Instant Loans – Fast and Efficient Funds
Whether you have to cover an unexpected bill, make an emergency purchase, or need some breathing room when timing matters, an instant loan from Trusty Finance can help. Our instant loans are straightforward, simple and ready when you are.
Borrow up to $5,000 when you need it most.
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What is an Instant Loan?
An instant loan is a secured personal loan between $2,100 and $5,000 that allows you to get funds fast. An instant loan from Trusty Finance gives you the help you need to move forward fast.
Why Choose Trusty Finance for an Instant Loan?
Applying for an instant loan should be fast, simple and reliable. That’s why we have simplified the way you borrow.
Borrow what you need
Flexible loan amounts to suit your financial gap.
Fast approvals
Because life doesn’t pause for you to catch up
Affordable repayments
Manageable instalments that fit your budget
What Can an Instant Loan Cover?
A Trusty Finance Instant Loan can help you cover the costs of:
Unexpected Bills
From car repairs to dental work – get it sorted without delay.
Medical Expenses
Take care of your health-related costs without putting them off.
Weekend Entertainment
Get instant funds and enjoy an action-packed weekend.
Essential Technology Purchases
Replace your laptop or phone when it suddenly gives out.
Who Can Apply For an Instant Loan?
You may be eligible to apply for a Trusty Personal Loan 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.
60 seconds!*
If you meet the borrowing criteria above, there’s a good chance you qualify for a Trusty Instant Loan.
Instant 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 fee
- 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
Whether you have upcoming medical expenses or need urgent home repairs, an instant loan can help ease the pressure. Apply online in minutes and, if approved, get the funds sent straight to your account quickly, simply, with no hassle. No paperwork, no long waits, just fast access to the money you need.
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.
How much would you like to borrow?
A Faster and Simpler
Way to Borrow
We make borrowing money simple. Our process is 100% online, with fast approvals and flexible repayments. No hidden fees, no unnecessary delays – so you can solve a financial bottleneck quickly.
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
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
Loans for other occassions
Need financing for something else? Trusty Finance offers flexible loans for a variety of needs:
