Get a Cash Advance That Fits Your Pay Cycle

When a must‑pay bill lands days before payday, a small, scheduled cash advance can steady the week without upending the rest of your budget. MeLoan offers $500 to $5,000 over 2 to 6 months with weekly, fortnightly or monthly repayments. We look at today’s affordability from your income, essential costs and recent banking, then show the total cost and every repayment date before you accept.

Cash Advances Can Be Short‑Term Boosts When Money Is Tight

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.

Why Apply with MeLoan

Quick Outcomes During Business Hours

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.

Licensed and Australia‑Wide

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.

Clear Pricing Before You Accept

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.

Real Support, Real People

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.

How a Cash Advance Works at MeLoan

1. Start your application online and consent to checks.
2. Upload identification, recent income proof and 90 days of bank statements.
3. CashPal assesses affordability and, if approved, presents an offer that shows the total cost and every repayment date.
4. Accept when ready. We send the payout and set up direct debits to your chosen schedule.

Eligibility and Documents

• Eligibility – 18 or over, Australian resident, regular income, and a transaction account in your name. A credit enquiry may be recorded with Equifax, Experian or illion.
• Documents – Government photo ID, recent income proof and the last 90 days of bank statements for your main account.

Costs, Terms and Early Payout

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.

Cash Advance vs Credit Card Cash Advance

Alternatives to Consider Before You Borrow

• Employer wage advance – Ask about accessing part of your pay early.
• Hardship with providers – Utilities, telcos and some creditors can extend due dates or set up payment plans.
• No Interest Loan Scheme (NILS) – Community providers offer no‑interest loans for essentials if you are eligible.

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.

Approval Timing: What Helps and What Can Slow It Down

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.

Your Rights and Where to Get Help

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.

FAQs About Cash Advances

Can I draw a smaller amount than I first requested?

Yes. You can request a lower amount before accepting the offer so the repayment sits comfortably in your budget.

Can I change repayment dates if my pay cycle shifts?

Often, yes. Contact us ahead of the due date and we can move dates or switch frequency between weekly, fortnightly or monthly.

Do you accept joint bank accounts?

We can, provided you are a named account holder and the name on your application matches the bank record.

Can I extend the term if I run into trouble?

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.

Can I top up the loan later?

Top‑ups are not automatic. We reassess to confirm any extra amount would remain affordable. Often, finishing the current loan first is safer.

How are extra repayments treated?'

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.

Will multiple applications improve my chances?'

No. Multiple applications can slow things down and add enquiries. Apply once with complete documents.

Do you consider casual or gig income?

Yes. We look for a consistent pattern of banked income over the last 90 days, even if shifts vary.

Will you record a credit enquiry?

A credit enquiry may be recorded with Equifax, Experian or illion as part of responsible lending. Recent account conduct carries the most weight.

How quickly will I receive the funds after approval?

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.