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My Cash Online, we offer loans from $2001 to $10,000 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 $2001 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.

Medium Amount Loans

Establishment fee 400$.

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.

Variation Fee- $15 per Variation, when you require the repayment date or amount to be changed for any reason.

Additional monthly fee will be charged if loan term extended.

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:

Email: admin@mycashonline.com.au

Phone: 1300 998 868

Mail: PO Box 163, Forest Hill Vic 3131

As a responsible lender, we do carry out a credit check on eligible applicants. We are more lenient than traditional institutions such as banks; however, we too have ideals to follow. As long as your current financial situation is looking good, we will happily consider your loan application. Our loans are based on your capacity to meet your loan repayments and future credit worthiness.

No, you do not qualify to apply with us if you are currently Bankrupt. In order to qualify for a My Cashonline loan, you must have a credit score and have been discharged from any form of bankruptcy for at least 3 years. This includes Part 9 (IX) Debt Agreements.

No, you do not qualify to apply if your sole source of income is Centrelink benefits.

We require the majority of your income to be paid by an employer. The income must be paid into your bank account on a consistent and regular basis. There will be scenarios where we may need to conduct an employment check with your employer.

In order to qualify to submit an application, you must be an Australian citizen or permanent resident of Australia.

This is verified once your application has been submitted and we conduct a credit assessment.

No, you do not qualify to apply if you had bad Credit socre in your Credit report.

Yes, you can make additional repayments on your loan at no additional cost. Our banking detail was in the customer port, please login.

We offer flexible loan repayment schedules that align with your paycheck. So you can make automatic repayments weekly, fortnightly, or monthly to fit your pay schedule.

We offer same day approval on our loans during business hours. And as long as we get all the requested documents and information, you should have your loan paid out within the hour. Read our guide on getting instant approval for a personal loan.

Yes. If you have other small personal loans, car loans, or any other type of loan, you can still apply for a small cash loan with Swoosh. As responsible lenders, My cashonline will only approve your application if we believe you can afford to repay your loan.

A secured loan uses an asset, often a car, as collateral for your loan. Whereas an unsecured loan does not use any type of asset as security. The increased risk to the lender means unsecured loans tend to come with higher interest rates. Read more on the difference between secured and unsecured loans.

It’s simple, fast, and easy to apply and get approved for a secured loan with us. As long as we have all the information we need, you could be approved the same day you apply.

Yes. At My Cashonline, our loan application process is 100% online.

When applying, we ask that you consider your situation and apply only if you’re confident you’ll honour your promises to us. Once you’re approved for a Swoosh loan, it is your responsibility to ensure you have sufficient funds in your account on your scheduled repayment dates. Swoosh may send you an SMS to remind you when your repayments are scheduled to be processed so you can ensure you have sufficient funds available. Learn more: What are my responsibilities

If you apply outside of business hours, we will review your application as quickly as possible the next business day. We may need to contact you to verify details or obtain extra information and documentation. The quicker you respond, the quicker we will be able to approve and process your loan.