Loans as they should be
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Borrow up to $45,000 for a range of loan purposes
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Simple online application
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Loan terms from 12 to 60 months
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No early repayment fees
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Fast finance – funds typically disbursed within 24 hours of approval
Learn more about our emergency loans
Emergency Loans with Rapid
Nothing prepares you for unexpected emergencies. Whether it’s a medical incident, urgent car repairs or other unexpected expenses, these situations can arise without warning.
When you apply for an Emergency Loan with Rapid Loans, you’re applying for our secured personal loan product, which may be used for eligible unexpected expenses. All applications are subject to our lending criteria and approval.
A Rapid Loans secured personal loan uses an eligible registered vehicle as security and offers fixed interest rates, flexible repayment options and no early repayment fees.
Fast Access to Emergency Funds
When unexpected expenses arise, they may require prompt attention. At Rapid, our online application process is designed to be straightforward and simple.
Our secure application process is 100% online. If your application is approved and your loan settles, we’ll arrange for your funds to be transferred. Our secured personal loans require an eligible registered vehicle as security.
Types of Emergency Loans Available
Our secured personal loan products may be used for a range of eligible unexpected expenses, including:
- Medical expenses – urgent hospital visits or emergency dental procedures
- Car repairs – major repairs to help get your vehicle back on the road
- Household emergencies – urgent plumbing or electrical repairs
- Unexpected travel – last-minute travel for family emergencies
- Emergency pet care – unexpected veterinary treatment or surgery
Rapid Loans offers loan amounts from $2,001 to $45,000, subject to our lending criteria and approval. Our secured personal loans feature fixed interest rates, flexible loan terms and no early repayment fees.
Our emergency loans range from $2,001 to $45,000, which may help eligible applicants manage unexpected expenses. Some of our loan features include: fixed interest rates, flexible loan terms and no early repayment fees.
Do I Qualify for an Emergency Loan?
At Rapid Loans, every application is assessed individually against our lending criteria and responsible lending obligations.
To apply for a secured personal loan, you’ll generally need to:
- Be at least 18 years old.
- Be an Australian citizen or permanent resident.
- Have a regular income.
- Be able to meet your repayment obligations.
- Provide details of an eligible registered vehicle to be used as security.
Having a less-than-perfect credit history doesn’t automatically prevent you from applying. Every application is assessed individually based on your financial circumstances.
What Documents Do I Need for Urgent Loans?
To help us assess your application as quickly as possible, you’ll need to provide a few documents to verify your identity and financial circumstances. Having these ready before you apply can help avoid unnecessary delays.
You’ll generally need to provide:
- Valid identification
- Proof of income
- Details of your current financial situation
- Details of your eligible registered vehicle
Our online application process is straightforward and mobile-friendly. We aim to review applications as quickly as possible. If your application is approved and your loan settles, funds may be available the same or next business day, depending on your financial institution.
All applications are subject to our lending criteria and approval. Terms and conditions, fees and charges apply.
How It Works
1. Apply Online
Get started with our simple online application and be on your way in just a few clicks! Our secure online platform keeps your information safe.
2. We’ll Get In Touch
Your application will be reviewed and one of our friendly loan consultants will be in touch soon! We’re here to help.
3. Receive Funds
We take our commitment to being fast seriously! If you applied in the morning and were approved, your funds could be available the very same day.
Why go with Rapid for your loan?
Designed for Simplicity
Our auto and personal loan products are designed to make borrowing simple, with flexible options for loan amount, loan term and repayment frequency.
Fast Online Application
Our online application takes just minutes, and our secure online portal makes it easy to upload your supporting documents quickly and conveniently.
Real People, Ready to Help
Our dedicated Customer Service team is here to help. From application through to settlement, we’re committed to making every interaction easy to understand and supportive.
50,000 Customers and Counting
We’ve helped more than 50,000 customers access finance. Our experienced team understands that life isn’t always straightforward and is here to support you throughout the process.
Explore Our Other Loan Types
Student Loans
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Dental Loans
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Medical Loans
For when its time to prioritise your health
Renovation Loans
For when the house needs a refresh
Emergency loan questions
What can I use an emergency loan for?
A Rapid Loans secured personal loan may be used for a range of eligible unexpected expenses, subject to our lending criteria and approval. This may include:
- Urgent car repairs
- Emergency household repairs
- Medical or dental expenses
- Unexpected travel for family emergencies
- Emergency veterinary expenses
If you’re unsure whether your intended expense is an eligible loan purpose, our team will be happy to assist.
Can I get a loan with bad credit in an emergency?
Having a less-than-perfect credit history doesn’t automatically prevent you from applying for a loan. Every application is assessed individually against our lending criteria and responsible lending obligations.
In addition to your credit history, we’ll consider a range of factors, including your income, financial commitments and overall financial circumstances when assessing your application.
How fast can I get an emergency loan?
We aim to assess applications as soon as practicable. Providing all required documentation can help us assess your application without unnecessary delays.
In many cases, funds may be available on the same business day following approval and settlement, depending on your financial institution.
How much am I eligible to apply for?
The amount you may be eligible to borrow will depend on your individual financial circumstances and our lending criteria.
Rapid Loans offers secured personal loans from $2,001 to $45,000, subject to our lending criteria and approval. When assessing your application, we’ll consider a range of factors, including your income, credit history, financial commitments and overall financial circumstances.
Before I submit my application can you advise if I will get approved?
No. We can’t determine the outcome of your application until it has been fully assessed.
Every application is assessed individually against our lending criteria and responsible lending obligations. While our team is happy to answer questions about the application process or the information you’ll need to provide, we can’t advise whether your application will be approved before it has been assessed.
Hear from our happy customers
Learn how our loan system makes borrowing easy, quick, and hassle-free.