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Are you looking for a cash advance to manage payments or simply need a little extra money in hand? We have a range of personal loans and a line of credit option designed to ensure you get cash loans fast. Or if it’s some funds you need to tide you over until you get your next paycheck, you may access our credit products to help you stay on top of your cash flow.

As a money lender dedicated to addressing Gen Now’s need for quick and convenient finance, we specialise in short and no-nonsense online applications, quick approvals and fast cash straight into your account. You can apply online in a matter of minutes to qualify for the same day cash loan you need right now.

What is a cash advance?

A cash advance traditionally refers to when a company offers its employees the ability to claim their pay before their next salary date. In the online credit world, however, a cash advance can also refer to any same day loans readily available to ensure that customers receive the cash they need as soon as possible, often within the same day of applying and getting approved for their cash loan.

MoneyMe has been changing the field of play in providing cash advance loans by making it more flexible rather than having very high interest and stiff repayment options. We specialise in online easy loans of up to $50,000 with competitive interest rates and very fast approval times.

With our advanced loan management platform, you get to experience a loan application process that is low doc, customer-friendly and much faster than your bank. When we say quick loans, we really mean it. Complete your online small loans application in a matter of minutes, get approved fast and have the funds in your account in as little as 60 seconds.

You can use your small personal loan as a cash advance and repay it ahead of your scheduled repayment. We don’t charge early payout fees, so you don’t get stung for repaying your credit in full sooner rather than later. We also keep your repayments in line with your pay cycle to avoid getting caught with late fees for your cash loans online.

What is a cash advance fee?

Sometimes, short term loans in the form of a cash advance may tend to charge quick loan fees higher than expected. The way personal loan interest rates work means that a money lender may charge you more fees and charges when your unsecured personal loan is taken over a longer loan term. Interest fees on unsecured loans are charged monthly based on a per annum (yearly) interest rate so the longer a credit customer decides to take their personal loans Australia out for, the higher the interest rate you may get.

If you’re looking to apply for express loans and would like to find out how much interest you would be charged, you can use our personal loan calculator. You simply select the amount you wish to borrow and your preferred repayment duration, then you’ll get computations on the spot. The personal loan repayment calculator will show what your monthly repayments will be and the total interest payable over the loan term. This is a great way to get a rough answer to every credit searcher’s first question: “How much can I borrow?”

Cash advance loans are most likely to be used for time-sensitive emergency payments. The good thing is that MoneyMe has a complete suite of loan products designed for just those moments. If you are a tenant looking for a new rental property, then you may be facing quite a lot of upfront costs associated with your relocation. You will need to pay the rental bond on your property, removalist costs and cleaning costs for your previous rental. On top of that, you have to pay double rent for a short time while you finish your relocation. 

We offer a bond loan and rent assistance credit designed to help take the strain off your moving experience. Apply online with MoneyMe and receive all of the funds you need to secure your new property and comfortably move out of your old one. Repay your loan with flexible and tailored loan repayments. And when the bond returns from your previous property, you may put it against the loan amount you borrowed from MoneyMe to save yourself some interest.

Student loans from MoneyMe will help you secure your educational future and enjoy perks like early-bird discounts for being up to pay for your full tuition immediately. Use your study loan to help you cover the costs of other tuition-related costs like a personal computer, research project costs or learning tools you need for your studies.

A cash advance can also come in handy for emergency costs related to home repairs or if you’re looking to invest in quality home improvement projects. Apply for our renovation loans to secure yourself up to $50,000 to address necessary repairs and upgrade your living space.

Freestyle: The Virtual Credit Account

If it’s easy, any-time access to fast cash that you’re looking for, we’ve got you covered. Meet Freestyle: Australia’s first virtual credit account. Unlike a traditional credit card that you have to keep in your wallet, Freestyle is virtually stored inside your smartphone and offers you a revolving line of credit of up to $10,000. Powered by Mastercard, it works like a virtual credit card that you can use to Tap n Pay in-store, shop online and transfer money straight to your account and more.

Unlike cash advance loans, your Freestyle Virtual Credit Account offers you endless funds to draw on up to your pre-approved amount. Every repayment frees up new credit you can use again. It offers you quick cash advance funds you can draw multiple times without even needing to undergo another online application process. You’ll always know that there’s money available whenever any urgent upfront payment comes along. You can even book holidays or take advantage of sales on flights and accommodation, knowing you have funds at your fingertips. 

If you’re planning an epic trip across the globe, you may apply online for a travel loan. You can apply for the total cost of your travel, get fast approval and start booking your flights and accommodation before the slots run out! Pay for everything upfront and then repay your travel bookings at your own pace with steady monthly payments. We’ve made access to cash fast and easy, so you won’t have to wait up for your savings or miles to be available to turn your dream getaway into a reality.

For big-ticket purchases like vehicles, you may opt for our boat loan and car loan. With unsecured loans for up to $50,000, you can finally own your dream vehicle and sail away with your new boat sooner rather than later. 

MoneyMe offers fast and simple cash advance for people who need money right now. Our interest rates are competitive, our loan options are flexible, and we are a completely online company dedicated to ensuring fast and hassle-free loan applications for all of our customers. If you need money right now, then start applying online and submit your application in a matter of minutes.

