Get An Emergency Loan In 60 Minutes!
Need emergency money fast?
Cash Today matches you with the lender most likely to approve you — fast. You won’t waste time applying to lenders who say “no.”
TL;DR — Need Emergency Cash Now? We’ll Match You Fast.
-
⏱️ 60-second pre-check shows you lenders likely to say yes
-
✅ No wasted time applying where you’ll be declined
-
💸 Funds could arrive in under 1 hour after approval
-
🛠️ For urgent needs — car repairs, rent, bills, medical, more
-
🧾 No hit to your credit score just to check
-
100% online, mobile-friendly, no pressure to proceed
Updated by Steve Stemp on 21/8/25
What Is an Emergency Loan?
An emergency loan is a fast, unsecured loan designed to help cover urgent expenses like:
-
Medical bills
-
Car repairs
-
Emergency travel
-
Vet bills
-
Last-minute rent or utilities
Loan amounts range from $300 to $80,000, with repayment terms from 1 week to 5 years, depending on the lender and your financial profile.
How does Cash Today help in an emergency?
When time matters, applying to random lenders isn’t the answer. Our fast-matching system means:
-
✅ You enter your details once (60-second eligibility check)
-
✅ We match you with the lender most likely to say yes
-
✅ If the offer suits you, you complete the full application
-
✅ Funds are paid directly to your bank account
Why it works:
We know the approval criteria of over 60 lenders and use your data to match you with one whose requirements you meet, increasing your chances of fast success.
Emergency Loans, Smarter Matching
We Help You Apply Once — With Confidence
Unlike most lenders, Cash Today doesn’t make you guess which loan you might get. Here’s how we make emergency loans smarter:
-
✅ Match-first system: We only show you lenders who are likely to approve you
-
✅ No blind applications: You’re not wasting time — or hurting your credit score
-
✅ Real-time assessment: See your loan options in under 60 seconds
-
✅ Pre-check doesn’t affect credit: You can walk away at any time
💡 More yes. Less stress. Our smart system saves you time and boosts your chances.
How Fast Can I Get My Emergency Loan?
If you’re eligible and apply during business hours, funds may arrive within 60 minutes of approval. Here's how to speed things up:
Step 1
What You Do: Submit our 60-second pre-check
What We Do: Match you with the most likely lender
Step 2
What You Do: Review the offer
What We Do: Only proceed if it suits you
Step 3
What You Do: Finalise the full application
What We Do: The lender does a credit check if required
Step 4
What You Do: Get approved
What We Do: Funds are paid via instant transfer where possible
⏰ Emergency payout depends on timing, bank processing, and your eligibility. But we aim to make it fast.
FAQs – Emergency Loans Australia
Q: Can I get an emergency loan with bad credit?
A: Yes — depending on the lender, you may still be approved if your income and bank statement meet the criteria.
Q: Is a credit check required?
A: Not always. Many emergency loans under $2,000 may not involve a credit check, especially if you qualify through our pre-check.
Q: How soon can I get the money?
A: If you’re matched and approved during business hours, you may receive funds within 1 hour.
Q: Do you offer loans on weekends?
A: You can apply 24/7, but approval and payout times depend on lender hours. Weekend payouts are less common.
At a glance
Simple loan rates & fees
See our simple rates and fees below, and then view more information about rates & fees to work out repayments and total costs for different amounts and terms .
Small loans
Up to $2000
| Small loans (SAAC) | |
| Loan amounts | $500 – $2,000 |
| Loan term | 1 – 12 months |
| Establishment fee | 20% |
| Monthly fee | 4% |
| Interest rate | N/A |
Medium loans
Up to $5,000
| Medium loans (MAAC) | |
| Loan amounts | $2,001 – $5,000 |
| Loan term | 3 – 24 months |
| Establishment fee | $400 |
| Monthly fee | $0-$18 |
| Interest rate | 19% – 48% |
Second chance loans
$500 with no credit check
| Second chance loans (SAAC) | |
| Loan amounts | $500 |
| Loan term | 1 – 12 months |
| Establishment fee | 20% |
| Monthly fee | 4% |
| Interest rate | N/A |
Larger loans
Up to $80,000
| Large loans (personal) | |
| Loan amounts | $5,001 – $80,000 |
| Loan term | 3 – 7 years |
| Establishment fee | $310-$1035 |
| Monthly fee | $0 |
| Interest rate | 7.24% – 19.99% |
*Please note that the figures shown are indicative only and may not include all fees and charges. All applications are subject to assessment.
Applying
Find out how likely you are to qualify for our lower rate loans.
Healthier financial history = access to lower loan rates
- Our competitive personal loan rates are between 7.24% – 19.99% p.a. and our urgent loans are between 19% and 48% p.a.
- The loan rate that you are offered will be dependent on your individual circumstances, loan amount, and the type of loan
- For example, a secured car loan is likely to have lower rates than an unsecured loan with a vague purpose
Great
Good chance of approved for a loan. Likely to qualify for a loan with lowest rates.
Characteristics:
- Credit score: Good (above 600)
- Stable employment or income with clear repayment affordability
- Low Debt-to-Income Ratio (well below 36%)
- Positive Savings History
- Minimal existing loans
- No disqualifying conditions.
OK
May be approved for smaller loan amounts, loan rates may be higher.
Characteristics:
- Credit score: Ok (above 400)
- Recent job changes/ gaps in employment but clear repayment affordability
- Debt-to-Income Ratio approaching 36%
- No new loans in the last 90 days
- No disqualifying conditions.
May not be suitable
Unlikely to approved for a loan over $1,000 or qualify for lower loan rates.
Characteristics:
- Credit score: Low (less than 400) or none
- May have a high debt-to-income ratio (DTI) above 36% or significant outstanding debts
- May have a history of unemployment or frequent job changes
- No disqualifying conditions.
Automatically declined
Will not be approved for a loan.
Characteristics:
- Displays one or more disqualifying conditions.
- Unable to afford repayments
- No regular income
- Risky debt-to-income ratio (DTI) above 60%
Consider improving your financial health and applying at a later date.