My Cash Online, we offer loans from $200 to $2,000 to help with all kinds of expenses including car repairs, medical bills, bond, dental work, travel and vet fee etc…

Applying is simple and we help you work out how much you can afford to borrow. Repayments can be scheduled to suit you and generally occur weekly, fortnightly or monthly.

18 years of age

Have online access to a bank account showing a minimum of 90days income

Be an Australian Citizen or Permanent Resident

Have a mobile number & email address

Have Stable income

As a responsible lender, we need to verify your identity and be confident that you can comfortably meet the loan repayments and that the loan is 'not unsuitable'.

With your approval, we will obtain your 90days bank statements from our authorised provider and carry out a credit check. We may request further documentation such as your photo ID, Centrelink statement to be part of our assessment process.

Click on Apply now.

For Small Cash Loans , our process is fast. You

1. Choose your amount from $200 to $2000, our smart tech will work out a loan payment structure and loan term for you to select.

2. We verify the details you have provided and quickly get back to you.

3. When approved and we accept your offer, we transfer the money to you.

Small Amount Loans

Establishment fee is 20% of loan amount.

Monthly fee is 4% of loan amount.

A dishonor fee of $12 will be charged each time you fail to make your scheduled payment. We will reattempt the repayment twice each payment cycle.

A daily default fee of $5 while your account remains in default.

There are no penalties for paying your loan out early.

Once you have submitted your application, we will verify the information you have provided and we may need to collect additional documents. As a responsible lender, we conduct various inquiries including a credit check as part of our assessment process.

We use an authorised third party company - Credit Sense to obtain your latest bank statements. This enables us to assess your application quicker. Be assured that we do not have any control of your bank account and your banking details are not storeed by us or Credit Sense. We take your security seriously and all your information on this site is well protected.

Once all our checks have been done, we get back to you and arrange for the funds to be transferred to your bank account.

Making your repayments is also easy. We will set up direct debit payments on a nominated date and send you a reminder a few days before.

There is no cost to you whatsoever if you are unsuccessful in getting a loan from us. You are welcome to come back when your circumstances change.

No! If you are current having unpaid default or discharged Bankrupt or Part 9 Agreement we will automatically decline the application.

Depends on how tech savvy you are but most people get the application done within 5 minutes or less! And after that, we can take up to 1 hour to complete the assessment process. Please Note: If we require any additional support during the application process, the time frame may be extended.

If you have any further questions, contact us through:


Phone: 1300 998 868

Mail: PO Box 163, Forest Hill Vic 3131