Emergency Loans

Emergency Loans – Support When You Need It Most

Unexpected emergencies happen. That’s why Trusty Finance provides straightforward emergency loans that can help you manage unexpected expenses. You can trust us to assess your loan application quickly and fairly, so you have an answer fast.

Borrow up to $5,000 when you need it most.

What is an Emergency loan?

An emergency loan from Trusty Finance is a secured personal loan between $2,100 and $5,000 to help manage unexpected expenses – whether it’s a medical bill, urgent home or car repair, or a shortfall that can’t be ignored.

Get a lump sum to cover urgent costs upfront, and repay in equal instalments, with clear terms and no hidden fees. Everything is handled online, so you can get a quick answer when you are in a tight spot, wherever you are.

Trusty Finance, Here If You Need an Emergency Loan

At Trusty Finance, we believe that if something needs sorting sooner rather than later, getting support should be simple, fast, and free from added stress.

Borrow what you need

Flexible loan amounts to suit your financial gap.

Fast approvals

Because emergencies require quick answers.

Affordable repayments

Equal, manageable instalments that fit your budget.

What Can an Emergency Loan Cover?

A Trusty Finance Emergency Loan helps you manage the cost of life’s unplanned moments:

Urgent Medical or Dental Expenses

Get support for unexpected out-of-pocket medical costs without delay

Car Repairs or Essentials

Keep moving with funds for mechanical issues, servicing or replacement parts.

Home Repairs

Fix a broken appliance, a leaking pipe, or anything else that can’t wait.

Higher than Expected Bills

Cover your unexpectedly high bills with ease when timing doesn’t quite line up with your cash flow.

Who Can Apply For an Emergency Loan?

You’re eligible to apply if you:

Are at least 18 years old
Are employed with consistent income for 90 days
Are an Australian Citizen or permanent resident with a fixed address
Have an active email address, phone number & online banking details in your name
Own a motor vehicle registered in your name
Are in control of your current finances and handling your existing financial commitments

We assess each application individually, so if you meet these criteria, you’re already on your way to approval.

Receive your cash in
60 seconds!*

Check your Eligibility

If you meet the borrowing criteria above, there’s a good chance you may qualify for a Trusty Emergency Loan.

How it Works

Emergency Loans: Rates & Fees

We believe in transparent lending – no hidden fees or nasty surprises.

Loan Amount

$2,100 – $5,000**

Fees

$400 establishment fee**
$20 set up fee**
Interest rate of 47% per annum
No application fee
No early payout fees

Loan Term

12-24 months

Flexible Repayment Options

Weekly, fortnightly or monthly (based on your payday)

Missed Repayment Fee

$35 fee may be issued if a scheduled repayment is missed or returned unpaid

**Deposit to a bank account up to a maximum of $4,580 due to the establishment and set-up fees being financed under the loan.

Simple, Fast & Hassle-Free

Handling the unexpected doesn’t need to feel overwhelming. Apply online and, if approved, have your funds sent straight to your account. No paperwork, no delays, no added pressure.

Check if you are eligible Our eligibility checklist makes it easy to check your eligibility before you apply

Apply online Fill out our quick and simple online application in minutes

Get a quick decision We process applications quickly, so you get a decision fast

Receive your cash Once approved, accept your offer, and funds are sent directly to your account

Our Commitment to Responsible Lending

At Trusty Finance, we take responsible lending seriously. We are committed to ensuring our loans are manageable and sustainable for our customers.

We only approve loans that are affordable and manageable based on your financial situation.
We follow strict responsible lending guidelines to ensure transparency.
We’re committed to helping you borrow smarter, with clear terms and no hidden fees.

If you ever need support with repayments, we’re here to help. Read our full Responsible Lending Statement.

The information provided on this website is general in nature and does not take into account your individual objectives, financial situation, or needs. It is intended for informational purposes only and should not be considered financial, investment, or professional advice.

Before making any financial decisions, we strongly recommend assessing whether the information is suitable for your circumstances. Trusty Finance does not provide personalised financial advice, and you should seek independent financial, legal, tax, or other professional advice tailored to your specific situation.

How much would you like to borrow?

