Emergency Loans up to $25,000!

  • Fast Emergency Application
  • Apply in minutes with a fast loan decision in 60 minutes1!
  • Loans Paid Out in 60 Seconds
  • Get your money sent fast in an emergency - after signing your loan contract2
  • Get Your Best Loan Rate
  • Get the best personal loan rate we can give you3 - fast!
Emergency Loans
Car Loans

Personal Loans Interest Rates

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $11,965.68. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.05% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 8.69% (12.05% comparison rate) and a starting maximum of 21.24% (32.52% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.

WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

Emergencies Fixed Fast with Noddle!

Sometimes emergencies crop up and in their nature, they are always unexpected and often need a fair amount of cash to fix up, which may not have been budgeted for. Noddle could help in these urgent situations by giving you the nod on fast personal loans up to $25,000 for all kinds unexpected costs - fast!

Many kinds of emergencies require funding from unexpectedly large bills, car repairs, replacement washing machines or refrigerators to replacing a lost, broken or stolen mobile phone. Some emergencies require fast medical or dental treatment, while others may be for the health of your pet to cover vet bills or treatment.

Whatever the emergency, Noddle may be able to assist with a fast emergency loan at the best rate we can give you, with Rates starting from 8.69% APR and a Comparison Rate of 12.05%.

  • Unexpected Bills
  • Car Repairs
  • Car Service Expenses
  • Replacement White Goods & Repairs
  • Mobile Phones, Laptops and Computers
  • Replacement TVs and Other Broken Appliances
  • Medical Bills & Treatment
  • Dental Bills
  • Vet Bills
  • Emergency Bond Loans
  • Emergency Travel Loans
  • Tax Bills
  • Home Repair Costs
  • Funeral Costs
  • Other Emergencies Considered

Fast Emergency Loan Process

Fast Loan Application

Your application with Noddle should be fast and simple. We only ask for the most important details that we need in order to evaluate your application in an emergency. We start by getting the type of loan you want and how much you intend to borrow. Next we need your personal details plus your employment and any benefits you may be receiving, so we can accurately assess your income for your loan affordability. Next we need to know about your expenses, such as rent, mortgage, groceries, travel, credit cards & loans and utility bills. After that, we need to take a digital download of your bank statements, so we can review and confirm what you have already given us and to determine whether the loan is affordable for you.

This part of your application should be quick and easy to complete and most customers complete their application with us within 6 to 12 minutes.

Get Started

Fast Loan Decision

One of the most important things you need to know when getting an emergency loan is how long it will take to get a decision. With Noddle, we can provide you with a loan decision in 60 minutes of completing your application1.

Fast Pay Out

If after reviewing your application and we have given you a loan offer and you are happy with the rate and the terms, just sign the loan contract and we can pay your loan directly into your bank account within 60 seconds2!

What is an emergency loan?

An emergency loan is a type of personal loan, intended to cover unexpected or unplanned costs or expenses. They are usually provided the same day, but that is determined by the lender. Emergency loans generally range from $2,100 up to $25,000.

How long does the application take?

With Noddle, the whole application can usually be completed between 6 and 12 minutes on average.

How long will I have to wait in an emergency?

Noddle works with some advanced tech loan decisioning in the background, which helps us evaluate your loan application in real time. In most cases we can provide you with a loan approval decision within 60 minutes of completing your loan application1 with us. After you have reviewed and accepted the loan terms and signed your contract with us, we can make a payment directly into your bank account in 60 seconds2!

What can an emergency loan be used for?

Emergency loans can be used for all kinds of emergency, urgent or unplanned expenses from medical bills, car repairs, replacement electronics or white goods to rental bonds or travel expenses or holidays.

Do you consider dental bills as emergencies?

Absolutely, yes. Dental bills are a very common form of emergency loan which need to be dealt with fast.

Will vet bills qualify for emergency loans?

Vet bills are often larger than expected but are not something that can wait; vet bills qualify as emergency loans.

How can I qualify for the best loan rate with Noddle?

This is done automatically within the Noddle application process. Just complete your application with us and if everything goes well, Noddle will provide you with a loan offer at the best rate it can3, based on your individual financial situation. If Noddle can't help you directly, will can forward your application to be matched against a panel of lenders for you to complete your loan application.

Will my loan be paid into my bank account?

Yes, it will. As soon as you sign your loan contract with us, we will make the payment - within 60 seconds of signing2!

What will my loan cost me?

This will depend on the best rate we can provide you and that is determined by your individual credit profile. Please see our Costs and Charges page for more details.

When will I have to repay my loan?

The loan term will depend on the amount you borrow and the affordability of the loan. Generally, loan terms range from 9 months to 24 months. Larger loans up to $25,000 may run over a longer loan term.

How quickly can I get approved outside of office hours?

For most borrowers, we can review and approve your loan application 24/7 within 60 minutes of application. That is anytime of day or night, 7 days a week - which is important in an emergency. In some cases, documents are required or bank statements are missing, in which case, the application may be delayed until it can be manually reviewed, during regular office hours, so please consider this, when making your application in an emergency, out of our regular office hours.

Personal Loans Interest Rates

Credit criteria and terms and conditions apply. Representative example: based on a loan of $10,000 over 36 months a borrower with an excellent credit history can expect to pay a total of $11,965.68. Interest rates vary subject to a full credit assessment. This represents a comparison rate of 12.05% p.a. and includes all interest and fees included in your loan repayments over the life of your loan. For our personal loan product the APR starts from a minimum of 8.69% (12.05% comparison rate) and a starting maximum of 21.24% (32.52% comparison rate). The minimum loan term is 9 months and the maximum loan term is 24 months.

WARNING: This comparison rate is valid only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan.

60 Minute Loan Decisions

1 60 Minute Loan Decisioning and Approvals are an average, to be used as a guide for a typical customer and are not guaranteed. 60 Minute Loan Decisioning and Approvals are not available when applicants apply outside of our normal business hours of 8am till 4pm Monday to Thursday, 8am till 12 noon on Fridays and Saturdays AEST or public holidays.

Loans Paid Out in 60 Seconds

2 It is possible to have your funds sent to your bank account in 60 seconds, if you have a New Payment Platform enalbled (NPP-enabled) bank account. A large number of Australian banks use NPP including ANZ, Bendingo Bank, Bankwest, Bank of Melbourne, Commonwealth Bank, Citigroup, HSBC, ING, NAB, St.George and more. Check whether your financial institution is NPP-enabled.

Best Loan Rate for You

3 Noddle does not have one fixed loan rate which it uses for all customers and loan applications, but will offer tailored loan rates depending on your individual circumstances and financial profile, as reviewed, during your credit assessment. Noddle will work to offer our best loan rate we can give the customer. If we can't assist a customer at our best rate, we will review the application against the next tier and rate until we find a match for the customer. This allows us to say 'yes' and give more customers 'the nod' with Noddle.

If Noddle is unable to assist with a loan directly, we may refer the application to a third party panel of lenders to 'get the nod'.