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Straight to the source.
No middlemen, no running around. You deal directly with us from application through to repayment.
When the unexpected cannot wait…
Emergency Loans
for the moments that matterA burst pipe, urgent vet visit or essential repair can need a practical answer. Check cheaper support first; if a loan still fits, apply online for $300 to $5,000 with every cost clear upfront.
Choose your loan amount
$300
Choose your repayment term
$16.62/week
$33.23/fortnight
4.8/5 8,873 Reviews
4.9/5 6,960 ReviewsThis calculator provides indicative interest rate and repayment estimates across CashnGo's lending products for general guidance only. It does not constitute an offer of credit. Actual loan terms, rates, and fees may vary based on your circumstances, our credit assessment, and responsible lending obligations.
- Quick, not rushed Apply online in about five minutes. Most people receive an outcome in seconds; some applications need a closer look.
- A licensed direct lender You deal with CashnGo from application to final repayment — no broker or lead-selling middleman.
- Know the cost first Your fees, repayment schedule and total are shown before you decide whether to sign.
Emergency Loans
Help for the expense you did not see coming
Emergency loans are personal loans used for urgent, one-off costs such as car repairs, essential plumbing, dental treatment or veterinary care. The aim is to solve a specific problem without losing sight of the repayments that follow.
CashnGo offers Small Loans from $300 to $2,000 and Medium Loans from $2,100 to $5,000. Choose only what the emergency needs, use the calculator and review the full amount payable before signing.
When every member of the family matters
An urgent vet bill rarely arrives at a convenient time. A clear quote helps you compare the loan with clinic payment plans, pet-insurance options or help from family before choosing what works.
What is an emergency loan?
An emergency loan is not a special legal product. It is a personal loan used for an expense that is urgent and difficult to postpone. With CashnGo, amounts up to $2,000 are Small Loans and amounts from $2,100 to $5,000 are Medium Loans.
The online application takes about five minutes and most people receive an outcome in seconds. Some applications need extra information or manual review, and approval is never guaranteed.
Check the lower-cost doors first
For essentials, a provider hardship plan, eligible Centrelink advance or No Interest Loan may solve the problem for less. Emergency relief services can also help with food, utilities, transport and other immediate needs.
If the pressure is ongoing, call the free National Debt Helpline on 1800 007 007. If those options do not fit and the repayment is manageable, the CashnGo costs are laid out below.
Applying for Emergency Loans
From urgent expense to a clear decision
Work out what the problem actually costs, compare available help, then apply only for the amount your budget can comfortably repay.
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Quick & easy application
Apply online in around five minutes. We’ve kept the questions simple and the unnecessary paperwork out of the way.
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Safe & secure
Your information is handled securely and confidentially, so you can apply with confidence from wherever you are.
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A quick decision
Our smart technology assesses your application quickly, so you can get an outcome in seconds where possible.
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Fast funds
Once approved, we’ll transfer your funds within seconds. Depending on your bank, it may take a little longer to arrive.
Emergency Loans rates, fees and features
Compare our Small Loan and Medium Loan side by side. The amount, term and full cost offered to you will be shown before you sign.
Small Loans $300 – $2,000 Fee-based, so there is no interest and no APR
Loan term
62 to 180 days, which is roughly 3 to 6 months
Establishment fee
20% of the amount you borrow
Monthly fee
4% of the amount you borrow, every month
Interest rate (APR)*
Does not apply. These loans are fee-based only, so the APR is not applicable
Maximum comparison rate**
Does not apply
What that looks like
Borrow $1,000 over 3 months and you repay $1,320 — your $1,000 back, a $200 establishment fee and $120 in monthly fees
Usually used for
Car repairs, a vet bill, a rent gap or a bill that landed before payday
Medium Loans $2,100 – $5,000 One establishment fee plus a capped interest rate
Loan term
3 to 12 months
Establishment fee
$400, charged once
Monthly fee
None. Interest applies instead
Interest rate (APR)*
Up to 48% p.a.
Maximum comparison rate**
65.6597% p.a.
What that looks like
Borrow $3,000 over 12 months and you repay $4,289 in total, including the $400 establishment fee
Usually used for
Larger one-offs like a used car, a house move or dental work
We're with you
Steady help when it is urgent
Cheaper options pointed out first, costs shown plainly and a real team on the line. CashnGo has received five ProductReview.com.au awards in six years.
How It WorksWe could brag. But our customers do it better
See Reviews and FeedbackEmergency Loans questions, answered
Practical answers for urgent expenses, alternatives, timing and loan costs.
Emergency loans can cover eligible one-off personal expenses such as urgent car, plumbing, dental, medical or veterinary costs and replacement of an essential household appliance.
Ask the service provider about a payment plan, check whether a Centrelink advance or No Interest Loan is available, and compare the loan’s total repayment with your normal budget.
The online form takes about five minutes and most people receive an outcome in seconds. Some applications need more information or manual review and can take longer.
CashnGo loans range from $300 to $5,000. The amount offered depends on the urgent cost, your income, regular expenses, existing commitments and capacity to repay.
Yes, you can apply. We run a credit check but also consider your current income, spending and ability to make the repayments. A previous issue does not guarantee approval or decline.
The National Debt Helpline provides free, confidential financial counselling on 1800 007 007. Services Australia, No Interest Loan providers and local emergency relief organisations may also offer lower-cost help.