Last Minute Loans – Last Minute Finance Made Easy
When time is tight and you need funds fast, Trusty Finance has you covered. Our last minute loans are designed for speed and simplicity, with a process that puts you first. No hidden fees. Support you can trust. A friendly team ready to help.
Borrow up to $5,000 when you need it most.
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What is a Trusty Last Minute Loan?
A last minute loan from Trusty Finance is a fast, flexible personal loan between $2,100 and $5,000 designed to help you handle urgent expenses easily. You can apply online in minutes, get a quick decision, and, if approved, have your funds sent straight to your account – so you’re always ready for the unexpected.
Why Choose Trusty Finance for a Last Minute Loan?
We make last minute finance quick and simple.
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 a Last Minute Loan Cover?
A last minute loan from Trusty Finance can help you cover the costs of:
Moving costs
Cover your moving costs or rental bond so you can settle into your new place without stress.
Home improvements
Upgrade your home or replace appliances to make everyday living more comfortable.
Medical bills
Cover elective or unexpected medical costs and prioritise your health.
Travel & Holidays
Book a well-deserved holiday or secure a great travel deal without delay.
Emergency
Take care of emergency repairs or other unexpected costs when life throws you a curveball.
Who Can Apply For a Last Minute 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.
60 seconds!*
If you meet the borrowing criteria above, there’s a good chance you qualify for a Trusty Last Minute Loan.
Last Minute 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**
- No application fee
- No early payout fees
- $35 Missed Repayment Fee may be issued if a scheduled repayment is missed or returned unpaid
- Interest Rate
47%pa (comparison rate 66.0347%)
- Minimum Loan Term
12 months
- Maximum Loan Term
24 months
- Flexible Repayment Options
Weekly, fortnightly or monthly (based on your payday)
**Deposit into bank account up to a maximum of $4,580, due to the establishment and set up fees being financed under the loan.
Representative example: based on a loan of $2,200 over 12 months a borrower can expect to pay a total of $3,276. This represents a comparison rate of 47% p.a. and upfront fees of $420 included in loan repayments over the life of your loan. WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges.
Simple, Fast & Hassle-Free
We know urgent money needs come with enough stress already. That’s why we make last minute finance straightforward – so you get the funds you want, with a process that’s friendly, supportive, and built around you.
Our Commitment to Responsible Lending
At Trusty Finance, we take responsible lending seriously and 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
With Trusty Finance, you’ll always get quick assessments, flexible repayments, and local support – plus no hidden fees and no long waits. Get the money you want fast and without the stress.
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:
