Emergency Loans & Urgent Loans in NZ

Emergency loans with Quick Loans are your financial safety net when life throws a curveball and you need some quick cash! In those moments when unexpected expenses pop up, our instant loans step in to offer a swift and reliable solution. Whether it’s a sudden medical bill, an unplanned home repair, or any of life’s unforeseen challenges, our tailored instant loans and online loan applications ensure you’re never left in a lurch. With a streamlined application process and transparent terms, Quick Loans makes securing emergency finance a breeze. So, when the unexpected happens, remember we’re here, ready to provide the instant loans and fast cash you need to navigate through smoothly.



$1,000 – $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 48 months. Our fast loans are subject to credit checks & in accordance with the responsible lending code of NZ.

Great, here’s your calculation

Our maximum loan term is 3 years so your repayments on a $6650 loan must be $70 (or more) per week

Takes only 4 mins

$30 per week

Your data is secure

Padlock icon - secure loan

Trusted by


Our customer rating

google-logo-reviews 4.6/5

* This is an approximate loan duration based on assumed adequate security & collateral, job security, income, residence situation and positive references.

Instant Loans – Tips for Navigating Financial Emergencies

Tip 1

Prioritise and Plan: Before diving into instant loans, take a moment to assess the situation. List out all the immediate expenses and prioritise them. This will not only give you clarity on how much you need to borrow but also ensure that the most pressing needs are addressed and paid first when you get that instant finance and quick cash.

Tip 2

Emergency Budgeting: In times of financial strain, re-evaluate your monthly budget. Identify non-essential expenses that can be temporarily cut or reduced. This not only frees up some cash but also helps you understand where your money goes, allowing for better financial choices during and after this stressful time.

Understanding Quick Cash Uses: Needs vs. Wants

Understanding the difference between genuine emergencies and mere overreactions is MORE than just a life skill; it’s the foundation for good financial health and peace of mind. Whether you’re a parent navigating unexpected medical bills, a homeowner faced with sudden repairs, have a fur baby that needs an emergency vet appointment or an individual grappling with unforeseen expenses and in need of quick cash to solve your problem, recognising real emergencies can be your financial lifeline.

Identifying real emergencies isn’t about reacting to every hiccup! It’s about knowing the difference between genuine needs and fleeting wants. It’s about ensuring that your hard-earned money is spent wisely, addressing immediate and genuine concerns rather than impulsive desires. Making this distinction is a strategic move that can save you from potential debt traps and financial pitfalls in the long run. If you truly think you NEED an emergency loan as fast as possible we’ve got your financial back! With Quick Loans as your trusted guide, you’re partnering with experts in the NZ emergency loans and professional quick cash loans, guaranteeing flexible terms, competitive rates, a straightforward application process and clear terms and conditions.

Ready to master the art of distinguishing real emergencies from mere overreactions? Equip yourself with the knowledge and support from Quick Loans today! Start your easy application or get in touch and contact us to learn more about our fast emergency loans NZ.


Why Quick Loans is Your Top Pick for Emergency Loans?

Caught in a financial pinch? Need cash fast? Breathe easy! Quick Loans is here to be your beacon in those unexpected moments when things are tight and you’re in need of some quick cash. We specialise in providing emergency loans that are swift, straightforward, and tailored to the NZ landscape. Whether you need to pay a sudden medical bill, an unexpected home repair, or any other unforeseen expense, we’ve got your back. And the cherry on top? Our flexible criteria and fast response times ensure you get the support you need, right when you need it. When you apply for our easy online emergency loan, you can rest easy knowing that you will get quick responses from our team! Find our online application form here!

Here’s How Quick Loans Enhances Your Finance Experience:

  • Swift, Trustworthy, and Digital: Dive into our 100% online loan application process and enjoy rapid confirmations for your to put your mind at ease!
  • Smooth Financial Aid: Our emergency finance loans are designed to be as smooth as a calm sea. No bumps, no surprises, just clear and straightforward terms.
  • Transparent Tidings: We champion clarity – no tricky jargon or hidden fees. With Quick Loans, you’re always in the loop.
  • Flexible Framework: With a minimum term of 6 months, we shape our offerings to align with your specific needs and repayment capabilities.
  • Friendly Interest Rates: Starting from just 9.95%, our rates ensure your financial stability remains intact with our personalised interest rates.
  • Low-Cost Early Settlement: Want to settle early? We’ve got a low early settlement fee, giving you the freedom to manage your finances your way. With Quick Loans, your loan experience is set to be efficient, effective, and exemplary.

Talk To Us Today – Get Instant Finance Today


NZ Customer Reviews

Fast, Easy Loans For Kiwis

Applying for your new loan is easy. Get access to your digital loan documents with privacy.



Complete our quick and simple loans online application form in only 7 minutes.



Your application is assessed by human – not a computer who’ll call you back within 60 minutes.



If your loan is approved, you’ll get access to digital loan documents and the money will be paid into your bank account, subject to the responsible lending code and affordability.

Getting started takes only 5 minutes. Our online application form for loans online is fast & easy.


Here 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.

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