Applying for emergency loans couldn’t be easier with Monzi!

emergency cash loans no credit check

You can’t always predict what life is going to throw at you. Sometimes you just need a helping hand to get you out of a sticky situation. Monzi was founded with the needs of real Aussies in mind – from Queensland, to WA and everywhere in-between, we are here to help you find the loan you need.

We are proud to have helped thousands of people out of a financial pickle by connecting them with the right lenders.

Do you need emergency cash loans no credit check?

Need to pay bills but don’t have the cash to hand? Have you unexpectedly been made unemployed and need some funds to cover an unexpected expense? We understand that it’s not always possible to borrow money from traditional means like banks, credit cards or from friends and family. Thankfully you can still apply for a lender that can offer emergency cash loans unemployed more hassle.

How can Monzi help?

Monzi is an online lender-finder service, connecting you to a lender that can give you the loan you need. If you’re looking for emergency cash loans no credit check, we pride ourselves on being quick, stress-free and effective. Just fill in an online application, and we’ll take it from there!

Some of the benefits of using Monzi to find emergency cash loans:

Saves your precious time

No one wants to spend hours online filling out separate loan application forms, or doing endless research to find out which lender will give you the best rates. Our smart automated system can do that for you! So instead of bashing your head against a keyboard, take a deep breath and let us do the hard work for you.

The fact that the whole process is done online, means that you can apply for a loan anytime you want from the comfort of your own home. We’ll do our best to match you with lenders for emergency cash loans 24/7 and emergency cash loans no credit check 365 days of the year.

Get an answer fast

The last thing you want when you need emergency cash no credit check is to have to wait days, or weeks, for an answer from a loan application. Monzi gives you an answer in an hour (within business operating hours), so you know where you stand. If the answer is yes, your lender will usually be in touch to finalise the contract. So, if you’re looking for emergency cash loans no credit check, then we may be able to find a lender that can offer quality bad credit loans.

Apply for free

It is free to apply for a loan of any size. You don’t pay anything at all until you accept the loan and sign the contract. You are under no obligation to accept any terms you’re offered – if you don’t like what you’re offered, you can just decline, simple as that!

Put your application in front of hundreds of lenders

Rather than filling out dozens of different loan applications, we put your one application in front of hundreds of different lenders. If you’re looking for emergency cash loans no credit check, this gives you the best chance at getting approved for the amount you want, and terms that suit you. We have a high success rate of matching customers with the right lenders.

Your data is safe with us

We understand that your financial and personal data is sensitive. That’s why we’ve enlisted the help of security giants McAfee and Comodo to make sure that your data is 100% secure.

How does it work?

Monzi’s application process is as simple as can be. All it takes is 3 easy steps:

Step 1: Apply!

Our application process takes no more than a few minutes. Just get started with our loan calculator located at the top of each page. Select how much you wish to borrow and for how long. Then once you are happy with your proposed loan terms, just click the ‘Apply Now’ button.

All you need to do is fill out a simple online application form. No filling out paperwork or waiting on the end of a phone listening to awful hold music (we’ve all been there!

Step 2: Search

Our smart automated service will get to work finding a lender to suit your needs. We search through hundreds of lenders to find you an emergency cash loan no credit check so you don’t have to! Just sit back and wait for a response. You will usually get an answer within 60 minutes of applying.

Step 3: Match

Once we’ve found the lender for you, they’ll be given your details to contact you directly to progress with the rest of the process. You are under no obligation to accept their offer at any stage before a contract is signed. If you are satisfied with the offer you’re given, then happy days!

Who can apply?

The great news is – almost anyone can apply for emergency cash loans no credit check through Monzi’s lender finder service! You just need to meet these simple criteria and you’re away!

You’ll need to be:

  • at least 18 years old
  • an Australian citizen
  • or Permanent Resident

You’ll need to provide:

  • a valid mobile number
  • a valid email address
  • a regular income for the last 3 months
  • Internet banking details

Can you provide all of the above? Then you’re eligible to fill out our easy-to-use online application form.

Before applying for a loan we recommend reading this warning about borrowing to be clear about your options before proceeding.

Why do we ask for your bank account?

Your potential lenders may require a read-only copy of your bank statements to verify your income and outgoings in advance of offering you a loan. This is the easiest way to verify your income for the past three months. So, if you’re looking for emergency cash loans no credit check, then you can apply with us in just a few minutes. Our lenders use the latest in safe banking technology to protect your information, so never fear – your data is safe with us and your lender.

Can I apply for an emergency cash loan no credit check?

If you have bad credit, then don’t worry, all is not lost. We can find you lenders that offer cash loans even if you have bad credit. Some lenders will not require a credit check to offer you a loan. To find out the kind of loan you could be offered, all you need to do is apply today!

Can I apply if I receive Centrelink payments?

You most certainly can! We can find lenders that offer emergency cash loans for bad credit, as well as, loans for people on Centrelink. We can connect you with lenders that don’t judge purely on your financial past but look at the bigger picture.

How much can I borrow?

We recognize that emergency loans come in all different shapes and sizes. Which is why you can apply for loans from $300 to $10,000 with repayment terms from 12 to 24 months.

The interest rate will vary depending on the lender that you are matched with. As a lender-finder, we cannot guarantee costs. Some loan types may have other payable fees and charges. If you do miss a repayment on your loan, there may be additional fees that apply. To find out more about fees and charges for loans, feel free to give your lender a call or pop an email in.

What will my repayment amount be?

Your repayment amount will depend on how much you’re borrowing and how long you need to pay it back. You can get an estimation of what your repayment amounts are likely to be by using our handy loan calculator. The calculator gives you estimations of your weekly, fortnightly and monthly repayment amounts, depending on the amount you want to borrow, and your repayment term.

These are some examples of the amount you will pay depending on the amount you borrow:

Small Loans

  • E.g $300 to $2,000
  • Repayment term: 12 months
  • Cost: 20% upfront establishment fee + 4% monthly fee

Medium Loans

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  • E.g $2,001 – $4,600
  • Repayment term: 13-24 months
  • Cost: 48% annual percantage rate 67.41% comparison rate p.a.

Large Loans

  • E.g $5,000 – $10,000
  • Repayment term: 13-24 months
  • Cost: 21.24% annual percantage rate 48% comparison rate p.a.

WARNING: comparison rates only true for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

Other fees and charges may be payable. Unfortunately, if you fail to make a repayment without notifying your lender of any changes in your situation, additional fees may be added to the balance of the loan.

What is a comparison rate?

A comparison rate reduces the interest rate plus most fees and charges related to a loan to a single percentage figure which tells you the total amount it will cost you. This allows you to compare loans from different lenders to find out how much it will cost you.

For instance, if your comparison rate was 48% per annum, this would be the amount you would pay on top of what you borrowed. So, for a loan of $1,000, you would pay $1,480 over the course of 12 months, or $40 a month.

Can I make changes to my repayments once they have begun?

We work with lenders that understand that sometimes life just happens. If you need to make changes to your repayment structure, all you need to do is contact your lender. You usually need to give at least 24 hours notice before your next repayment is due.

Ready to Apply?

Are you ready to apply for your emergency cash loan no credit check? All you need to do is fill out our simple application form today. Whether you’re looking for a bond loan or car repair loan, you can apply with Monzi!

Got more questions? Check out our handy FAQ page for everything you need to know.

How customers rate Monzi

Applying for emergency loans couldn’t be easier with Monzi! Overall rating: 4.7 out of 5 based on 4 reviews.

Factor In

Costs

Two credit cards
Two credit cards

You won't use a penny to apply for our lender-finding service, but here's some costs you could expect from a lender

Loan amount

$300 - $2,000

Terms

12 months

Costs

20% upfront establishment fee

+ 4% monthly fee

Example

Loan Amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly installments of $57.60.

Under the current legislation, most small personal loan providers don’t charge an annual interest rate (you’ll know this as an APR) %. The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%. This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate

Loan amount

$2,001 - $4,600

Terms

13 months

24 months

Costs

48% annual percantage rate

67.41% comparison rate p.a.

Example

Loan Amount of $3,000 over 18 months repayable weekly (78 weekly repayments). $3,000 (Principle Amount) + $400 (Establishment Fee) + $1,379.06 (reducing interest) = $4,779.06 total repayable over 18 months with weekly installments of $61.27.

This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

Loan amount

$5,000 - $10,000

Terms

13 months

24 months

Costs

21.24% annual percantage rate

48% comparison rate p.a.

Example

Loan Amount of $10,000 over 24 months repayable weekly (104 weekly repayments). $10,000 (Principle Amount) + $5,577.12 (Interest) = $15,577.12 total repayable over 24 months with weekly installments of $149.78.

This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.