How much do you need?

Weekly Payments

4 x $155

Fortnightly Payments

2 x $310

Monthly Payments

1 x $620


The repayment frequency will match your income cycle. The total to repay is the same for each cycle.


Cash loans on line + on time

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.

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How do I apply?

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.

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How does it work?

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.

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Do you have an ABN?

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.

ABN Loans





Frequently Asked Questions

HOW DO I RECEIVE MY LOAN?

Your MiFinance loan will be transferred straight into your bank account once you have been approved.

HOW MUCH DOES IT COST?

Our loans have the following simple cost structure:
  • 20% of principal amount (establishment fee)
  • 4% of principal amount per month.
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.

WHAT HAPPENS IF I DO NOT REPAY ON TIME?

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.

ARE THERE ANY RENEWAL FEES?

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.

WHAT IS RESPONSIBLE LENDING?

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.

HOW DO I CONTACT MiFinance?

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
Email: apply@mifinance.com.au