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Money Plus Cash Loan

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Money Plus Cash Loan
Maximum loan amount
Turnaround time
Within 30 minutes
Term of loan
13 - 21 weeks
Do you really need a loan today? If you would like to speak to someone about your finances you can call the free National Debt Helpline on 1800 007 007.


You can borrow between $100 and $6,000 online or in-branch. Turnaround times are fast, but this loan has high fees and charges.

Money Plus is a short-term cash lender. You can apply for a loan up to $5,000 online or up to $6,000 in-person at one of their branches located in NSW and WA. Loan terms are short, starting from 13 weeks with a maximum of 21 weeks. Bad credit borrowers can apply, and approval takes five minutes. This loan is expensive, and for loans up to $5,000, there is an establishment fee of 20% and a monthly fee of 4%.

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Product Details

Product Name Money Plus Cash Loan
Minimum loan amount $100
Maximum loan amount $6,000
Loan term 13 - 21 weeks
Turnaround time Within 30 minutes
Available to Centrelink Borrowers? No

⚠️ Warning about Borrowing

payday-warningDo you really need a loan today?*

It can be expensive to borrow small amounts of money and borrowing may not solve your money problems.

Check your options before you borrow:

  • For information about other options for managing bills and debts, ring 1800 007 007 from anywhere in Australia to talk to a free and independent financial counsellor
  • Talk to your electricity, gas, phone or water provider to see if you can work out a payment plan
  • If you are on government benefits, ask if you can receive an advance from Centrelink: Phone: 13 17 94

The Government's MoneySmart website shows you how small amount loans work and suggests other options that may help you.

* This statement is an Australian Government requirement under the National Consumer Credit Protection Act 2009.

How does a Money Plus Cash Loan work?

Applicants can submit their application online and can apply for between $100 and $5,000. If someone needs more funds, they can head into a Western Sydney Money Plus branch to apply for a loan up to $6,000.

Successful applicants will have between 13 weeks and 21 weeks to repay this loan. The repayments will be automatically deducted from a nominated bank account supplied by the applicant.

Features of a loan from Money Plus

Some of the features of this cash loan include:

  • Loan amount. Loan customers are able to access $100 to $5,000 if they apply online and $100 to $6,000 if applying in a Money Plus branch.
  • Apply online or in-branch. Applicants can choose whichever suits them best. However, keep in mind that online application amounts are limited to $5,000.
  • Branches located in NSW and WA. Customers can apply for a loan up to $6,000 at one of Money Plus's 12 branches, either at their two branches in Western Australia or one of their 10 branches across Western Sydney.
  • Weekly repayments. Successful loan applicants will be required to make repayments on the amount that they owe weekly.
  • Loan terms. The loan terms start from 13 weeks and have a maximum term of 21 weeks.
  • Approval in five minutes. If someone applies using the online application, they will know the status of their application within five minutes of completing the application.
  • Straightforward eligibility criteria. Customers can find the eligibility criteria on the website in order to be sure of whether they will be able to apply for this loan.
  • Bad credit applicants are considered. Bad credit isn’t an issue, but applicants must be earning a minimum of $250 a week to be considered for this loan.

Fees and charges

Some of the fees that people can expect to be charged once they receive their cash loan include:

  • An establishment fee. This fee is 20% of the amount that they have borrowed.
  • A monthly fee. This fee is 4% of the amount that has been borrowed.

A full schedule of fees will be provided once someone has been approved for the loan amount that they want to borrow.

Money Plus Cash Loan eligibility

When applying for this loan applicants should ensure that they have the following information ready:

  • Must be working and be prepared to put down the details of their employer in their loan application
  • Must earn at least $250 net per week
  • Their salary or wage must go electronically into a bank account

If they apply in-branch, they need:

  • 100 points of identification, which includes a Medicare card and an Australian driver’s licence
  • Bank statements that show 90 days worth of transactions

How to apply

The application process remains the same whether someone applies online or in-branch. However, if they do apply in-branch, the waiting time for their funds goes up to 30 minutes as their application is considered by the staff on-site. The information they will need to provide includes:

  • Personal information. They will need to enter their personal information, such as their name, address and a working phone number.
  • Employment information. They need to enter the name, phone number and time spent with their current employer.
  • Documentation. They need to show a bank statement of 90 days worth of statements and 100 points of ID, which includes Medicare card, passport or birth certificate.

If someone chooses to apply online, they will have access to their funds within five minutes after their application has been approved. If they apply through a branch, they must wait 30 minutes and will receive the funds after this time if their application has been approved.

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