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Emergency Loans1 - up to $30,000 - Fast!
Sometimes unexpected expenses crop up which are difficult to cover straight away. Money3 is here for these types of emergencies with fast personal loans up to $30,000.
Even if you have been refused credit elsewhere, Money3 will give you a fair go. We'll look into your current financial situation1 and your ability to repay your loan, we'll tell you how much you can afford to borrow, with emergency loans up to $30,000. Loans are repaid weekly or monthly over 12 to 24 months.
- Car Repairs
- New Washing Machine
- Unexpected Bills
- Dental Expenses
- Vet Fees
- Bushfire Damage
- Funeral Expenses
Whatever your emergency, from replacing a stolen laptop, medical expenses to funeral expenses, an emergency cash loan from Money3 could be the answer. Get started today by completing the short form above. Our personal loans team can then help guide you through the process and answer any questions you may have.
1. Subject to verification, suitability and affordability
Emergency Loan FAQs
Emergency loans are designed to help you cover urgent financial needs that you can't postpone. This can include but is not limited to car repairs, new washing machines, unexpected bills, dental expenses, vet fees, rental bonds, and even bushfire damage. If you're facing an immediate financial issue, an emergency loan could be the solution for you.
We understand that emergencies require quick action. Our application process is designed to be as fast as possible and is 100% online. The application can usually be completed in around 5 or 6 minutes. After that, we aim to review your application as fast as possible.
Our emergency cash loans application is very fast and can be completed online, usually in around 5 minutes for most people. Your fast cash loan will be automatically checked to make sure you pass our basic criteria. After that, your application will be passed to our assessment team for some final checks. If all looks good, you will be sent a link to review and sign your loan agreement, prior to funding your loan. The whole process can be completed in around 24 to 48 hours in many cases.
Yes, we offer Emergency Loans to individuals with bad credit1. We believe in giving everyone a fair go. While we may consider your credit history, it's just one factor among many. We also look into your current financial situation and your ability to repay the loan.
You could borrow up to $30,000 with an Emergency Loan from Money3. The exact amount will depend on various factors such as your current financial situation, your ability to repay, and whether or not you can provide security on the loan.
Without security the maximum loan amount is $15,000.
Security is not mandatory for all emergency loans. You could get a personal loan1 up to $15,000 without security. However, if you want to borrow up to $30,000, providing security on your loan may be required1.
Also see our range of secured vehicle finance options from cars to motorbikes or from boats to caravans to jet skis.
Absolutely, emergency loans can be used to cover medical or funeral expenses. We understand that these are highly sensitive and urgent matters, and our customer support team will do their best to assist you in difficult times.
If you find that you can't make a payment on time, please contact us as soon as possible. We'll review your situation and work together to find a solution that's manageable for you. We're here to help get you back on track.
Rest assured, there are no hidden fees or charges for our Emergency Loans. All costs and charges will be clearly outlined in your loan contract for you to review before you sign.
See our personal loan calculator to get an idea of your loan costs.
1. Subject to verification, suitability and affordability
More Emergency Loan Options
Rental Bond Loans
Need to move fast and struggling to pay for the bond, moving costs or repairs to the old property? We could help with up to $30,000.
Medical Loans
Medical treatment and emergencies often need to be fixed fast. You could borrow up to $30,000 to cover medical expenses and bills.
Fast Cash Loans
Borrow up to $30,000 fast. Cover all kinds of expenses to get you back on track - we'll give you a fair go!
Home Improvement Loans
Something broken? Maybe plans to upgrade? We could help with up to $30,000 for all kinds of projects from new kitchens to solar panels.
Fast Car Loans
If you have already found the car you'd like to purchase - we can help - fast! Our car loans are available up to $75,000 and we'll give you a fair go - whatever your credit!
Bad Credit Loans
At Money3, we'll give you a fair go! Even if you have had bad credit problems in the past. We'll look at your income and expenses to work out whether the loan is affordable for you.
Centrelink Friendly* Loans
We consider many Centrelink payment types as income when assessing your loan affordability. Making it easier to get your loan approved with us.
Personal Loan Calculator
Use our calculator to check out how much you could afford to borrow and safely repay each week, fortnight or month.
* Money3 is not affiliated with, or endorsed by, Services Australia, but does provide personal loan and vehicle finance options which are available to recipients of benefit payments
Example Emergency Loans Costs Chart
| Borrow | Costs | Repay |
|---|---|---|
| $5,000 | $2,110 | $7,110 |
| 24 months at 16.95% APR & 37.39% Comparison Rate | ||
| $7,500 | $5,043 | $12,543 |
| 36 months at 16.95% APR & 37.39% Comparison Rate | ||
| $10,000 | $6,427 | $16,247 |
| 36 months at 16.95% APR & 35.44% Comparison Rate | ||
EXAMPLE: A platinum unsecured personal loan of $5,000 for 24 months has fees and charges totalling $2,109.60 and a total repayment of $7,109.60. The Minimum loan term is 12 months and the Maximum term 24 months. The term will be 24 months if you repay monthly, 52 fortnights or 104 weeks. The Maximum APR is 16.95%. The Comparison Rate, based on a loan of $5,000 over two years, is 37.39%.
EXAMPLE: A platinum secured personal loan of $25,000 for 60 months has fees and charges totalling $14,850.43 and a total repayment of $39,850.43. The Minimum loan term is 24 months and the Maximum term 60 months. The term will be 60 months if you repay monthly, 130 fortnights or 260 weeks. The Maximum APR is 13.95%. The Comparison Rate, based on a loan of $25,000 over five years, is 20.38%.
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
Please Note: Advertised costs and repayments have been rounded up to the nearest dollar amount, so costs may be slightly cheaper in most cases. Australian Credit Licence 389067.
