URGENT LOANS?
Get up to $100,000 paid within 60 min*
- Borrow from $500 to $100,000
- Fully Online Application with Paperless Process
- Instant Decisions and Same-Day Cash*
Urgent Loan Options for Different Needs
- Our Process
How Urgent Loans works
Our process is designed to help Australians explore personal loan options in a clear and responsible way. Loan availability, rates, and repayment terms depend on your financial situation and lender assessment.
Apply Now
Our online application takes just 6 minutes to complete.
Accept our offer
We send you the loan terms. You accept with a secure SMS code.
Get your funds
Once approved, funds will be transferred to your bank account on the same day.
Stay supported
Support is available if you have questions about anything related to loan.
Loan approval, funding timeframes, and terms vary based on individual circumstances and lender assessment.
Loan information*
Small Loans
- Loan amount: $500 – $2,000
- Loan term: 16 days – 12 months
- Fees: 20% establishment + 4% monthly (flat)
- Other fees and charges may apply
Example
Repayment
Weekly
Loan Amount
$1,000
Term
28 weeks
Establishment fee
$200
Total monthly fee (over 28 weeks)
$280
Total Repayable
$1,480
Medium Loans
- Loan amount: $2,001 – $5,000
- Loan term: 9 weeks – 24 months
- Fees: up to $400 establishment fee
- Interest: up to 47.80% p.a
- Other fees and charges may apply
Example
Repayment
Weekly
Loan Amount
2,500
Term
28 weeks
Establishment fee
$400
Total monthly fee (over 28 weeks)
$394.74
Total repayable
$3,289
Large Loans
- Loan amount: $5,001 – $100,000
- Term: 13 months – 72 months
- Costs – Maximum charges: 48% comparison rate based on $10,000 repaid over 36 months
Example
Repayment
Monthly
Loan Amount
$10,000
Term
36 Months
Total interest (over 36 months)
$9,038.96
Total repayable
$19,038.96
*Important Information & Disclaimer
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 comparison rates shown are based on the examples provided and may not include all fees and charges. Different loan amounts, terms or fee structures may result in different comparison rates depending on the lender that finances your loan.
The information on this website is general information only and does not take into account your objectives, financial situation or needs. Credit criteria, fees, charges, terms and conditions apply. Products and rates displayed are subject to individual credit assessment. Examples are for illustrative purposes only and do not constitute an offer of credit.
All applications are subject to credit provider, applicant’s eligibility and credit assessment. Terms, fees and costs vary by lender and individual circumstances.
Trusted by Australians
- 100% Australian owned
- Loan options available for bad credit profiles
- Secure online application process
Safe and Secure. 5 min application*
What Our Customers Say
Don’t just take our word for it – hear from real customers who got UrgentLoans.
Frequently Asked Questions
What is an urgent loan?
An urgent loan is a loan designed to help cover unexpected or time sensitive expenses. These loans are commonly used for things like medical bills, car repairs, or short-term cash gaps. Loan terms and approval depend on your financial situation and lender assessment.
How much can I borrow with an urgent loan?
Loan amounts typically range from $500 up to $100,000, depending on eligibility, income, credit history, and the type of loan. Smaller amounts are usually short term, while larger loans have longer repayment periods.
How quickly can urgent loans be approved?
Approval times vary by lender and individual circumstances. Most applicants may receive a decision on the same day.
Can I apply with bad credit?
Yes, you can apply with bad credit and get approval on same day.
What happens if I miss a repayment?
Missing a repayment may result in additional fees or charges. It can impact your credit file. Contact the lender as soon as possible if you are experiencing financial difficulty. Support options may be available.
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