Solve problems as they arise

Emergency Loans with Rapid

Nothing prepares you for emergencies. Whether it’s a medical incident, urgent car service, or covering essential costs after the loss of a job, having quick access to cash can make all the difference.  

Rapid offers emergency loans to help everyday Australians when life’s unexpected challenges occur.

When you apply for an Emergency Loan with Rapid Loans, you are applying for one of our secured personal loan products, which may be used to help cover eligible unexpected expenses. All applications are subject to our credit eligibility criteria and approval.

If you need support today, a secured emergency loan backed by your registered vehicle can provide peace of mind and fast financial relief. 

Fast Access to Emergency Funds

When emergencies occur, unexpected expenses often require prompt attention. At Rapid, our process is designed to make applying for an emergency loan straightforward and simple. 

We know that emergency expenses can’t wait, which is why our process is 100% online and gives you access to finance if your application is approved. Our secured loans utilise a registered vehicle as collateral.

We’re here to help you move forward with the financial support you need. 

Types of Emergency Loans Available

Our secured personal loan products may be used for a range of eligible unexpected expenses. 

Here are some possible uses for an emergency loan

• Medical expenses – urgent hospital trips or emergency dental procedures
• Car services – major repairs or getting back on the road after an accident
• Household emergencies – major plumbing or electrical repairs
• Unexpected travel – last-minute flights for family emergencies
• Emergency pet care – unexpected vet treatments or surgeries

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, we assess every application against our credit eligibility criteria and lending requirements. 

To qualify for an emergency loan with Rapid, you need to be at least 18 years old, and an Australian citizen or permanent resident. You must have a stable income and can demonstrate your ability to manage the repayments. Our loans are secured by your vehicle, so a registered vehicle is required. 

We know that when emergencies happen, financial pressures are difficult to manage. We won’t automatically rule you out if you have a less-than-perfect credit score. 

What Documents Do I Need for Urgent Loans? 

To help us assess your application as soon as practicable, you will need to provide a few documents to verify your identity and give insight into your financial situation. Gathering these in advance allows you to submit your application sooner. You will need to submit valid identification, proof of income, details of your current financial situation and vehicle details. 

We understand our customers are real people, that’s why our application process is straightforward, mobile-friendly and designed to take the stress out of borrowing. Most of our customers receive a response from our team within one business day. In many cases, funds may be available on the same business day following approval and settlement, depending on your financial institution.

All applications are subject to our credit eligibility criteria and approval. Terms and conditions, fees and charges apply.