Emergency Loans When Life Throws a Curveball
When life hits hard, you can’t afford to wait. Quick Loans delivers emergency loans from $800 to $20,000 with 60-minute approval. No bank queues, no endless paperwork, no weeks of waiting. Get funds in your account within 24 hours and handle your crisis now, not next month.
4.5 rating with 1,216 Google reviews
Borrow
$800 – $150,000
100% Online Application
It’s easy. Only 6 mins
Get Approved
In just 60 mins*
Calculate Your Emergency Loan Repayments
Use our New Zealand online instant personal loans calculator & determine the repayments you can afford & how much you should borrow. Usually, you’ll make a deposit on the item you wish to purchase, which acts as security, & we then spread the rest across your repayment term. Our fast loans are subject to credit checks & in accordance with the responsible lending code of NZ.
Choose your term
Repayment Details
1 YEAR
Your Weekly Repayment
$22.60 PER WEEK* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
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Our customer rating
4.6/5
* This is an approximate loan duration and amount based on assumed adequate security & collateral, job security, income, residence situation and positive references. This is subject to the New Zealand responsible lending code. Terms and conditions apply.
Rates
With Quick Loans, our maximum loan term is 36 months, with affordable weekly or monthly loan payments. We offer competitive annual interest rates ranging from 9.95% to 26.95% p.a. depending on the purchase you’re making, your credit rating, and the loan duration. For full details on the loan agreement, including early repayment options, terms and conditions, establishment fees, and default interest rates, please see our Rates and Fees page.
Terms
Before applying with Quick Loans, it’s important to understand our terms and conditions. By submitting an application, you consent to us collecting and securely storing your personal information. We aim to keep all the information on our website accurate and up to date. If you notice anything that doesn’t look quite right, please get in touch with us in writing and we’ll do our best to correct it promptly. All our loans are subject to the New Zealand Responsible Lending Code.
Security
Your personal information is protected with end-to-end encryption across all our web forms, keeping your data safe and secure throughout the application process. We handle all loan details with a high level of confidentiality, following strict security standards to prevent unauthorised access. We also fully comply with New Zealand’s privacy laws, ensuring you have complete transparency over how your data is collected, stored, and used. We don’t share your information with third parties without your consent. To learn more, please read our Privacy Policy, which outlines exactly how we protect and manage your personal information.
Why Choose Quick Loans For Emergency Finance?
Responsible Lending
We assess what you can actually afford, not just what you want to borrow. If your circumstances change, we’ll work with you to adjust your repayment plan rather than adding pressure.
Flexible Repayment Terms
Choose weekly, fortnightly, or monthly payments up to 3 years to suit your budget. We work with your circumstances, not against them.
Real People, Not Algorithms
No overseas call centres or computer systems deciding your fate. Our local assessment team treats you with respect and understanding during stressful situations.
Fixed Rates, No Surprises
Competitive fixed interest rates from 9.95% mean predictable repayments you can budget around. Full transparency on terms and fees from day one.
Minimal Early Repayment Fees
If your emergency resolves faster than expected, you won’t be penalized. Our low early settlement fees give you flexibility as circumstances change.
Emergency Loan Options When You Need Cash Fast
Emergencies don’t wait for payday, and neither should you. Quick Loans provides emergency finance from $800 to $30,000 or more with 60-minute approval to tackle urgent situations fast.
Medical emergencies
Get the healthcare you need without waiting for payday or draining your savings.
- Unexpected medical procedures or hospital bills
- Urgent dental work
- Specialist consultations
- Mental health support
- Urgent Home Repairs
Keep your home safe and habitable when disaster strikes.
- Storm or flood damage
- Emergency plumbing or electrical work
- Structural repairs
- Pest control emergencies
- Vehicle Breakdowns
Get back on the road quickly when your car is essential for work or family.
- Urgent car repairs to get back on the road
- Replacement vehicle costs
- Towing and transportation expenses
- Family Emergencies
Be there for your loved ones when they need you most.
- Emergency travel for family matters
- Unexpected legal costs
- Funeral expenses
Other unexpected expenses
Cover urgent costs that can’t wait for your next pay cycle.