How much?

Borrowed over:

12 months 24 months

Payment frequency

Weekly Fortnightly Monthly

Estimated weekly repayment*

$81.01

Ready to get started? Apply today and you could receive a same-day outcome on your application*

Loan details

12 months Loan term
$1,072 Interest & Fees
$3,172 Total to pay

Check your eligibility

WARNING: This calculation is true only for the examples given and may not include all fees and charges. The above is based on an interest rate of 47% and establishment and set up fees of $420. Approval is subject to your needs and affordability and lending criteria being met.

Your Emergency Loan
Questions Answered

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Can you get an emergency loan paid fast?

At Trusty Finance, we’ve made the process as straightforward as possible. If approved, your emergency loan is paid directly into your bank account, usually within the same day. There’s no paperwork to chase and no drawn-out steps, just a simple way to get support when you need it.

Is it hard to get a $5000 emergency loan?

Trusty Finance offers secured personal loans between $2,100 and $5,000, and we’ve designed the process to be clear and approachable. There’s no overwhelming paperwork or confusing fine print, just a simple online application and fair, transparent terms to help you manage what’s in front of you.

How to get $2500 fast?

When you have a financial emergency, timing can make all the difference. At Trusty Finance, we offer emergency loans starting from $2,100 to help cover the costs that can’t wait. The process is entirely online, with no paperwork, just a simple way to get the funds you need.

Can you get an emergency loan paid fast?

Is it hard to get a $5000 emergency loan?

How to get $2500 fast?

View all

Why Trusty Finance

A Faster and Simpler
Way to Borrow

We make accessing emergency funds straightforward and stress-free. Our process is 100% online, with quick approvals and flexible repayments. No hidden fees, no hold-ups – just the support you need, when you need it.

Receive your cash in 60 seconds!*

Super Fast Approvals

Get a decision in minutes

Simple Application

Easy to understand, 100% online

Flexible Repayments

Weekly, fortnightly or monthly

Trusted & Transparent

No hidden fees, ever

100% Australian-based

Local and trusted support

What Our Customers Say

Real stories from real people who’ve used Trusty Finance to take control of their finances.

I wish I had known about you earlier!

The stress and processes of trying to get a loan has been exhausting and depressing! Trusty made it very easy and someone was there to help if I had any questions.

Mitchell Smythe Wollongong

Made me feel comfortable

I was worried about my credit score, but the team at Trusty Finance made me feel comfortable by taking the time to answer my questions.

Stacey George Sydney

Made me feel comfortable

I was worried about my credit score, but the team at Trusty Finance made me feel comfortable by taking the time to answer my questions.

Stacey George Sydney

Process was so easy

Trusty made the process so easy! I had used other lenders in the past and their processes are often long and painful with too many steps and hoops to jump through.

Josh Turner Adelaide

Process was so easy

Trusty made the process so easy! I had used other lenders in the past and their processes are often long and painful with too many steps and hoops to jump through.

Josh Turner Adelaide

Really easy first experience

This was my first time using Trusty, and it was really easy. I will definitely stick with them if I need money.

Jackie Ford Sunshine Coast

Very polite customer service

Very polite customer service officer resolved my inquiry immediately, no problem, thank you.

Emily C Melbourne

Very satisfied customer

Trusty was there when needed the most.

Ava Marie Brisbane

I wish I had known about you earlier!

The stress and processes of trying to get a loan has been exhausting and depressing! Trusty made it very easy and someone was there to help if I had any questions.

Mitchell Smythe Wollongong

Made me feel comfortable

I was worried about my credit score, but the team at Trusty Finance made me feel comfortable by taking the time to answer my questions.

Stacey George Sydney

Made me feel comfortable

I was worried about my credit score, but the team at Trusty Finance made me feel comfortable by taking the time to answer my questions.

Stacey George Sydney

Process was so easy

Trusty made the process so easy! I had used other lenders in the past and their processes are often long and painful with too many steps and hoops to jump through.

Josh Turner Adelaide

Process was so easy

Trusty made the process so easy! I had used other lenders in the past and their processes are often long and painful with too many steps and hoops to jump through.

Josh Turner Adelaide