Emergency Loans Online up to $10,000
$500-$10,000 emergency loans for any emergency. Quick. Secure. And structured with your best interests at heart.
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Calculate your repayments
What this means...
- Interest Rate p.a.
- 29.90%
- Comparison Rate p.a.
- 41.64%
- Total Repayment
- $4,212.51
Minimum weekly repayment*
$81.01
Ready to get started? Get your personalised rate and repayments without impacting your credit score or see our rates & fees
*Includes an interest rate of 29.90% (Comparison Rate of 41.64%). All prices are indicative and applications are subject to assessment. Fees and charges are payable. The Comparison Rate is based on an unsecured personal loan of $2,500 for a term of 2 years. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Emergency Loans the Way You Need Them. Fast.
At Fair Go, we’re here to help our customers get on with life, which sometimes means providing emergency loans so you can deal with the curve balls life can throw at you. Emergency house or car repairs. Emergency medical or vet bills. Any emergency, in fact. An emergency cash loan can be a quick solution for urgent financial needs.
As one of Australia’s largest non-bank personal loan providers, we’ve used all our finance and tech smarts to make applying for an emergency loan as quick, secure and stress-free as possible. We’ve made it easy because you’ve got enough to deal with.
And as a responsible lender, we’ll ensure you know exactly how much your emergency loan will cost upfront and that you don’t take on more than you can afford. We’ll personalise our rates to minimise your borrowing costs and do everything we can to progress your application ASAP. It is important to understand the loan agreement terms to ensure you are aware of the repayment conditions and associated fees.
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Rates (APR), fees & features
Small Amount Loans
Read More: Small Amount LoansMedium Amount Loans
Read More: Medium Amount LoansLarge Amount Loans
Read More: Large Amount LoansFor our loans of $500 to $2,000 an APR (Annual Percentage Rate) does not apply. For loans above $2,000 maximum APR is 48%. *All prices are indicative for an unsecured personal loan and fees and charges are payable. WARNING: The comparison rate is true only for the example loan amount and term selected and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
1. Comparison Rate is based on an unsecured personal loan of $1,000 over a term of 6 months. Fees and charges are payable.
2. Comparison Rate is based on an unsecured personal loan of $2,500 over a term of 24 months. Fees and charges are payable.
3. Comparison Rate is based on an unsecured personal loan of $10,000 over a term of 24 months. Fees and charges are payable.
Ready to get started?
How to Apply
With no early payout fees, our flexible range of online loans are perfect for the changing needs of hardworking Aussies. And because our rates are personalised, they’re highly competitive, whatever your credit rating.
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Apply Now
All it takes is 6 minutes with our secure online application form.
Accept Offer
If approved, accept your offer signing online with a secure SMS code.
Receive Finance
Your funds are transferred as cleared funds so you can start using it sooner.
Personalised Support
If you need a little help with anything, simply talk to our support team.
We're with you
So why Fair Go Finance?
We want what’s best for our customers. And we show it every day with loans and service tailored to you.
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Genuine customer service
Our genuine, down-to-earth team is here for friendly, helpful advice – and zero jargon.
Personalised pricing
We get to know your situation to craft a tailored rate just for you.
Credit score boost
Make timely repayments on an initial easy-to-manage loan to actively boost your credit score.
Check if you qualify
Learn how likely you are to get approved, with no impact on your credit file.
How can we help you?
Below you’ll find answers to the most frequently asked emergency loan questions
Our emergency loans are personal loans that you can use for any emergency.
With an emergency loan, you can apply for $500-$10,000, fast. What’s more, you’re free to use your cash as you wish – they’re loans to help you get through whatever life throws at you. A cash loan is a quick and accessible financial solution for emergencies.
And because we’ve used all our finance and tech smarts to make our application process as quick and easy as possible, you can
Anything. Any emergency situation. Any urgent or unexpected cost, expense or bill. You can of anything from $500 to $10,000 to cover or spread the cost of any unexpected expense. An emergency expense is a common reason for needing quick funding solutions.