- Veterinary emergencies for pets
- Essential technology replacements for work or study
- Rental bonds when you need to move urgently
- Urgent bill consolidation
Sarah’s Emergency Vehicle Repair
Sarah’s car broke down on the way to work, and the mechanic quoted $5,000 for urgent engine repairs. She needs her vehicle to get to her job in Henderson every day, and can’t afford to be without it for weeks waiting for bank approval.
Approximate Loan Details:
- Principal: $5,000
- Interest rate: 15.95% p.a.
- Term: 24 months
- Total interest: ~$836
- Total repayable: ~$5,836
- Monthly payment: $243
Sarah applied with Quick Loans at 10am, approved by 11am, and had funds in her account by the next morning. Her car was back on the road within 48 hours, and she structured her repayments around her fortnightly pay cycle to make budgeting easier.
**This is not an actual loan. You will receive a formal offer from Quick Loans upon approval, and all the interest rates and repayment terms will be listed in the document.
NZ Customer Reviews
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Fast, Easy Loans For Kiwis
It’s easy to get a loan for your needs. Follow the loan application process below to apply.
STEP 1
Complete our online loan application form in as little as 6 minutes, we promise!
STEP 2
Your application will be assessed by a human – not a computer. You’ll hear back in as little as 1 hour. We’ll explain the interest rate and repayment schedule, as well as the methods on how you can repay the loan.
STEP 3
If your loan is approved, you’ll get access to the digital loan documents following the NZ responsible lending laws, and the money will be deposited in your account within 24 hours.
Getting started takes only 6 minutes.
APPLY NOWHere are our emergency loan FAQs
How quickly can I expect a response after applying for emergency loans with Quick Loans?
At Quick Loans, we understand the urgency of needing quick cash in times of need. Once you submit your application for an emergency finance, you can expect to hear back from us within 60 minutes. Our goal is to provide you with a fast and efficient service when you need it most.
I’m facing a sudden medical emergency and don’t have insurance. Can finance for an emergency help?
Yes, our quick loans for emergencies are designed to cater to unexpected situations like medical emergencies. They can provide the funds you need to cover medical bills or related expenses when insurance isn’t an option.
I’ve experienced a sudden death in the family and am facing unexpected expenses. Can emergency instant loan from Quick Loans help?
Absolutely. We understand that dealing with the loss of a loved one is challenging and often comes with unforeseen expenses, such as funeral costs, travel for family members, or settling immediate bills. Quick Loans offers instant loans tailored to assist during such difficult times, ensuring you can focus on your family and grieving process without the added financial stress.
I’m unsure if my situation is a genuine emergency. How do I decide if I need emergency loans?
True emergencies often have immediate and severe consequences if not addressed. Assess the urgency and long-term impact of your situation. If it can wait or be planned for, reconsider the loan. Always aim to avoid unnecessary financial strain and seek advice if unsure.
What if I take out an emergency loan and later realise it wasn’t a true emergency?
It’s crucial to evaluate situations carefully before seeking financial aid. However, if you find that the loan wasn’t necessary, consider repaying it early to minimise interest. Always review your terms regarding early repayments and reach out to them for guidance on the best course of action.
Can I get a $3,000 loan with bad credit?
We assess each application individually because we know your current situation may not reflect your credit history. While not every applicant with bad credit will qualify, we make every effort to help where possible. Having security like a vehicle or property, or a guarantor who can support your application, significantly improves your chances of approval.
How do I request an emergency loan?
Apply online in minutes or call our Christchurch team directly for urgent assistance. Our team assesses applications within 60 minutes during business hours. If approved, funds are deposited in your account within 24 hours so you can address your emergency quickly.
How quickly can I expect a response after applying for emergency loans with Quick Loans?
At Quick Loans, we understand the urgency of needing quick cash in times of need. Once you submit your application for an emergency finance, you can expect to hear back from us within 60 minutes. Our goal is to provide you with a fast and efficient service when you need it most.
Easy, Fast Loans With Our ‘Digital Signature’ Service
You’re busy. We get that. That’s why you can sign for, and receive your funds, without even leaving your house. Our digital- signature service provides an even more stress-free, convenient service for you. If you’ve got a smart-phone or a computer, you can apply and get approved today!
Click here to start the process