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Whatever the reason, MiFinance can help you with a short term cash loan. Whether you’re looking for a quick cashflow fix, or need to buy that birthday or special gift then apply online now. For amounts between $100 to $800 we can help you. If you are approved we can transfer the loan into your account so it is available for you to use for your emergency.
If you’re over 18 years old, been employed in your current job for over 3 months and are an Australian resident , then you can apply here now and we can deposit funds directly into your bank account, no hassle, no fuss. Our application is simple and fast and gives us all the information we need to assess and make an offer to you for a loan.
Once you’ve filled out the required details, we will need to see the last 90 days of bank statements of the bank account you get paid into. This is all done online within minutes via our secure site. In most cases we can verify your information online but occasionally we may need to contact you or your employer to verify some of the details and we may require some ID. We will contact you if there is any further information we require. Once your details have been confirmed we will contact you to let you know your loan has been approved. We'll transfer the money to your account on the same or next business day! If you want to learn more about How it Works or for details of our Loan Costs or FAQ's then follow the links.
Sole operators and subcontractors may need a small loan for business purposes. You can choose to apply in your own name as normal but you might prefer an ABN loan for business purposes, guaranteed by you. You can read more on ABN Loans.
Your MiFinance loan will be transferred straight into your bank account once you have been approved.Our loans have the following simple cost structure:
There is NO Interest charged on our loans. The easiest way to see how much your loan would cost is to go to our Loan Costs page.
If you can’t repay on time please let us know immediately so we can reschedule or adjust the repayment to assist you. If we agree to a request to reduce a payment amount the fee to do so is $20. The fee for missing a repayment or for dishonouring one is $30. We’ll always try to contact you if there is a missed or dishonoured payment, to give you an opportunity to catch up or to work out an affordable arrangement. We do not charge any fee for being in arrears. If we can’t recover a debt after 60 days overdue we may pass it over to our external collections partner and you may have a default placed on your credit file that impacts your credit history for up to 5 years. So it’s best to always communicate with us if you are having trouble repaying so we can work something out together.There are no renewal fees. MiFinance does not renew loans by rolling them over or by refinancing the loan. You can apply for a repeat loan though. It is usually much quicker to apply, and be approved for a repeat loan if you’ve successfully settled a loan before. We have a Returning Customers tab to assist you.
We are required by law to make reasonable inquiries about your requirements and objectives in relation to any credit contract suggested or recommended by us; and about your financial situation. We are also required to take reasonable steps to verify your financial situation, to make a preliminary assessment as to whether any credit contract suggested or recommended by us is unsuitable for you, and to not provide you with credit which is unsuitable.Suite 9, Professional Centre, Smiths Rd St Ives Shopping Centre Goodna, 4300, QLD P.O. Box 40 Goodna, QLD, 4300 Phone: 1800 825 805 Fax: 07 3818 0644
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*THE OPERATOR OF THIS WEB SITE IS NOT A LENDER, does not broker loans to lenders and does not make short term cash loans or credit decisions. It is not an agent, representative or broker of any lender and does not endorse any lender or charge you for any service or product. This Web Site does not constitute an offer or solicitation to lend. This site allows you to submit the information you provide to a lender. However, providing your information on this Web Site does not mean that a lender will be able to work with you or that you will be approved for a short term loan. Cash advances should only be used by you to solve immediate cash needs and should not be considered a long term solution. Not all lenders can provide up to $2,500. Cash transfer times may vary between lenders and may depend on your individual financial institution. For details, questions or concerns regarding your short term cash loan, please contact your lender directly. Lender services may not be available to residents of all states based on individual lender requirements. This service is not available in New York or to New York borrowers due to interest rate limits under New York law.
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