Urgent Cash Loans For Emergencies Up To $10,000

Urgent cash loans are a possible option for life’s more stressful moments. Simply lodge an application on our site and we’ll do our best to pair you with a potential lender in no time.

Define urgent cash loans

To begin, a cash loan is a broad term for loans that can be spent like cash. In other words, you can use these loans to cover any personal expense.

Urgent, obviously, refers to a pressing need or expense the borrower needs to cover. As a result, lenders offering these loans will aim to process your application as quickly as possible.

Can Monzi find me urgent cash loans online?

Technically, we do not find loans. Instead, we match consumers with lenders that might be able to offer you a loan.

In short, Monzi is a lender-finder service that looks to make our customers’ lives easier. Specifically, we do our best to pair consumers with lenders potentially offering personal loans starting from $300 all the way up to $10,000!

The below table gives examples of the loans past Monzi customers went on to be approved for.

Quick cash loansApproved amount (AUD)Location
Urgent cash loans$1,500Perth, WA
Urgent cash loans bad credit$2,800Maitland, NSW
Emergency cash loans no credit check$4,600Launceston, TAS
Emergency cash loans same day$7,000Karratha, WA

Be aware the above table does not necessarily reflect the loan you may be offered.

Emergency cash loans in one hour

If life hits you with an unexpected slap in the face, you might have to get your finances together quickly. This is, however, not always possible. Therefore, if you have a deadline to meet, you may want to consider fast cash loans.

While we can never guarantee the outcome of your loan, there may be lenders within our network potentially able to assess your application in an hour. This, however, depends on the lender’s individual assessment procedures.

Keep in mind, you may be able to apply on Monzi in no time. After all, our smart system is streamlined and able to access a lot of the information we need – paperwork free! We may be able to pair you with a lender offering up to $10,000 quicker than you can say 1 hour cash loans very quick funds Australia no credit check.

Urgent cash loans for emergencies

Ideally, we should all have an emergency fund kept for rainy days. By continually adding to an emergency fund, Australian consumers may be able to cover themselves in the event of an unexpected or emergency cost.

In addition, consider our page on emergency loans; we discuss your options for accessing Government and community initiatives in the event of an emergency.

Obviously, not everyone is able to do this. Life always seems to have a habit of getting in the way of the best-laid plans. Luckily, Monzi’s lender-finder may be able to quickly match you with a lender.

If you’re approved for a personal loan through our network, you could use the cash to cover essentially anything; we’ve listed some common examples below.

  • Medical costs. Trips to the dentist or pharmacy may be expensive, especially if you aren’t under by the right health cover.
  • Pets. From vet bills to food and toys, owning a pet is never cheap. In fact, the average first-year cost of owning a dog or cat may be up to $1,000.
  • Car repairs. A functioning car is essential for most Aussies; unless you live in a city with good public transport.
  • Whitegoods. It’s easy to forget how important a working fridge or stove is until, obviously, they break. Instead of living off microwave meals for the next month, why not consider a cash loan?

Urgent cash loans Perth

If you’re looking for cash now Perth, Monzi may be able to help. After all, our 100% online service allows consumers from any corner of Australia to apply. Moreover, this allows people to apply 24/7 for instant cash loans for bad credit.

Apply on our site for personal loans between $300 and $10,000 and we’ll do our best to pair you with an appropriate lender.

Keep in mind, applying outside of normal business hours may result in a delay. Specifically, you may not receive an outcome until the following business day.

Man in black shirt walking in park using phone for urgent cash loans

How can I get emergency money fast?

Have an urgent expense you need to cover in Sydney? We may be able to help.

Lenders may all vary in terms of their processing speeds. In other words, one lender may be able to process your loan in half an hour, while others may take up to one business day. Moreover, your individual application may also have an impact on processing speeds.

The list below gives examples of what may affect your access to cash.

  1. The lender. Each lender may vary in how they assess applications. For example, certain lenders may run a credit check while others will not. As a result, the lender and their assessment policies will have an effect on your access to cash.
  2. Your application. Just as lenders vary, so too do applicants. While certain applications may be relatively straightforward to assess, others may take longer. In addition, lenders may need to chase you up for extra information; this will result in delays. Therefore, always try to supply everything when you first apply.
  3. Banking rounds. Lenders may have certain points throughout the day where they send cash out; these are known as banking rounds. Often, the final round of banking is towards the end of the lender’s normal business hours. Approving your contract after the final round may result in you receiving your cash the next business day. Generally, there are no rounds of banking over the weekend or on public holidays.
  4. Inter-bank transfer times. Transfers between certain lenders and consumers may be quicker than between others.

What is the minimum credit score for personal loans?

There is no minimum credit score required for personal loans. Why not? Let us explain.

Your credit score is only one aspect of your application. In other words, lenders use a myriad of different criteria when assessing.

For example, consumer A may have a perfect credit score but is declined for a personal loan because of the following:

  • Poor repayment history with other lenders.
  • Having high regular expenses.
  • Any indication the consumer is under financial hardship, at the lender’s discretion.

