Cash Advance Loans

Do you require a cash loan to pay bills or clear debts? Do you need instant money to finance your extra needs? MiFinance can provide you with a rapid cash advance. We are Australia’s most reliable small cash lending business. With a lightning-fast online loan application and approval process, we make cash advance loans simple. If you live in Australia and are in desperate need of cash, give us a call right now to apply for a personal cash advance loan with no hassles. Apply now!

What is a cash advance loan?

Simply put, a cash advance loan is a personal loan that is either secured by an asset or unsecured. Once your cash advance loan is approved, you will receive your funds immediately to your bank account. You can apply for a cash advance loan for $500 that extends up to $5000 over 12 to 24 months.

What does a cash advance loan mean to our customers?

You can get money instantly in your account if your cash advance loans get approved. MiFinance can usually help you secure same-day approvals since we understand that you need a cash advance when you need it now, not in three or four days. Our cash advance works just like a simple payday loan.

What we provide at MiFinance

Easy online application

We will put the money directly into your bank account as soon as your cash advance loan is approved. It’s the quick and easy way to get the money you need in an instant. You can apply for a cash advance loan from any device with an internet connection. There is no paperwork to do, and it only takes a few minutes.

Our application process has been created and developed to ensure that you can apply online easily. This eliminates the need to fill out lengthy, confusing forms. After you submit your online application, you will be contacted by the best-suited lender to help you out.

Licenced lenders

Most clients ask for a cash advance loan when they find themselves in a scenario requiring additional funds for a specific reason. This may include dental or medical bills, car repairs, emergency travel, and more. We at MiFinance, prefer responsible lending. As a company, we match our clients with suitable lenders by ensuring that the lender is comfortable with the amount borrowed by the client. As a company, we find lenders tailored to match your needs.

No hidden charges

We prefer to be transparent about our fees and charges to our clients. A 20% establishment fee and a 4% monthly fee are common for all our loans. There are no hidden fees in any of our cash advance loans. Before you apply for a cash advance loan, you should analyse all the information carefully.

Steps to apply online for a cash advance loan

  1. Apply online – We’ll do a quick assessment of your documents and let you know if we can help you in just a few minutes.
  2. Check and confirm – We will match you with the most suitable lender. You’ll get a chance to recheck the terms fees. You can back out anytime you want.
  3. Approval – Once approved, you can get cash in your bank account within hours.
  4. Repayments – You can pay us back according to the predetermined repayment schedule.

Eligibility criteria

  1. You must be of at least 18 years old.
  2. You must be an Australian resident.
  3. You must have had a regular income for the last 90 days.
  4. You must have a valid mobile number and email ID.

Why choose MiFinance over other lenders?

Bad credit scores don’t matter

We at MiFinance believe in your hardship and are willing to look beyond your bad credit score. You can apply for cash advance loans despite having a bad credit history.


We are upfront about our fees and charges. A 20% establishment fee and a 4% monthly fee are standard in the market, and we stick to them for all of our cash advance loans. Our website mentions a comparison rate for each cash loan under respective loan applications. It also mentions interest rates for each loan. Both of these change with the amount borrowed. Apply for personal loans only after reading about our fees carefully.

Fluid loan application

Our online application process is user-friendly, quick, and easy. We understand that if you apply for quick cash, you want the application process to be swift.

Licensed and experienced

We, as a company, strictly adhere to the National Consumer Credit Protection Act 2009, and we only hire lenders with an Australian credit licence. You can trust us to get fast cash in your account securely.

Flexible loan amount

We offer a wide range of loan amounts. You can borrow small loans for around $500 with a short repayment window. Or larger amounts (like $2,000 or more) can be borrowed in cash advance loans with comparatively more frequent repayments.

Adjustable payment options

Are you concerned about repayments? Before you apply for the loan, you have the ability to choose how frequently you will make repayments. If you face any trouble with your payment, call us at 1800 825 805, and we’ll try our best to alter the payment schedule in your favour.

Customer service

If you apply for a cash loan for the first time to manage bills and debts and feel confused, talk to a free consultant from our team. Our team is skilled and has guided many customers to obtain suitable cash advance loans.

If you are looking for small loans and an easy and simple process, visit MiFinance’s website and apply now!


Is a cash advance going to cost me twice as much?

No, cash advance interest rates are fixed fees. For sums up to $2,000, you must pay a 20% establishment fee and a monthly fee of 4%.

I am on Centrelink, so am I eligible for cash advances?

Yes – you can apply to deal with your short-term small amount finance needs, but you can access our service only with proof of a consistent form of income for the last 90 days.

What if I have poor credit?

We try our best to ignore our customers’ credit scores, but we suggest talking to our free consultant before accessing our personal loans.

When can I get my small personal loan money?

This solely depends on your lender. Even with an Australian credit licence, you and your lender may have accounts in different banks. In that case, it may take longer than usual for the funds to reach you.

How do I pay my cash loan back?

You can choose direct debit for a small amount, or an alternative method can be used only after speaking to one of our consultants.