Apply for an Instant Cash 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. When approved during business hours, we aim to have money in your account in about 60 minutes so you can sort the problem and move on.

Why MeLoan Is Your Go-To for Instant Cash

Instant Decisions During Business Hours

When money is time sensitive, waiting days is not an option. Our digital checks run during business hours so you get a quick outcome. We review income, regular expenses and recent account history, then present a clear offer instead of sending you back and forth for more paperwork.

Funding in 1 Hour After Approval

Speed is built into our process from the start. Once you accept the offer, we trigger the transfer straight away and keep you updated. The aim is to help you cover the urgent cost, steady your week and get back to normal quickly.

Clear Costs Before You Accept

You should know exactly what you are agreeing to. Your offer displays the amount, any fees and every repayment date in one place. You pick the smallest amount that solves the problem and a schedule that fits your pay cycle.

Built for Mobile from Start to Finish

You can start, upload and sign on your phone. The application feels simple even when life is not, and you do not need to visit a branch. Secure uploads and electronic signing keep things moving.

Friendly to Casual and Gig Workers

Income can be steady even when shifts change. We look at recent banking to confirm a pattern, not just a job title. If the schedule fits your budget, we will say so and set dates that work with your pay.

Consideration for Applicants with Bad Credit

A past mistake does not define you. We focus on your current position and whether the repayments are manageable today. If the amount requested looks tight, we may suggest a smaller figure so the plan is realistic.

How Instant Cash 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.

Instant Cash Loans Eligibility Requirements and Documents

• Eligibility - 18 or over, Australian resident, regular income, 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.
• Documents - government photo ID, recent income proof and the last 90 days of bank statements 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 and unreadable images can push the review back a step. Name mismatches between your application and bank account also cause delays. Timing matters as well. Applications lodged after hours, on public holidays or with first time payee holds can take longer to land.

Instant Cash Loan Snapshot

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 Practices and Independent Help

We lend responsibly under Australian credit law. Applications are assessed under the National Consumer Credit Protection Act 2009 and the National Credit Code, and ASIC oversees licensing and conduct. If we cannot resolve 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.

For privacy and data rights, see the Office of the Australian Information Commissioner at oaic.gov.au.

Frequently Asked Questions About Instant Cash Loans

Who Can Apply for an Instant Cash Loan?

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

How Much Can I Borrow and for How Long?

From $500 to $5,000 over 2 to 6 months. Repayments can be weekly, fortnightly or monthly to line up with your pay cycle.

What Documents Do I Need?

Government photo ID, recent income proof and 90 days of bank statements. Secure uploads make it quick to submit everything in one go.

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. We also review recent banking to confirm the schedule is manageable.

Can I Apply If I Receive Centrelink Income?

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

Can I Be Approved with Casual or Variable Work?

Yes. We look at recent banking for a consistent income pattern. If the schedule needs a tweak to match your pay, we will set dates that fit.

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, which can reduce the total cost.

What If I Cannot Make a Repayment?

Contact us early. Support under the National Credit Code may be available to ease pressure 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.