Borrow $2,001–$5,000 anytime – same-day assessments, Funds available same day for eligible applicants
Borrow $2,001–$5,000 anytime – same-day assessments, Funds available same day for eligible applicants
Dental treatment can bring unexpected costs. MyCashOnline offers personal loans from $2,001 to $5,000, with repayment terms of 3–18 months, which may help cover dental expenses, subject to assessment and approval.
Apply online without visiting a branch. Same-day funding may be available for eligible applicants, depending on approval, completion of documentation and bank processing times. Approval and immediate payment are not guaranteed.
| Feature | Details |
|---|---|
| Loan amounts | $2,001–$5,000 |
| Minimum repayment term | 3 months |
| Maximum repayment term | 18 months |
| Maximum APR | 48% p.a. |
| Interest rate | Fixed for your loan, based on your risk profile |
| Repayment frequency | Weekly, fortnightly or monthly, as agreed |
| Security | Loans may be unsecured or secured by a registered vehicle |
Your approved amount, interest rate and repayment term depend on our assessment of your income, expenses, existing commitments and ability to repay.
| Fee | Amount |
|---|---|
| Establishment fee | $400 |
| Default fee | $27 per missed scheduled payment |
| Rescheduling fee | $15 per scheduled payment rescheduled |
Default and rescheduling fees apply only in the circumstances specified in your loan contract. They are excluded from the example below, which assumes all repayments are made as scheduled.
For a $3,000 loan over 12 months:
| Item | Amount |
|---|---|
| Annual interest rate | 48.00% p.a. |
| Establishment fee | $400 |
| Total interest | $908.37 |
| Total borrowing cost, including establishment fee | $1,308.37 |
| Total amount repayable | $4,308.37 |
| Repayments | Approximately $165.70 per fortnight over 26 instalments, with a final rounding adjustment |
| Comparison rate | 65.4962% |
This example is indicative. Your loan offer will set out your actual interest rate, fees, repayment schedule and total amount payable before you accept.
Comparison rate warning: The comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.
Before applying, ask your dental provider for a written treatment plan and cost estimate. Check what is included, when payments are due and whether further appointments may involve additional costs.
Consider any available insurance benefits or payment arrangements offered by your provider. If your out-of-pocket expense is below our minimum loan amount of $2,001, consider whether another payment option would avoid borrowing more than you need.
Your dental provider can advise you about treatment. MyCashOnline assesses the loan application and does not provide dental advice.
Applications can be submitted online anytime and are assessed during business hours. Missing documents, additional verification or bank processing may delay funding.
Check that repayments fit your budget alongside living expenses, existing debts and any ongoing treatment costs.
A longer repayment term may reduce each instalment but increase the total interest payable. Review both the regular repayment amount and the total borrowing cost before accepting an offer.
Yes. You can apply for a personal loan to help cover dental expenses. All applications are subject to assessment and approval.
You can apply for $2,001–$5,000. The amount approved depends on our assessment of your financial circumstances and ability to repay.
Approved funds are transferred to your nominated bank account. You can then arrange payment with your dental provider.
Timing depends on assessment, approval, completion of documentation and bank processing. Funding before a particular appointment is not guaranteed.
No. Every application is subject to lending criteria, verification and an affordability assessment.
Your loan may be unsecured or secured by a registered vehicle. Any security requirement will be explained in your offer and contract.
Contact us promptly to discuss your circumstances and available hardship assistance. Default or rescheduling fees may apply as specified in your loan contract.
Phone: 1300 998 868
Email: admin@mycash
