Frequently Asked Questions

Mega Cash GO offers loan between $300 and $5000! The amount you can borrow will be based on the amount you ask for and your personal circumstances at the time you apply.

Mega Cash GO will perform an identity and credit check with a credit reporting bureau, as well as assess your income and expenses to ensure that the product you choose is right for you.

You’ll always see a clear breakdown of all your fees and repayments before you confirm your loan. As a quick reference, though, here’s a general breakdown of fees:

Small Loan: If the principal amount you borrow is between $300 – $2,000 you’ll pay:

• Establishment fee: 20% of the principal amount

• Monthly loan fee: 4% of the principal a month

Medium Loan: If the principal amount you borrow is between $2, 050 – $5,000 you’ll pay:

• Establishment fee: $400 flat rate

• Interest Rate: 36% p/a

Mega Cash GO has tried to make our application process quick and easy! We don’t like paper and boring consultation meetings. We do still need to know some things though…

What you will need to apply:

• Your internet banking details
• Two of the following forms of identification (driver licence, Medicare card or passport number)
• Your BSB and bank account number (so we know where to deposit your money)
• Plus all the usual stuff like your name, DOB, Address, employment information and details on your current expenses.

Apply: Apply here and answer some basic questions or download our app and apply.

Link: Link your bank account for instant approvals and cash delivery.

Verify: For security purposes, we’ll request that you verify your ID.

Approval: Your loan application is either approved or Denied. Either way, you’ll know if your loan’s been approved before the end of the day.*

*application must be received before 3:30pm AEST 

Cash delivered! Once you’re approved, we’ll send you a direct deposit in minutes.

We understand the importance of fast financing, and we’re dedicated to delivering just that. Our technology enables you to upload all necessary documents directly from your mobile or computer, allowing us to provide you with a speedy response.

Once you’re approved, you’ll receive your funds within 5 minutes of confirming your loan.*

*Loan must be approved by 3:30pm AEST during banking days. Otherwise, the payment will be processed on the next business day. Clearance time is subject to your bank.

We do our best to get your application approved quickly. However, we sometimes need further details from you. If this is not achievable outside of business hours we will have to wait until the next morning. In that case we will respond to your application first and get an answer to you before the end of the next day.

Mega Cash GO are responsible lenders and therefore perform a credit check to help evaluate your loan application.

If you have a default on your credit file, don’t worry – we may still be able to help you depending on the situation.  While credit history is a vital part of our assessment, we also take other factors into account!

There is more to a customers loan application than a credit history. We understand that!
Therefore it is very much possible you can receive a Mega Cash GO loan, even with a bad credit history.

As a responsible lender, we carefully evaluate all aspects of your application before making a decision. This includes reviewing your income, the reasons for any bad credit history, your expenses, and your ability to repay the loan. We aim to make decisions that are in your best interest!

Yes, you can apply for a loan if you receive government benefits. Approval depends on factors such as:

• Your total income, including benefits.
• The type of benefits you receive.
• Your ability to afford repayments.
• Your credit history.

We assess each application carefully to ensure responsible lending that suits your financial situation.

Setting up direct debits is quick and easy—you can do it online when confirming your loan. On your repayment due date, the amount will be automatically deducted from the bank account.

All you need to do is ensure the necessary funds are available in your account. You can always check your Dashboard to ensure you know when your next repayments are!

If you’re unable to make a repayment on the due date, it’s important to contact us as soon as possible. We understand that circumstances can change, and we may be able to work with you to reschedule payments or discuss other options, such as a hardship arrangement.

Please note that missed payments may result in additional fees or charges, so it’s best to reach out early to avoid further costs. See our Fee Statement for more information.

Sick of chat bots? Us too! Sometimes, you just need to talk to someone real. During our operating hours (Monday to Friday: 9am-6pm, Saturday: 9am-3:30pm), feel free to reach out to us via phone on 1800 841 013. If you prefer a face-to-face conversation, simply visit any Mega Cash store and our welcoming staff will be more than happy to assist you.

We understand that financial hardship can happen to anyone, for any reason. If you’re struggling with your Mega Cash GO loan repayments, we are here to help. You can call us on 1800 841 013 to discuss your account or send an email to hardship@megacash.com.au outlining your situation to our Hardship Team. It’s essential to inform us of your situation as soon as possible so we can assist you better.

• Call or contact our Customer service team on 1800 841 013
• Email any feedback or complaints to: customercare@megacashgo.com.au
• Write to us the old fashioned way:

Mega Cash GO

PO Box 142

Coogee, NSW 2034

To download the Mega Cash GO App, search ‘Mega Cash GO’ in your app store or use the links below:

Apple:

Android: