Emergency Cash Loans – $300 to $10,000 Online

Emergency cash loans can get you the funds you need to weather a temporary financial storm. Apply through Monzi’s lender-finder service and you may be paired with a lender in just 60 minutes. Moreover, you can apply from $300 to $10,000 online and in minutes.

Please note, certain ideas and products presented in this article may not be offered by Monzi nor the lenders we work with. This article presents only general information. Consider seeking professional financial, taxation, legal or other advice to check how the information and ideas presented on this website relate to your unique circumstances.

What are emergency cash loans?

So, you’re in a bind. You’ve got an expense that you must pay now but you don’t quite have the cash to cover it. Maybe your car’s broken down or a pipe has burst in your home. What are you going to do?

Well, one possible option could be to apply for an emergency cash loan. In short, you can borrow amounts from $300 to $10,000 with repayment terms ranging from 12 to 24 months. That means you may get the cash you require today while spreading the costs over the coming months or years.

Best of all, when you apply for emergency loans, lenders work fast. If you apply during business hours, you might have an outcome before you now. After all, lenders know that you can’t afford to wait.

So, think emergency cash loans are the right choice for you? Apply with Monzi. Through our lender-finder service we may be able to pair you with a great lender offering the cash loans you need. Apply today.

Emergency cash loans no credit check

Credit checks are one way that lenders can assess your suitability for a loan. In short, by looking at your credit report they can get an idea of your creditworthiness. In other words, your reliability as a borrower.

Usually, credit checks are a key element of a lender’s assessment. However, they may not always be necessary. In fact, some lenders may be prepared to bypass them entirely and offer no credit check loans.

To do this, they’ll focus their assessment on your financial situation (e.g. income and expenses) to get an idea of what repayments might be affordable for you. From there, they can decide whether to approve or deny your application.

However, it’s worth understanding that not all lenders are willing to offer emergency loans no credit check. As a result, their availability may depend on the lender you have applied with and their policies.

Emergency cash loans 24/7 Australia

Emergency expenses don’t wait until the perfect time to appear. Whether it’s a weekend or late at night, you might find that you need cash now.

Luckily, Monzi gets this. That’s why our website is live 24/7. As a result, you can apply for cash loans 24/7 whenever you need.

Having said this, remember that applications received outside of regular business hours often encounter delays as lenders may not be open and banks may not process transfers. As a result, you may be unable to access your emergency cash until the following business day.

Emergency loans in one hour

Apply with a lender and you may have your cash within an hour. Sounds good, right? Unfortunately, at Monzi we are unable to guarantee if this is possible.

Ultimately, if you apply with Monzi during business hours, we may be able to find an available lender for you in just 60 minutes. From there, the lender that you are paired with will need to conduct their assessment of your application. While they will aim to provide you with an outcome ASAP, getting a cash loan in one hour might not quite be a reality.

What expenses can I cover with cash loans Australia?

Emergency expenses can come in many forms. Moreover, they can vary greatly in size too.

Luckily, through Monzi and our lender network, you can access personal loans to cover almost any legitimate personal expense. With available amounts ranging from $300 to $10,000, there may be a loan that works for you too.

While by no means an extensive list, we’ve provided a guide below detailing a few of the more common reasons for applying with Monzi. Check it out:

  • Emergency car repairs
  • Household maintenance and repairs
  • Medical or vet bills
  • Replacement appliances or technology (e.g. new phone)
  • Rental bond
  • Debt consolidation
  • Holiday or travel loans.

Emergency cash loans unemployed no more hassle Australia

So, you’re unemployed and need a loan? Unfortunately, finding a lender willing to extend credit may be tricky.

Above all else, if you are unemployed and apply for a loan, you will need to prove that you are earning some form of income. While this may not be a wage, it could take another form. For instance, it may be benefit payments or even rent payments you receive from an asset that you own.

Approval is not possible without this. After all, you must display the capacity to repay any money that you borrow.

Ultimately, borrowing small amounts of money can be expensive and may not solve your financial issues. Please consider the MoneySmart article on alternatives to short term credit.

Emergency cash loans bad credit

While in the past, blemishes on your credit report may have stopped you accessing the loans you need, times have changed. These days, plenty of lenders who may offerbad credit loans.

In assessing your application, rather than zeroing on your credit report, lenders may take a more open view. They’ll assess your complete financial situation including your current income and expenses. That way, they can assess not only your past (your credit history) but your present too.

As a result, if you’ve worked yourself into a comfortable financial situation then your application may be approved in spite of the mistakes you’ve made in the past.

However, always remember that approval is not certain. Your lender retains the right to extend credit where they see fit.

Am I eligible to apply with Monzi?

In order to be eligible, there are four criteria that you must meet. Don’t worry though, they’re really simple. Check them out:

  • Australian citizen or permanent resident.
  • At least 18 years old.
  • Have a current email address and mobile phone number.
  • Hold an online bank account with at least three months of transaction history.

How do I apply?

So, you’re eligible what now? It’s time to apply.

At Monzi, we’ve refined our application process down to ensure it’s as easy as can be. It can be completed in minutes so you can get back to doing the things you want to be doing.

All you have to do is follow these steps:

  1. Select your loan amount and repayment term (where application – loans under $2,000 have a standard 12 month term).
  2. Enter the required personal details and financial information. Hit ‘submit.’
  3. Wait while our automated system attempts to pair you with an available lender. Apply during business hours and you could have an outcome in 60 minutes.
  4. We’ll text you with an outcome. If our search is a success then your lender will be in touch to begin the assessment process.