Now, consider consumer B. Consumer B has a very poor credit score, but they are approved for a loan because of:

  • Good banking conduct.
  • Strong repayment history with other lenders.

Ultimately, your credit score is just one thing lenders look it. It is not the crux of your application.

Are there urgent cash loans for unemployed?

While we cannot make any guarantees, there may be lenders within our network able to offer loans to unemployed consumers. To be considered for approval, however, you will need to be earning a regular income. This could be in the shape of Centrelink payments or an income-earning asset.

If, however, you receive benefits, taking out a loan may not be your best option. In short, it can be expensive to borrow small amounts of money and credit may not solve your problems. As a result, consider the below options:

If you are considering a loan to cover a utility bill, get in contact with your provider. Utility providers will have hardship departments in place to deal with these situations; find out more here.

Receiving certain Centrelink payments may entitle you to an advance of your future payments. For more information, visit The Department of Human Services’ website.

Finally, call 1800 007 007 from anywhere in Australia to chat with a free and independent financial counsellor.

Urgent cash loans Australia

As you may have noticed, we love our technology here at Monzi. Not only does it make our application speedy, streamlined and usually paperwork free, but it lets us help consumers from every corner of Australia.

Monzi customers come in all shapes and sizes, from any corner of Australia; here are just a few examples:

  • Gold Coast, QLD
  • Devonport, TAS
  • Orange, NSW
  • Warragul, VIC
  • Victor Harbor, SA
  • Kalgoorlie, WA

Can I get a same day loan?

Same day fast cash access is absolutely possible through a lender in Monzi’s network. Unfortunately, there are too many variables at play that can affect how quickly you can access quick cash loans.

After all, certain lenders may offer cash loans no credit check, while others may assess applications differently.

In short, once an application leaves our system and is paired with a lender, we have no control over it. What we can guarantee though, is lenders will do their best to assess your loan quickly.

If the lender approves your application, they’ll get in contact with a digital loan contract. Depending on inter-bank transfer times, you could potentially expect to have access to your loan the same day or the next business day at the latest.

I need a loan urgently but have bad credit

There are options available to you if you need urgent access to cash but you have bad credit history. As we mentioned above, bad credit plays only one part of the approval process. In other words, lenders look at a whole range of factors when assessing – not just credit scores.

You will also notice Monzi asks you to log in to your online banking when you first apply. This is so we are able to digitally access the last 3 months of your bank statements. Lenders quickly get a feel for your current financial situation. Specifically, lenders consider your:

  • income;
  • expenses;
  • repayment history; and
  • spending habits.

Therefore, bad credit may not stand between you and approval. In short, if lenders can see you earning a consistent income and handle your expenses and repayments well, you may still be considered for approval.

What about urgent cash loans no credit check? Can Monzi help?

Unfortunately, we have no control over which lender you may be paired with. Moreover, each lender will have their own assessment policies – which Monzi cannot speak on. This is because each lender is a separate company and Monzi cannot speak on its behalf.

In short, a credit check may or may not be part of the lender’s assessment policies. As we mentioned above, your credit rating is only one part of a number of criteria. Therefore, even if a lender does perform a credit check, you may still be considered for approval.

Keep in mind, even if you are offered a no credit check loan, the lender will still let the credit reporting agency know you applied. Moreover, if you’re approved, the loan details will also be listed on your file.

In short, you are not guaranteed to be offered an urgent loan with no credit check.

How do I make repayments?

Repaying your loan is super easy, and may not take much effort. In short, lenders will generally set up a direct debit from your account if you’re approved. Therefore, lenders automatically deduct repayments until your loan is settled.

You and your lender will reach an agreement on repayment terms. Specifically, you may be able to opt for weekly, fortnightly or monthly repayments.

Finally, if you have the option, it may be worth considering lining your repayment schedule up with your normal pay cycle. Then, in theory, you should have enough in your account each time a repayment is due.

Does Monzi find payday lenders?

We may not be able to match your application with a payday lender. Instead, we’ll do our best to pair you with lenders offering personal loans. Not sure what the difference between the two is? We can explain that now.

Payday lenders are characterised by only offering small unsecured loans of up to $2,000, although certain lenders may be able to offer up to $5,000. Moreover, some payday lenders may only be able to offer very short repayment terms.

Personal loans, on the other hand, may offer more options. Specifically, consumers can apply for unsecured loans of up to $2,000 and secured loans from $2,100 to $10,000.

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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


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%. 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

24 months


48% annual percantage rate

67.41% comparison rate p.a.


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.

The Interest Rate for Secured Medium Loans is 48%. The Typical Comparison Rate is 67.41% p.a. 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

24 months


21.24% annual percantage rate

48% comparison rate p.a.


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.

The Interest Rate for Secured Large Amount Loans is 48%. Maximum Comparison Rate is 48% p.a. 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.