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Quick Loan

Quick Loan

A quick loan is designed to help you out when you most need them and are therefore typically assessed, approved, and disbursed on the same day as they are applied for.

Payday Loan

Payday Loan

A payday loan is a quick form of finance that is repaid in one payment, usually on your next payday. Its principal is typically a portion of your next paycheck.

Online Loan

Online Loan

Online loans let you complete the entire borrowing process, from prequalification to loan funding, without ever setting foot inside a bank branch. MyCashOnline is a 100% online lender which is a straightforward way to borrow.

Fast Cash Loan

Fast Cash Loan

Fast cash loans are salary loans and personal loans that can be approved in as fast as 10 minutes to just a few days. It’s the ideal financial support for your emergencies.

Cash Advance Loan

Cash Advance Loan

A Cash Advance loan is a quick, small loan that is repaid on your payday or over multiple paydays on a repayment schedule.. It also features fast approval and quick funding.

Bad Credit Loans

Bad Credit Loans

A bad credit loan is an amount of money lent to someone with a poor credit rating. This allows people to borrow funds without the automatic judgment and denial that often comes from many financial institutes.


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*Disclaimer & Example: For our Small Loans of $2,000 or less, an APR (Annual Percentage Rate) doesn't apply. These loans are fee-based only with a term between 62 and 180 days, and so the APR is 0%. The establishment fee is 20% of the amount borrowed and the monthly fee is 4% of the amount borrowed. Representative example: a loan of $1,000 repaid over 3 months equates to a total amount payable of $1,320 comprised of $1,000 principal (amount borrowed), $200 establishment fee and $120 in monthly fees. The maximum comparison rate on loans between $300 and $2000 is 199.43%.
For our Medium Loans between $2,100 and $5,000, with a term between 2 months and 12 months, the maximum Annual Percentage Rate (APR) is 48% (Comparison rate 65.6597% p.a.) and there is a $400 Establishment Fee. A Medium Loan of $3,000 borrowed over 1 year would equate to a total amount payable of $4,289 (including a $400 establishment fee).

Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR %). The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.

© 2023 Owned by Australian Synergy Finance Pty Ltd, ABN 54 613 655 646. Australian Credit Licence 490422. The information on this webpage is general information only and does not take into account your objectives, financial situation or needs.