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Unexpected costs deserve a quick solution

Cover your emergencies with a same day loan approval
Apply for a loan now
Application requirements

ID, income proof, and residence bill

You will need an ID with a photo, proof of regular income, and a bill sent to your address to verify your residence.

Bank statement

Provide your bank statement from the last 90 days to verify your financial activity (you will receive the link on your email to upload it).

Residency requirement

You must be a resident of Australia to apply for a loan.

Testimonials

Very helpful and friendly staff

Very helpful and friendly staff always that'll help you quickly if your a repeat customer at least but they no their job and I've never seen any upset customers in the several times I've been in the old location plus new location just over the road store.
Steve C

Money centre have gone out of their way for me twice

Money centre have gone out of their way for me twice. The nicest people and prompt. Always a pleasure doing business there.
Robert Crawford

I can not fault this place or the staff

Kim is a delight to talk to, she always has a smile on her face. I can not fault this place or the staff, very nice people to deal with.
Marianne Taylor

I highly recommend them

I have had nothing but the best service with this place. They are very accommodating to my needs and care about whats best for the customer. I highly recommend them. Kim one of the staff members is amazing.
Jenny Hall

Their application process is the quickest bar none

These guys are always willing and able to help and their application process is the quickest bar none. They personalise their service and are understanding of any difficult situation that may arise and incredibly patient. If you are looking for a loan and the banks won’t help you definitely give…
Thanasis 88

Couldn’t speak more highly of this place.

Couldn’t speak more highly of this place. Have always been there to help out when needed. So reliable, efficient and nice. Sorry if I have missed anyone but a special thanks to Dorothy and Ewa. Always so helpful and respectful :)
Sam M

Get control over your money

Small amounts of cash for a short time is provided based on personalised needs as an instant finance solution.

Apply now

The numbers speak for us

25

years on the market

90

accomplished loans

500

clients

How it works

Apply Online or Visit Us In The Office

 Complete the form, submit all required documents and upload your bank statement for the last 90 days.

Approval, Review & Signing The Loan Contract

If approved, we’ll send you a loan offer. Review the contract, the terms and your repayment schedule. If you agree, sign the contract and return.

Receive Your Funds

Once we receive your signed contract, your loan will be deposited into your account or paid in cash. Repayments will be debited automatically on the agreed dates.

 

Who can apply for a cash loan?

To qualify for a personal cash advance, you must:



Be at least 18 years old and a resident of Australia
Have an active Australian bank account
Earn a minimum of $1,500 per month (including Centrelink payments)
Provide 90 days of bank statements if you’re a first-time applicant, or 30 days if you’ve borrowed from us before
Have a valid contact details for communication

Good to know

Before you apply for ashort-term personal loan

Loans term & amount

Our personal cash advances are usually for up to 4 weeks.

You can borrow from $300 to $2,000 depending on your eligibility.

One loan at a time

You must repay your current loan before applying again.

Centrelink welcome

Centrelink recipients may be eligible based on income and circumstances.

Transparent Costs

  • Establishment Fee: A one-time 20% fee is charged when setting up your loan.
  • Monthly Fee: A 4% monthly fee applies for the duration of your loan.
  • Missed Payments: A $35 dishonour fee applies if a payment is missed.

  • All fees and terms are clearly outlined in your loan agreement.

Frequently Asked Questions

Q. I can't send my statements using your portal. What do I do now?

 A. If your bank is not listed by our statement portal please let us know by calling us on 03 8799 2949 or emailing us:

You will need to fill out the application first.

 

 

Q. Do I have any other rights and obligations?

 A. Yes. The law will give you other rights and obligations. You should READ YOUR CONTRACT carefully first.

 

 

Q. Any other questions you want to ask?

A. If you have any other questions, please do not hesitate to ring or email Money Centre prior to accepting your contract.

 

 

Q. Can Money Centre take action against me?

 A. Yes, if you are in default under your contract.

Money Centre has a legal right to take action against a defaulting customer and adopts the following general policy, which it reserves the right to implement, in part or in whole, at it's sole discretion.

Money Centre personnel will attempt to telephone or email the customer shortly after a default, or breach of the contract, has occurred.

Money Centre reserves the right to re-direct debit the customer’s account, on the date the customer’s next pay is presumed to be deposited based on the information available to Money Centre. Such re-direct debit to be attempted for a period of up to 365 days after the default.

Money Centre will send a default notice by post and/or facsimile and/or email.

In the event that the customer has not remedied the default within 30 days from the date of the default notice, Money Centre will begin enforcement proceedings including, but not limited to, the engagement of the services of a mercantile agent to effect collection.

In addition, or in the alternative, after the issuing of the default notice and the expiration of 30 days thereafter, Money Centre reserves the right to commence legal proceedings in the appropriate court or tribunal. In such circumstances, Money Centre will seek an order for full indemnity for all costs, fees and charges incurred, plus interest associated with securing repayment of the credit advance.

It is the policy of Money Centre to list any defaulting accounts with our Credit Reporting Agency, Equifax. This listing will remain in your file for a period of 5 years and may affect any future credit applications with any other form of credit providers.

 

Q. What if Money Centre and I cannot agree on a suitable arrangement?

 A. Money Centre has in place an Internal Dispute Resolution Scheme. If this fails to solve your problem, you may be able to apply to the court. Or contact your state Department, or Office of Fair Trading/Consumer Affairs or get legal advice.

 

 


View all FAQ's here

About Us

Money Centre is a trusted small loan provider in Melbourne

We specialise in offering fast, transparent, and personalised small cash loans up to $2,000 to individuals across Australia.

Our mission is to empower you with short-term financial solutions that help you cover unexpected expenses promptly without stress.

The way we lend

Flexible repayment options

Tailored repayment plans that suit your financial situation.

Inclusive eligibility

We consider applications from individuals with diverse financial backgrounds, including Centrelink recipients.

Local Expertise

As a Melbourne-based lender, we understand the unique needs of our community.

Client-centric approach

Every aspect of our service is designed for you




Clear communication

All our loan terms are presented in plain English, free from jargon that is hard to understand.

Transparent costs

We disclose all fees upfront, no hidden charges.

Personalised support

Our credit representatives take the time to explain every detail, ensuring you fully understand your loan agreement.

We are here to help

Too busy to call? Send us a message

Make contact

4 Hewish Rd, Croydon VIC 3136 Australia

m. 0475 841 415
t.   03 8799 2949


Opening hours

Mon – Fri: 9am - 5pm
Saturday: 9am - 12pm
Sunday: Closed