Emergency Loans
Emergency Loans
Emergency Loans, For Life’s Unplanned Setbacks
Dealing with a personal disaster can be challenging, if not overwhelming. Unplanned events outside of your control can leave you in a position of financial distress. Emergency loans can help you get through the challenging time of difficult circumstances.
Emergency loans are for situations like:
- Urgent home repairs from fire, storm or water damage
- Urgent vehicle repairs
- Illness, urgent medical bills
- Emergency travel due to illness, death in the family
If you can’t afford to deal with the costs of your emergency, don’t stress out. Emergency loans are processed quickly, it only takes minutes to apply online for up to $2,000 – and you could receive your funds on the same day! We’ll do our best to help with unexpected expenses, so you can get life back to normal as soon as possible.
Worried about your past credit mistakes? Don’t be overly concerned. We consider every person on their own merits. Our friendly personal loan professionals will do their best to help you.
How Does An Emergency Loan Work?
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Apply Online In Only Minutes
Our loan application process is fast, efficient and clear. Use any connected device to apply online. -
Get Approved & Confirm Your Loan Online
If you meet our lending criteria, we will notify you via email/SMS to digitally sign your contract online. We verify the assessment information you send us in a very secure manner, without tons of paperwork. Our entire process is online and we keep you informed at every stage of the process. -
Get Your Funds on the Same Day
If approved before 5pm, we will deposit funds into your account same day. All approved loans are paid as soon as they are approved. Depending on your bank, you will receive your money on the same day as you apply, Monday – Friday.
Apply for a fast cash loan online today.
Example of a Small Loan (Small Amount Credit Contract)
You need a loan of $1,000 for an urgent car repair. You apply online and you choose your loan amount and your repayment term. You choose to pay it back in 10 payments of $132 per week.
$132 x 10 Repayments per week = $1,320 Total Amount Repaid
Loan Payment Details
| Item | Amount/Details |
|---|---|
| Adjusted Credit Amount | $1,000.00 (the amount that you receive) |
| Establishment Fee | $200.00 (set by NCCP at 20% of the loan amount) |
| Monthly Permitted Fee | $40.00 per month |
| Amount of Credit of the Loan | $1,240.00 |
| Nominal Percentage Rate (Interest) per annum | 0% as defined by NCCP |
| Comparison Rate | 201.9447% as defined by NCCP |
| Total Amount of Interest Payable | NIL |
| Total Number of Repayments | 10 |
| Repayment Amount | 10 repayments of $132.00 |
| Total Amount Repaid | $1,320.00 |
These examples assume that repayments are made on time as per the original loan contract terms. For more information on our fees see our Costs Page.
Note: NCCP refers to the National Consumer Credit Protection Act 2009, which regulates consumer credit and lending practices in Australia.
