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Emergency loans for life events

Life's moments are important.

Not having the money for a wedding, birthday, funeral, reunion, or those emergency moments that you want to attend can mean these events pass without you.

An Instant Finance personal loan can help you celebrate those once-in-a-lifetime moments without a worry.

Have a go using our loan calculator or talk to one of our helpful team members to find out more about financing life's events with emergency loans.

Whether you need urgent finance for a funeral or are looking to plan your finance for a future wedding expense, we have a personal loan solution for you.

You can continue an application you started previously.

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Loan Calculator

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Fortnightly
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Includes Establishment fee from $100 to $220 depending on amount of new money borrowed, Administration fee of $3 per instalment & an ID Verification Processing Fee of $7.70. Repayments shown are an example based on an Interest Rate of 19.95% p.a. Instant Finance offers personalised rates ranging from 12.95% to 29.95%. Minimum weekly repayment amount is $25. Minimum instalments, loan terms and responsible lending criteria, terms and conditions apply.

Rates & Fees
Loan Calculator

How much would you like to borrow?

Monthly
$
Fortnightly
$
Weekly
$

Total repayable based on weekly instalments. $

Apply now

Includes Establishment fee from $100 to $220 depending on amount of new money borrowed, Administration fee of $3 per instalment & an ID Verification Processing Fee of $7.70. Repayments shown are an example based on an Interest Rate of 19.95% p.a. Instant Finance offers personalised rates ranging from 12.95% to 29.95%. Minimum weekly repayment amount is $25. Minimum instalments, loan terms and responsible lending criteria, terms and conditions apply.

Rates & Fees

  • Fast online application

    Apply from anywhere, anytime! Not only is the application form fast, but it helps us collect all the information we need and process your application faster too.

  • Same day response

    When you need cash, you don't want to be held up. You can expect a same-day response about the next steps for your application.

  • Money in your account within 24hrs of approval

    Once your loan application is approved, you could have money in your account within 24 hours and get back to what you love.

  • Personalised rates

    Get an interest rate of your own! We know there's no one size fits all, so we tailor our interest rates to you and your financial situation. Why not have a play with our calculator?

We're making applying for your emergency loan online easy!

Apply online

With our easy loan application process, you can apply for a loan without leaving the couch! Make sure you have valid photo ID, proof of income and proof of address on hand to make the process smooth too.

We'll tailor your loan to you

We'll get in touch with your official quote including your personalised interest rate and repayment terms. These will be influenced by your credit history and past debt.

Get your money within 24 hours!

Once you accept the loan for renovation, you'll have the cash in your account within 24 hours, so you can get that home renovation planning started.

Apply for a Life Event loan today

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Why choose Instant Finance?

  • Easy online loan application process: Instant Finance can help you with life event loans starting from $200. For larger occasions such as a funeral or a wedding, loan amount can be much larger, ranging up to $50,000. Applying for loans online helps us process your application even quicker, so get started today with our simple loan application form and get quick cash.
  • Affordable loan repayment plan: Instant Finance provides fixed-rate personal emergency loans with an interest rate between 12.95% - 29.95% per annum. We also have easy to manage repayment plans to suit your financial situation. We will help choose the best plan for you, helping decide the best loan term and loan amount for your situation.
  • Fast funding: Once your personal loan has been approved, in most cases, you can have the money in your account within 24-hours or the following business day.
  • Personal service: We pride ourselves on being a responsible lender with the best customer service and have done so for over 50 years! Our friendly and knowledgeable team are here to help and support you throughout the loan application process.

Needing an urgent loan with bad credit? 

Concerned a bad credit score or past finance may affect the decision when applying for an emergency loan?

We know that things don't always go to plan, but we're here to help. As a responsible lender, we listen to your unique circumstances and can make car finance decisions that are both responsible AND fair for you. Find out more about getting urgent loans on bad credit.

Our knowledgeable and friendly staff are here to help too and will take the time to understand your current financial situation. From there, our team can establish the best option for you and even help you plan a household budget to make sure you stay on top of your loan repayments. Getting an urgent loan with bad credit is definitely a possibility with us.