Apply for a 1 Hour Loan at MeLoan

An urgent bill should not derail your week. Apply with MeLoan in minutes for $500 to $5,000 and choose a 2 to 6 month term with repayments set weekly, fortnightly or monthly. We assess today’s affordability from your income, expenses and recent banking, then show the total cost and every repayment date before you accept. Once your loan is approved during business hours, MeLoan aims to have money in your account in about 60 minutes so you can sort the problem and move on.

Why MeLoan Is Your Superstar of Loans in 1 Hour

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.

Fast Assessment That Runs in Minutes

Our digital checks review income, expenses and recent banking quickly during business hours, so you are not waiting days for an outcome.

Funding in 1 Hour After Approval

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.

We Present Clear Costs Before You Accept

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.

Our Process is Built for Mobile from Start to Finish

Apply on your phone, upload documents securely and sign electronically. No branch visits or paper packs.

How 1 Hour Loans Work at MeLoan

1. Start the application online and consent to checks.
2. Upload identification and recent income proof along with 90 days of bank statements.
3. We assess affordability and, if approved, present an offer with the total cost and every repayment date.
4. Accept when comfortable and we trigger the transfer. Repayments are collected by direct debit on the schedule you choose.

1 Hour Personal Loans Eligibility Requirements and Documents

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.

Have these documents ready:

1. Government photo ID
2. Income proof - recent payslips or other evidence such as benefit statements
3. Bank statements - the last 90 days for your main account

How to Speed Up the Loan Approval and What Can Slow It Down

Speeding Up the Process

• Complete documents - clear ID, recent payslips and full bank statement pages
• Name match - the application name matches your bank account name
• Business hours - lodge the application and accept the offer during business hours

Detriments to the Speed

• Missing files - unreadable images or partial bank statement pages
• Mismatches - different legal names on your application and bank account
• Timing - public holidays, after hours or first time payee holds

Fees, Terms, and Early Payout

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.

Responsible Lending and Help

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.

Independent Resources

• MoneySmart - guidance on loans and managing debt
• AFCA - complaints assistance: 1800 931 678
• National Debt Helpline - free financial counselling: 1800 007 007
• ASIC - information about licensed lenders
• OAIC - privacy and data rights

Frequently Asked Questions About 1 Hour Loans

Who Can Apply for a 1 Hour Loan?

Australians aged 18 or over with regular income and a transaction account in their name. Approval depends on affordability checks.

How Much Can I Borrow and for How Long?

From $500 to $5,000 over 2 to 6 months with weekly, fortnightly or monthly repayments.

What Documents Do I Need?

Government photo ID, recent income proof and 90 days of bank statements for your main account.

How Fast Are Payouts Sent After Approval?

For approved applications accepted during business hours, we aim to have money in your account in about 60 minutes.

Will Applying Affect My Credit File?

A credit enquiry may be recorded with a credit reporting body such as Equifax, Experian or illion.

Can I Apply If I Receive Centrelink Income?

Yes. Centrelink income can be considered alongside other income and expenses to confirm a manageable schedule.

Can I Be Approved with Casual or Variable Work?

Yes. We look at recent banking to confirm a consistent income pattern and an affordable schedule.

Can I Repay Early and Does It Reduce the Cost?

Yes. There is no fee for early payout. Where interest or monthly fees apply, they are recalculated to your payout date.

What If I Cannot Make a Repayment?

Contact us as soon as possible. Support under the National Credit Code may be available while you get back on track.

Are There Limits on What I Can Use the Loan For?

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.