Advance Loans

Advance loans, also called cash advance loans or small payday loans, are financing options that help you pay emergency expenses such as car or home repairs, medical bills, and unplanned travels. These short term loans have variable interest and often have a maturity of a few months to one year, depending on the repayment terms.

At MoneyMe, we offer advance loans that come with low interest rates and favourable terms to help you cover unexpected costs without causing financial constraints. As a responsible lending company, we ensure that our borrowers can only tap into a loan amount that they can conveniently repay without overextending themselves.

Where can I get a fast cash advance loan?

If you’re looking for quick cash loans that come with a no-hassle application and fast lending decision (within the same day), visit MoneyMe and check out our wide range of financing options that have the 

lowest interest rate loans. We’re able to offer borrower-friendly repayment terms and rates because we don’t have expensive offices and other overhead costs related to managing a physical location. In fact, everything we do is online, from the application and approval process to money transfer. 

As one of the most innovative money lenders to date, MoneyMe’s application process for advance loans is quick and paperless. No need to submit your payslips, printed bank records, and other documents that take time to secure. All you have to do is fill out our online application with your personal and bank details, a process that only takes between three and five minutes. 

What is a cash advance loan?

A cash advance loan is a personal loan that you typically pay within a few months or one year, depending on your lender’s specified conditions and your preferred duration. This type of financing helps borrowers cover the cost of unexpected events and when used judiciously can even improve their financial situation. 

How to get a cash advance loan?

To start our online application for advance loans, visit MoneyMe and click the ‘Apply Now’ button that will bring you to an application form where you need to fill out with your bank and personal information, including your company name, employment status, monthly income, living expenses, debt obligations, and loan duration and amount. With these details, we can decide whether the loan amount you’re asking for is feasible in your current financial situation. 

You also need to provide us with your bank details when you borrow from us so we can view the read-only snapshots of your most recent bank transactions. Please note that we’re using a safe and secure portal called illion Open Data Solutions that allows us to see your bank statements but not your log-in details such as password and username. At MoneyMe, your data is protected and used in accordance with the law. 

Thanks to smart data, when you submit your fast loans application, we can make same-day lending decisions. Once approved, you can expect your funds to reach your bank account within 60 minutes. 

What do you need for a cash advance loan?

If you want to speed up your application process, you need to provide your bank details. By allowing us to view your most recent bank transactions, we can assess if you can conveniently repay your requested amount based on your monthly income, cash flow, and debt obligations. 

As a responsible online lending company, we also review our borrowers’ credit history, especially their payment history. Nevertheless, having a mark on your record does not mean we will automatically decline your application. At MoneyMe, we look at your entire financial situation to come up with the fairest decision. That’s why we also require you to submit your monthly income, debt obligations, and living expenses. 

We also need your bank details to make it easy and convenient for you to repay your loan through direct debits so your repayments are scheduled according to your pay cycle. With this arrangement, you can avoid accidentally missed payment and its penalties. 

In addition, to be eligible for our advance loans and new credit cards, you need to be at least 18, currently employed, and an Australian resident. 

What is a loan advance?

Some unexpected events can throw off your budget. Fortunately, there are financing options like advance loans that can help you cover emergency expenses like medical bills, home appliance replacements, car repairs, moving costs, and family emergencies. 

At MoneyMe, we have a repayment calculator that allows you to determine the amount you can comfortably afford to repay on a regular basis. Simply select the requested amount (between $5,000 and $50,000), your preferred duration (between six months and three years), and your repayment frequency, which can be either weekly or monthly. 

To learn more about our money finance and eligibility requirements, visit MoneyMe now. Our online platform also offers tools such as a personal loan calculator and repayment calculator that can help you stay on top of your finances.

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Cash advance


MoneyMe is a small, responsible finance provider offering cash loans to Australians minus the paperwork, long wait times, hidden fees and fine print. At MoneyMe, we aim to revolutionise the way people access cash advance online.

Cash advances with MoneyMe

Whether you need a cash advance for something special you’ve been saving for, or just need a little extra, MoneyMe allows you to access cash whenever and wherever you want.

MoneyMe’s lending process involves a five-minute loan application and our personal cash loans range from $5,000 to $50,000. Once your loan is approved, your money can be with you in just 60 minutes, depending on your bank. Please note that applications made outside of business hours may take longer.

Repay your loan on time and you will build a good MoneyMe credit history. This may allow you to borrow more money whenever you need it.

Paying us back

Our cash solutions are only made possible if you pay us back. We make every attempt to lend you money responsibly so that you are able to pay us back without any difficulty. The cost of your loan is straight forward and there are no surprises.

MoneyMe makes repaying your loan simple and easy. During the loan approval process we will set up your direct debits. Repayments will be scheduled according to your pay cycle. Concerned you will miss your repayment date? The MoneyMe customer service team is available via phone, email, live chat, Facebook or Twitter to help resolve any issues you may be having

The MoneyMe way

To borrow through the bank you will typically have to gather pay slips, bank statements, or other time-consuming documentation, as well as waiting some time for approval. The MoneyMe way is different – using illion Open Data Solutions we securely obtain your recent bank statements in seconds. Along with your personal details, this is all the information we need to process your loan. You can be assured we will keep all your information safe and secure.

With MoneyMe, it is very easy to Improve Your Loan Eligibility and you can get cash fast via our Easy Application Process.

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