009 and the National Credit Code. We hold the required Australian credit licensing and operate under ASIC oversight, so lending stays safe, transparent and within the rules.
Apply from any state or territory and complete the process on your phone or desktop. Secure, read‑only banking connections and encrypted uploads keep your information protected from application to final repayment.
Questions pop up. Our team can help you understand your offer, move a repayment date if your benefit day changes, or discuss short‑term support if circumstances shift. You will not be left to guess at any step.
We focus on a practical budget: incoming benefits and wages, essential living costs and existing commitments. Read‑only bank data keeps the assessment accurate and helps align repayment dates to your payment cycle. As part of responsible lending, a credit enquiry may be recorded with a credit reporting body, and recent account conduct carries more weight than an old score.
Clear ID, full bank statement pages and matching names move fastest. Lodging and accepting during business hours also helps. Delays can arise from unreadable uploads, name mismatches, public holidays or first‑time payee holds at some banks.
An interest‑free advance for eligible recipients. It draws from future benefits and is repaid via your Centrelink payment. Check Services Australia for eligibility and limits.
Community providers offer $100 to $2,000 interest‑free for essential goods and services to eligible applicants. If your need fits, this can be the lowest‑cost option.
Where an advance or NILS cannot cover the cost or timing, a small personal loan may suit. You see all costs and dates up front, choose repayments that match your payment cycle and can pay out early without a fee.
Amounts range from $500 to $5,000 with terms of 2 to 6 months. Repayments can be weekly, fortnightly or monthly. All fees and any interest are shown before you accept. There is no fee for early payout, and where interest applies it is recalculated to your payout date.
If we cannot resolve a complaint together, contact the Australian Financial Complaints Authority on 1800 931 678. For free, confidential financial counselling, call the National Debt Helpline on 1800 007 007. For privacy and data rights, see the Office of the Australian Information Commissioner (oaic.gov.au). Lending is regulated under the National Consumer Credit Protection Act 2009 and the National Credit Code with ASIC oversight.
Yes. We assess affordability from your current benefits, any other income and recent banking. Approval depends on a schedule that fits your budget.
Yes. Weekly, fortnightly or monthly dates can be set to land after your payment. If your benefit day changes, contact us early and we will adjust.
We can, provided you are a named account holder and the application name matches the bank record. Mismatches can delay approval.
Tell us as soon as it happens. We can review dates and amounts to keep the schedule manageable and discuss short‑term support if needed.
You can request a smaller amount before acceptance. Asking for more may require a quick reassessment to confirm affordability.
Repayments are by direct debit on the agreed dates. If Centrepay becomes relevant for a specific case, talk to the team and we can explain options.
Contact us early. Options under the National Credit Code may be available to ease pressure. Late fees can apply if payments are missed.
A credit enquiry may be recorded with Equifax, Experian or illion as part of responsible lending. Recent account conduct carries the most weight.
Yes. There is no fee for early payout. Where interest or monthly fees apply, they are recalculated to your payout date, which can reduce the total cost.
No. MeLoan is not part of Centrelink or Services Australia.
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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