Who Can Help Me With Money Urgently?

We can help you get approved fast when you need money urgently.

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Last updated on August 4th, 2022 at 04:38 pm by Thomas Perrotta

Access money when you need help urgently with a cash loan through Savvy

If you’ve hit a financial speedbump and need help with money urgently, it might seem like there isn’t anyone who can help you. Fortunately, that isn’t the case. Savvy is partnered with a variety of reputable and understanding lenders who can approve your application and give you access to the funds you need fast.

Our online application process is simple and efficient, with instant outcomes possible once you fill out your form and money hitting your account as soon as the same day you apply. Start your application with us today and have your urgent expenses covered before you know it.

Who can help me access the money I need urgently in Australia?

When you’re in a tough spot with money and need funds urgently, you can apply for a fast cash loan from a specialist lender through Savvy. In terms of how these loans work, they’re designed to be fast, flexible and widely available to those who may not be able to access the funds they need at the speed they need them. Cash loans, otherwise known as payday loans or small loans, are available from as little as $300 up to $5,000 and can be repaid over anywhere from 16 days to two years (depending on the size of your loan) either on a weekly, fortnightly or monthly basis. They can act as a one-off emergency payment which you can take as much time as you need to repay.

A key advantage of these loans when you need money urgently is that they can be processed and approved rapidly. Once you submit your application, you’ll receive an instant outcome informing you of whether your form meets your lender’s automatic requirements. If this is a positive outcome, you’ll have your application formally assessed and can be approved and have your funds reach your account as soon as the same day you apply.

The speed it takes for you to receive your funds is dependent on several factors, so it may differ from person to person. The areas which can impact the speed of a cash loan are:

  • The time of transfer: while you can apply for your loan 24/7 and receive an instant outcome, formal processing and approval isn’t possible outside of business hours. As such, if you apply for your loan late at night, you may only be able to have your application looked at the next business morning.
  • Your bank’s transfer speed: the time it takes to hit your account may not ultimately down to your lender, but your bank. Not all banks are able to process transfers instantly, particularly if they’re made outside of business hours on weekdays or on a weekend.
  • The strength of your application: there may be situations where your lender requires more details or documents from you to verify the information provided in your application. This may be the case if you’re self-employed or have just started a new job. This may hold up the formal process slightly, but not by much in most cases.

How do I apply for an urgent money loan in Australia?

The cash loan application and approval process is easy and can all be completed from your computer or smartphone. The steps to follow are:

Make sure you’re eligible

First and foremost, you should make sure that you qualify for this type of finance. Although eligibility criteria can differ slightly between lenders, anyone can get the help they need with money if the following key points are met:

  • You must be at least 18 years old
  • You must be an Australian citizen or permanent resident
  • You must be earning a consistent income from stable sources
  • You must have a working email and phone number
  • You mustn’t have any payday loans outstanding

Fill out Savvy’s application form

Next, you can fill out your application. You’ll need to supply the following information:

  • How much you need and the reason you need it
  • Your full name and date of birth
  • Your contact details, address and monthly living costs (rent, board or mortgage payments)
  • Your job title, place of employment and time in your job
  • Your income after tax, how often you’re paid and whether half or more comes from Centrelink

Supply documentation

On top of this, you’ll also need to prove your identity, so make sure you have at least one or two of the following handy:

  • Driver’s licence
  • Passport
  • Medicare card
  • Proof of age card

You’ll also be required to provide access to 90 days’ worth of bank statements via your online banking.

Receive an instant outcome

Once you’ve provided all of this information, you can send it off and receive an outcome. If this is an instant approval, your lender will go ahead and formally assess your application, financial situation and credit file to determine whether you’re capable of repaying your loan and that all the information you’ve provided is accurate.

Receive formal approval and sign your contract

If they’re happy with your application, you’ll be sent a loan contract to read over, sign and return. This will confirm all the details of your loan agreement, such as your fees and repayments. Once your lender receives this, the funds can be advanced directly into your account as soon as the same day.

How much will my urgent loan money cost overall?

The cost of your loan will be determined by two factors: the size of your loan and the length of your term. This is because the fee structure is as follows:

  • Establishment fee: one-off fee split evenly across your repayments. This is capped at 20% of your loan amount for loans up to $2,000 and $400 for larger loans.
  • Monthly fee: recurring cost charged on each repayment. This is capped at 4% of your loan amount for loans up to $2,000 and 48% per year for larger loans.

As such, you can save over your loan term by shortening your loan term, given that there’ll be less repayments for monthly fees to be charged on. The table below demonstrates this for a $1,000 loan:

Loan term Establishment fee Monthly fee Fortnightly repayment Total loan cost
12 months
Nine months
Six months

More questions about getting money when you need it urgently

What can I use my emergency one-off small loan payment for?

Small loans are designed to be highly flexible to a wide range of needs. This can include a range of urgent expenses, including:

  • Covering medical or rising household bills
  • Serving as an instant loan for your car, such as to pay for repairs
  • Helping pay for rent if you’re close to falling behind
  • Paying for flights interstate or overseas to see family in need
Can I get approved for a small loan if I’m unemployed?

Yes – provided you’re earning a stable and consistent income. There are several Centrelink benefits which can be counted towards your total earnings on a small loan, including the following:

  • Aged pension
  • Disability pension
  • Carer payments
  • Single parent payments
  • Family Tax Benefits
Am I still able to apply for a loan with bad credit?

Yes – lenders are willing to look past your credit score when it comes to assessing your application. They’re more interested in your current ability to repay the loan you’re applying for and whether there are any recent defaults which may be important to consider when assessing your profile and credit history. While there isn’t such a thing as a loan with no questions asked, bad credit isn’t a barrier to accessing the urgent finance you need.

Are there any other options available when I need help with money urgently?

Yes – there are other options you can turn to when you need money desperately. Some of these include:

  • Centrelink crisis payment or advance payment
  • Emergency relief services from charity and community organisations
  • State or territory housing department


It’s important to consider these options if you find your funds are stretched too thinly. However, these options may not enable you to access up to $5,000 or use them for a variety of purposes which you may need.