Emergency Loans for Bad Credit | 100% Online | Apply Today!

Empty pockets?
No worries!

Empty pockets? No worries! Empty pockets? No worries!

$2,500

$300 $10,000

18 Months

13 Months 24 Months

Estimated repayments

$52.19

$104.71

$228.77

Am I suitable for a loan?

The Interest Rate for Secured Medium Loans is 48%. Maximum Comparison Rate is 67.41% p.a.

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.

Emergency Loans for Bad Credit: For When the Unexpected Strikes!

Emergency Loans for Bad Credit: For When the Unexpected Strikes!

Looking for an emergency loan? 

Have you hit a bump in the road and need a loan quickly? Has bad credit prevented you from accessing finance in the past? If you answered yes to both these questions, then chances are you’re searching for emergency loans for bad credit. Pocket Cash is a lender finding service that can find lenders willing to give you a loan. We show your application to a number of online lenders to give you the best chance of approval. So if you’re interested in applying, read on to find out how you can apply online and if you’re eligible. 

What is an emergency loan? 

Emergency loans are personal loans provided to people to cover financial emergencies. When the unexpected occurs, these loans can be your safety net when you don’t have the funds to cover for it. Regardless of how you ended up in this unfortunate event, Pocket Cash can lend a hand. We understand that when the unexpected strikes, you need money fast. That’s why our application process is 100% online and you can apply anytime, anywhere.

It can be difficult to know what type of loan that will suit you best and that is affordable. Additionally, there are many lenders out there who offer different types of loans, making it hard to choose the right one for you. Pocket Cash is a lender finder, and we are here to make life a little bit easier for you. Once you have applied, we will show your application to a number of different lenders to give you the best chance of approval. 

What if I have bad credit?

Don’t stress! Bad credit can be seen as a huge red flag to traditional lenders like banks and credit unions. But Pocket Cash can find lenders who have a more modern and fresh approach to bad credit. That means you will be given a fair go at getting the finance you need, despite your credit score. 

Many lenders will conduct a credit check as part of their commitment to responsible lending. However, instead of rejecting your application solely on the basis of your credit score, these lenders can look at other ways to approve your application. So, if your bad credit score has been an issue for you in the past, Pocket Cash can link you with a lender willing to give you emergency loans for bad credit

How can Pocket Cash help?

We have built our lender finding service to provide a convenient way for Aussies to find lenders willing to give them a fair go. To make sure we deliver on this service quality, we have developed a completely digital and online service. Using our website as the base of communications, we are helping customers all across Australia find emergency cash loans for bad credit. 

Emergencies can happen in many forms and you may wonder what emergency loans for bad credit can cover. The great thing is, an emergency loan is a personal loan you can use for a variety of expenses. Here are some examples of what our customers have used their emergency loans for bad credit for:

Medical emergencies

With emergency loans for bad credit, you can cover all your medical expenses such as the Doctor’s fee, hospital bills, prescription medicines, surgery etc. 

Car repairs

If your car needs urgent repair, service or maybe you need money to cover registration costs, emergency loans can help you to get back on the road! Cars never break down at a convenient time and it can really hurt your finances. Apply with Pocket Cash for a quick and convenient service. 

Home repairs

We could help you find a lender that will lend you the money you can use toward a home improvement or repair project. 

Having to take work off

If you are currently receiving Centrelink benefits as income, you may be able to get loans for people on Centrelink! It may be difficult to find a lender that will provide you with loans for the unemployed. However, you can apply with Pocket Cash and let us do the searching for you!

How can I increase my chances for approval?

If you’re still concerned about getting approved for emergency loans for bad credit, there are a few, easy things that you can do to improve your chances. Additionally, there are a number of things you can do to improve your credit score.

If you have existing debt, you should start off by paying those bills on time to avoid default fees. Defaulting on your repayments will result in a drop in your credit score.

Pro tip – you could use emergency loans to consolidate debt! By consolidating debt, it’s easier to keep track of your payments and you can get lower interest rates. You should also fix any incorrect listings on your credit report. You can access a free annual credit report from the following credit agencies: Equifax, Experian and illion

Additionally, don’t apply for more credit than you need and show evidence that you are able to stick to your repayments to show lenders you’re not a risky borrower. 

How to apply for emergency loans bad for bad credit

Step 1: Submit An Online Application

Scroll up and use the loan calculator at the top of this page to select an amount and repayment period. When you’re satisfied just hit ‘Apply Now’. Next, Fill out the application form that should only take a few minutes. When you’ve submitted our team will start searching for a compatible lender.

Step 2: We Look For A Lender

The Pocket Cash team will show your application to a variety of different lenders to give you the best possible chance at approval. If we’re successful, we will put you in touch with your new lender immediately. If we haven’t been able to locate a compatible lender, our team will let you know. We don’t want to waste your time!

Step 3: Sign Your Agreement

The lender we have matched you with will send over an agreement for you to review and sign. We recommend you read through your agreement carefully and make yourself aware of all the terms and conditions. If you need assistance, get in touch with your lender straight away. When you’re comfortable with the terms of your contract just sign it and send it back to your lender.

Once your lender receives your signed agreement, they will transfer your cash directly to you. If you have an NPP-enabled bank account then you could have the cash in your account in just 60 seconds. If not, the money will most likely be in your account the next banking day.

What are the eligibility requirements to get emergency loans?

If you can tick off the following eligibility requirements then you’re eligible to apply for Pocket Cash’s lender finding service:

  • Be over 18 years of age;
  • Receive a regular income into a personal bank account for at least the last 3 months;
  • Be an Australian resident, or have permanent residency;
  • Have an active mobile number and email address;
  • Have internet banking setup.

Get your emergency loans for bad credit today!

Instead of scouring the internet for hours looking for a suitable lender, why not apply with Pocket Cash. An application could take you just a few minutes. Then we’ll get to work looking for a lender suited to you and your financial circumstances. 

Got questions? Visit our FAQ page to find your answer. Alternatively, you can get in contact with our team for more information.

Want to find loans without any hassle or stress? Easy online loans with Pocket Cash could be your answer!

Why choose Pocket Cash?