Emergency home repair loans
Emergency car repair loans
Emergency accommodation or travel loans
Emergency medical, dental or surgical loans
Emergency vet care loans for your furry, feathered or scaly friends
At Fair Go, we’re here to help you move forward and deal with whatever life throws at you, with personalised loans that minimise unnecessary borrowing costs, financial risks and stress. If you find yourself in need of emergency funds, you can use an emergency loan for various urgent expenses like car repairs, medical bills, and rental bonds. You can and get a provisional decision in minutes. Alternatively, contact our friendly team on 1300 324 746 or via live chat.
Emergency loans come with a host of benefits designed to help you navigate unexpected financial challenges. One of the primary advantages is the quick access to cash. When you need funds urgently, emergency loans can provide the much needed cash immediately after approval.
Flexibility is another key benefit. Whether it’s for car repairs, medical expenses, or any other unexpected bills, you can use the loan for a variety of purposes. The convenience of online applications and fast approval processes means you can get an emergency loan from the comfort of your own home.
It depends on your financial situation and credit rating, but we offer emergency loans ranging from $500 to $10,000, giving our customers the flexibility to take out quick loans to deal with a whole host of emergencies.
If you need an emergency loan but you’re concerned your credit rating will be a problem, read our blog about how to find out your credit score. Alternatively, contact our friendly team on 1300 324 746 or via live chat and find out more about our quick and easy bad credit loans.
We can’t promise to provide a loan if you have a bad credit rating, but if we can find a way to provide the loan you need and help you repair your credit history in the process, we will.
While a bad credit rating can prevent you from taking out an emergency loan, or limit the amount you can borrow, we’re here to help you in any way that we can. We believe everyone deserves a fair go and assess every application on its merits.
If you think your credit score may be a problem, or you’re not sure if you have a bad credit rating, watch our video about how to find out your credit score. You can request a free copy of your credit report from Equifax to find out if – and why – you have a bad credit history.
Once we understand your situation, we’ll be able to advise you on the best way forward. Our friendly team is here to try to help you get the cash you need and turn your bad credit history around.
Apply online in less than 6 minutes. Our clever online application form is quick and easy to complete – apply from anywhere in Australia, anytime day or night.
A little human touch may come into play. If your application isn’t given an immediate outcome, a friendly credit consultant will be in touch to confirm what they need clarified, or if there’s a different amount or product they can offer you.
Get approved: If you’re offered a loan and you’d like to proceed, simply accept by electronically signing in the contract using an SMS code sent to your mobile phone.
Receive your funds within minutes: We use Real-Time Funding to instantly transfer the funds to your account.
Start your online application and see for yourself. And remember, if you run into any problems with our online application or have any questions about the approval process for our personal loans, we’re here to help. Call our team on 1300 324 746 or contact us online via live chat.
How much you are eligible to apply for will depend on your current financial circumstances and requirements. As a Responsible Lender we want to make sure your loan is affordable for you, so we will always need to complete your assessment first before we can provide you with the loan amount you’re eligible for. Loans for bad credit are available to cater to diverse financial situations and urgent needs.
Our loans are based on your individual and current financial circumstances. Until we receive your application and your bank statement information, it is not possible for us to guarantee you will be approved.
Our loan repayments vary depending on the loan amount, the loan term and the interest rate. You can use our loan calculator as a guide, however because we tailor our rates to your unique credit profile, we will not be able to confirm any repayments until your assessment is complete.
The interest rates for our loans are calculated using risk-based pricing, which simply means the better your credit rating, the better the interest rate you can be eligible for. We won’t be able to confirm what interest rate you may be eligible for until your assessment is complete, however you can see the range of our interest rates for our personal loans here.
The usual waiting time to receive your loan application outcome is between 24-48 working hours.