How can I get quick emergency cash loans unemployed?

Approval is never guaranteed, but you could consider applying with Monzi’s lender-finder service. From there, our system will aim to pair you with one of the lenders from our network. During business hours, this may take as little time as 60 minutes.

However, keep in mind that applications received outside business hours may encounter delays for two reasons. Firstly, lenders may not assess applications during these times and secondly, that banks often do not process transfers on weekends. As a result, you may need to wait until the following business day for an outcome.

Same day cash loans unemployed Australia

While same day loans may be possible, Monzi can’t guarantee their availability. After all, there are a number of steps that must be completed. As a result, it’s out of your hands.

Having said this, there are a few things that you can do to ensure the process runs smoothly. Firstly, apply during business hours and secondly, provide all the required details when you apply.

If you do this, Monzi may be able to pair you with an available lender in just 60 minutes. From there, your application can go off without a hitch and you can get an outcome in rapid time.

If you’re approved, your cash will then be transferred to you. At that point, access to your cash will be determined by your banks and the associated interbank transfer times. Whether that’s on the same day you apply, we are unable to say.

Ultimately, it’s typically smart to budget for a waiting time of up to 24 hours. However, as we’ve outlined, it may be possible to get your cash on the same day that you apply.

How can I get an instant loan?

When you need emergency cash to cover an expense that just can’t wait, an instant loan sounds like a perfect option. However, it’s worth understanding exactly what an instant loan is.

In short, you won’t get your cash the instant you apply. Instead, it refers to loans that are processed so swiftly that you feel like you receive an outcome in the blink of an eye. However, there will always be some processing time required.

This is due to the fact that in Australia, lenders must assess all applications. As a result, there are no instant or guaranteed approvals. See below for further details regarding assessments and what’s involved.

Responsible lending

In Australia, all lenders are required to act and lend in a responsible manner. In short, this involves not entering into a credit contract with a borrower that is not suitable for the borrower’s needs and financial situation.

To determine this, lenders are required to conduct an assessment. This assessment involves the following three steps:

  1. The lender must make reasonable into the borrower’s financial situation as well as their objectives for the loan.
  2. They must take reasonable steps to verify this information.
  3. Finally, based on this information, the lender must make a final assessment as to the suitability of the credit for the borrower.

Visit the Australian Securities and Investments Commission website for further details.

emergency sign on a black background

Why should I apply for emergency cash loans through Monzi?

When you need cash in a hurry, Monzi can make it simple and convenient to find great lenders online. However, that’s not all. There are a host of additional benefits that you will experience when you apply with Monzi. Check them out:

100% online

Monzi has developed a 100% online process. That means, as long as you have an internet connection, you can apply whenever and from wherever you like. Best of all, there’s no paperwork required. One of the many perks of living in the digital age.

Easy repayments

When you apply, you can select the repayments that work best for you. Not only will you have the choice of weekly, fortnightly or monthly repayments, you might have the choice of repayment terms ranging from 12 to 24 months too. So, you can select the combination that works best for you.

Not only that, making repayments has never been easier. Simply implemented a direct-deposit from your account and your repayments will be automatic. Once you’ve repaid the balance of your loan, the payments will cease.

A secure online system

Sharing your personal details online can make you feel nervous. Luckily, Monzi’s here to ease your concerns. Our online system is protected by cyber-security experts Comodo and McAfee. That means that your personal data is safe with us.

Committed to transparency

We’ve outlined our process so you know what will occur at each step along the way. There’s no hidden tricks or traps. We’re always upfront and honest about our lender-finder service.

Our lenders are committed to transparency too. If you are offered a loan, all the fees, charges, rates and repayments will be clearly detailed in your loan contract. There’s no need to worry about any hidden fees. Just make sure that you read your contract carefully.

We’re here to answer your questions

If you’ve got questions, queries or concerns then feel free to reach out. Email us at hello@monzi.com.au and we’ll do what we can to get back to you with an answer ASAP. We want to make sure you’re comfortable with us before you apply. As a result, we’re always happy to answer your questions.

However, keep in mind that we can only answer questions about Monzi and our process. If you have questions specifically related to a loan you’ve taken out then contact your lender directly. Monzi cannot speak on behalf of other organisations meaning we will be unable to answer your questions.

Apply now

Need emergency cash loans now? Scroll up and apply today.

Factor In


Two credit cards
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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


12 months (minimum)

12 months (maximum)


20% upfront establishment fee

+ 4% monthly fee


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%. The minimum and maximum loan term is 12 months. WARNING: 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


13 months (minimum)

24 months (maximum)


48% Annual Percentage Rate (APR)

67.41% Comparison Rate p.a.


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

The Annual Percentage Rate (APR) for Secured Medium Loans is 48%. The Typical Comparison Rate is 67.41% p.a. The minimum loan term is 13 months and the maximum loan term is 24 months. WARNING: 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. Click here to see a worked example.

Loan amount

$5,000 - $10,000


13 months (minimum)

24 months (maximum)


21.24% Annual Percentage Rate (APR)

48% Comparison Rate p.a.


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

The Annual Percentage Rate (APR) for Secured Large Amount Loans is 48%. Maximum Comparison Rate is 48% p.a. The minimum loan term is 13 months and the maximum loan term is 24 months. WARNING: 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. Click here to see a worked example.