Quick Online Loans

From Small Loans to $5OK For Any Purpose

Eligibility Criteria for Quick Personal Loans

  • Employed and have a stable regular income
  • Not have more than one active personal loans
  • Not in financial hardship or bankruptcy
  • Not on Job Seeker/Youth Allowance
  • Permanent resident or citizen
  • Proof of regular income
  • No more than one active loan

Personal Loans Upto $4800

Term: 12 Months - 24 Months.

Rates: Maximum Interest rate: 45.99% p.a.

Comparison Rate:37.10% p.a. to 65.70% p.a.

Establishment Fee: $400

Example: This comparison rate is based on $3600 over 12 months. These are secured and unsecured loans, so lender might ask for security as well. The minimum loan term is 12 months and maximum loan term is 24 months or more.

Personal Loans $5K - $50K

Term: 12 Months - 5 Years or more.

Rates: Interest rate: 14.2% p.a.*

Comparison Rate:14.65% p.a.

Example: Loan Amount of $50,000 over 5 years repayable. A monthly $1,190.60 Repayment at a maximum of 14.64% p.a. Comparison Rate. These are secured loans, so lender might ask for security as well. The minimum loan term is 12 months and maximum loan term is 5 years or more.


These are estimated rates only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change.

Count on Loans Buddy
to deliver the best service for each application

Emergency Cash Loans: A Saver For Quick Cash Solution!

Do you need a quick loan to address a financial emergency? Are you looking for a quick loan service to provide emergency cash until your next payday? You don't have to worry about it, as many online lenders offer Emergency Cash Loans. Loans Buddy offers a great lending program for working-class people needing a few hundred dollars to use until they get their next paycheck.

Emergency or urgent loans can be a lifesaver when you have an unexpected expense or don't have enough savings. These loans can be quickly funded to cover last-minute expenses and gaps in your income. The best urgent and emergency loans will give you cash when needed, and you can repay them over several weeks or months.

Emergency Cash Loan: What Does It Mean?

An Emergency Cash Loan is a short-term loan you can quickly access in an unplanned financial emergency. These loans are typically unsecured and do not require collateral. They are also intended to be repaid in a very short time, usually within weeks or months.

At Loans Buddy, you can quickly get such a loan, often within 24 hours. These loans are designed to assist borrowers with all credit scores to obtain the financing they need to overcome life's challenges.

The traditional loans you get from banks or credit unions typically take several days to process, so they aren't great options if you need money quickly. These institutions often have stricter credit requirements, which can lead to disqualification for many borrowers.

These emergency cash loans can be used to pay unexpected expenses such as car repairs or medical bills. Although these loans are available to all credit types, they are often more expensive than traditional loans due to higher interest rates and fees. In a nutshell, they are great if you have urgent cash needs.

In What Situations Do You Need Emergency Cash Loans?

Borrowers typically need an emergency loan to cover immediate expenses such as the following:

  • Urgent car repair: Cars represent most people's primary mode of transportation. If your car breaks down unexpectedly, your regular income might be insufficient to pay for the repairs. You can get emergency cash loans to pay for repairs.
  • Emergency home repairs: Your house could be at risk from a leaking roof or a broken appliance. This can make your home and family more vulnerable to the elements or lead to further property damage. You can get an emergency loan online to fix these problems quickly.
  • Debt: It can be difficult to pay outstanding bills, especially if there is no steady source of income. Emergency loans for unemployed Australians may help these situations. These loans can pay off your mortgage or other urgent debts.
  • Emergency travels: These travels are for unexpected situations or family emergencies. Because they are not always predictable, emergency funds can be used to provide enough money for travel expenses such as plane tickets or trains.

Choose Loans Buddy & Get A Loan To Help With Your Emergency

Loans Buddy offers much more than emergency cash loans 24/7 in Australia. No matter how urgent your situation, you don't want money borrowed from anyone. You need to partner with someone with a lot of experience and committed to customer service.


Loans Buddy has been helping people obtain the emergency loans they need for a long time. Since then, we have funded over a million loans and removed all barriers to lending so that everyone can access the emergency funds they require whenever they need them.

Customer Service

Our quick loans are designed to meet your needs. We make it as simple as possible to get you money quickly. After you receive your loan, you can access the internet at any time to view your loan status and track your repayments. You can also get help from us when deciding how much to borrow. To help you solve any problem, please get in touch with us immediately.

We are always available to help you!

The loan repayment terms and due dates are clearly established at the beginning. We will help you create a contingency strategy that suits your needs if you experience an unexpected event that you haven’t planned for.

How does Emergency Cash Loans benefit?

  • It is easier to get emergency loans. - People in urgent need of cash can often get emergency cash loans. Lenders can release loans quickly, unlike home or auto loans that take a long time to release. This type of loan is best if you don't want stress from the release process.
  • These loans are easier to pay. - Emergency loans are easy to get and convenient to pay. Most people who apply for this loan don't use it as much. Personal loans for emergencies are better if you only need a small amount.
  • Don't borrow more than you really need. If you do not, you could end up financially strapped. You should only borrow what you really need to cover an emergency.

  • Most cases don't require collateral. - These personal loans are for people who need immediate financial assistance. Most lenders won't require collateral even if the borrower is a credit-worthy individual. If you've been paying your debts on time over the last months, this will give you an advantage when applying for this type of loan.
  • It is much easier than other types of loans.-The application process is simple and easy, apart from the actual release process. You don't need to submit paperwork regarding your property because there is no collateral. You only need to provide the necessary paperwork, such as proof of identity, income, and any other documents you may be required to submit. You must wait for approval after submitting the documents.
  • Quick access to cash.- Access to cash is the last thing you should worry about. Personal emergency loans may be the best option if you need cash quickly. Lenders will often release cash immediately if the application is approved, particularly if it's an emergency.

Who can apply?

Loans Buddy believes in easy application and simple criteria. Because we don't want people to be discouraged from applying, our application criteria are simple and inclusive. We only ask that you meet these criteria:

  • An Australian citizen or permanent resident.
  • 18 years or older.
  • The applicant owns an Australian phone number and an email address.
  • You can comfortably pay your monthly repayments.
  • You do not have any loans or have applied for loans in the past 90 days.

If you answered "yes" to all the criteria, you could apply for an emergency loan from Loans Buddy. Submit your application now to get a quick response and fast emergency loans when you are most in need.

Submit your loan application today!

Nothing is more stressful than an unexpected expense that you don't have the funds to cover. Loans Buddy can help with emergency cash loans, whether your fridge or washing machine has burst or you need to pay a vet bill or medical bills. An emergency loan is a quick, easy, and affordable way to pay for your expenses when your savings aren't enough.

When life gets messy, turn to Loans Buddy!

Loans Buddy offers hassle-free online applications which take just a fraction of as long to complete. You don't have to waste time filling out lengthy and complicated applications. Loans Buddy can help.

Rates & Costs

Medium Personal Loans

$2,001 - $5,000

Loan term

3 - 24 months


1. A one-off $400 as an upfront establishment fee.

2. Under the current legislation, security is required for these loans.

3. In APR terms, the maximum annual percentage rate on these MACC loans is 65%.


Loan Amount of $2,500 over 18 months repayable (73 weekly repayments). $2,500 Principal Amount + $400 (One-off Establishment Fee) + Approx. $45 Weekly Repayment at a maximum of 65% Annual Percentage Rate. These are secured loans, so lender might ask for security as well.

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.