Urgent Cash Loans

Savvy has access to more urgent cash loan providers, so you can overcome problems without the hassle of shopping around.

Written by 
Savvy Editorial Team
Savvy's content writing team are professionals with a wide and diverse range of industry experience and topic knowledge. We write across a broad spectrum of finance-related topics to provide our readers with informative resources to help them learn more about a certain area or enable them to decide on which product is best for their needs with careful comparison. Meet the team behind the operation here. Visit our authors page to meet Savvy's expert writing team, committed to delivering informative and engaging content to help you make informed financial decisions.
Our authors
, updated on September 12th, 2023       

Fact checked

At Savvy, we are committed to providing accurate information. Our content undergoes a rigorous process of fact-checking before it is published. Learn more about our editorial policy.

$2100
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$500
$50,000


Paid in 60 mins if approved*
Written by 
Savvy Editorial Team
Savvy's content writing team are professionals with a wide and diverse range of industry experience and topic knowledge. We write across a broad spectrum of finance-related topics to provide our readers with informative resources to help them learn more about a certain area or enable them to decide on which product is best for their needs with careful comparison. Meet the team behind the operation here. Visit our authors page to meet Savvy's expert writing team, committed to delivering informative and engaging content to help you make informed financial decisions.
Our authors
, updated on September 12th, 2023       

Fact checked

At Savvy, we are committed to providing accurate information. Our content undergoes a rigorous process of fact-checking before it is published. Learn more about our editorial policy.

When it's urgent, cash loans can help

Life is hardly ever dull, and it's full of both pleasant and unwanted surprises. You can access urgent cash loans for anything between $2,050 and $5,000 when you need to address an unplanned cost – but that doesn't mean you can't use a cash loan wisely for other purchases. It doesn't just have to be things you need to get done, like car or house repairs, medical and dental bills. You can use urgent cash loans to pay for things that make you happy too. Holidays, birthday or Christmas gifts – and even work equipment and career training – cash loans make just about anything more achievable.

How can Savvy help to qualify for a cash loan?

Here at Savvy, we know every single borrower has different needs – so we don't just direct you to any old lender. When you shop for online cash loans via Savvy, we'll quickly assess your requirements and pick the best option from our extensive list of lender partners and products. That means you've got more chance of a straightforward application process, and you're likely to get faster access to urgent funds too – exactly when you need them, not after a long, drawn-out process. We've helped thousands of Australians qualify for urgent cash loans, we know the marketplace, and we understand borrowers.

Why apply for a small loan with Savvy?

How to apply for an urgent cash loan?

All your urgent cash loan questions answered

What if I've got bad credit history - can I still get an urgent cash loan?

It's very likely you still can. Lenders look more at affordability than they do at history. They're more interested in your current financial situation than anything else. Even if you've got bad credit, urgent cash loans are a viable way to address unexpected expenses – and Savvy can select a lender who'll consider your application. Remember: lenders will always run a check of your borrowing history before approving you for a loan. Credible lenders won't offer you a loan with no credit check.

How do I repay an urgent cash loan?

Urgent cash loan repayment terms are extremely flexible. You can choose to borrow over anything between just sixteen days and two years, then set repayments up to match how you receive your income – which means monthly, fortnightly, or weekly.

How do other urgent cash loan fees work?

All urgent cash loan fees are capped – making them remarkably easy to budget and plan for, which is excellent in an emergency. You'll pay a maximum of 48% of your loan amount over the course of 12 months in monthly fees and $400 for the set-up cost.

Who can qualify for an urgent cash loan in Australia?

Anyone who is a resident or citizen, over 18, and has some form of regular income – which doesn't necessarily need to be wages. You can apply for an urgent cash loan on Centrelink, and you'll still be considered for an urgent cash loan when self-employed. The main requirement is that you can afford the repayments.

What are some urgent cash loan alternatives?

If you're buying a vehicle, an instant car loan could work well for you. If you want to borrow a more considerable amount over a more extended period, then you could consider applying for a personal loan. However, both of those options can come with early repayment fees, so if you think things might change and you'd rather borrow short-term without getting penalised for repaying early, you might be better off sticking with an urgent cash loan.

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Disclaimer:

The information on this website is of general nature and does not take into consideration your objectives, financial situation or needs.

For loans between $2,050 and $5,000, the APR is between 21.24% (minimum) and 48% (maximum) per annum. Comparison rate of 65.4962%. Minimum term is 16 days and maximum term is 24 months. The cost of the loan is a $400 establishment fee and monthly interest charged on the amount borrowed. For example, a loan of $3,000 over 3 months with an APR of 48%, (comparison rate of 65.4962%), will have an establishment fee of $400, monthly repayments of $1,225.20. Total repayments of $3,675.60 and total interest payment of $275.60.

Warning: A comparison rate indicates the true cost of a loan. Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.