Nimble Emergency Loans

One thing no one tells you about adult life is the way emergencies love to strike at the worst possible moment. That tree root growing through the sewer line simply doesn't care that you've just emptied your savings account to pay for a repair on your car. When you find yourself thinking, "I need an emergency loan today", think Nimble. We specialise in getting emergency loans ASAP.

Can You Get Emergency Loans Today?

In the digital age, you don't have to wait for much. You can get a lot of things quickly online, but expenses can pop up just as quickly. Why shouldn't the solution be just as fast?

When you need money for an emergency loan, you shouldn't have to wait for days to get approval or carve time out of your day to head to a lender and sit around an office. At Nimble, an instant emergency loan online is within easy reach.

How Nimble Emergency Cash Loans in Australia Work

To be eligible for emergency payday loans in Australia, you need to be an Australian citizen, be 18 or older, and have an active bank account that offers internet banking. You also can't get be relying on Centrelink for the majority of your income. If you meet these simple requirements, there's nothing stopping you from applying. The emergencies of life don't discriminate, and we offer emergency loans for anyone who is considered eligable and meets the Nimble lending criteria. 


Getting emergency loans online starts with creating a Nimble account and applying for either a small loan or a personal loan. A Nimble Small loan lets you borrow between $300 and $2,000 while a Nimble Personal loan can get you between $2,050 and $5,000.

Log in to your bank account with us online and we'll take a look at your finances together. We have a lot of experience with emergency loans in Australia, and we'll never loan you more than you can afford to pay back. We can help you decide the right loan size for you and work with you to establish a repayment schedule that works for you.


Once you've gone through the simple application process, all you have to do is wait a few minutes while we verify the details. Assuming you apply in time and your application is approved and confirmed by 4:30 pm on a banking day, we can often provide emergency cash loans in one hour in Australia.


With Nimble, there's no need to worry about hidden fees and unexpected charges. Everything is transparent from the beginning, and unless you change the terms of your repayment, you won't see any changes. To make things simple, we set up a direct debit from your bank account when you apply for your online loan.

With direct debit, you never have to worry about whether payment has gone through or if you've forgotten the date. All you have to worry about is having enough money in your account on the right day, and we send you an email the day before to help you do just that. Even better, we don't penalise you for paying your loan off early. If things go well and you can pay off the loan quickly, we'll be the first to congratulate you!

Choose Nimble & Get A Loan To Help With Your Emergency

We've got a lot to offer at Nimble besides emergency cash loans 24/7 in Australia. No matter what your emergency, you don't want to borrow money from just anyone. You want to work with someone with plenty of experience and a commitment to customer service.


At Nimble, we've been helping people get the emergency loans they need since 2005. We've funded more than a million and a half loans since then, removing the traditional barriers associated with lending so everyone in Australia can get access to the emergency funds they need, when they need them.

Customer Service

Our fast loans are about meeting your needs. We do our best to make the application experience as easy as possible and get you your money quickly. Once you have your loan, you can get online at any time and check in on the status of your loan and repayments. We're also here to help you as you decide how much to borrow. If you ever have a problem, we want you to reach out to us right away so we can work with you to resolve it.

Emergency Cash Loans In One Hour Australia-Wide

Emergency loans are for when you have an unplanned expense, and the smart move is to only borrow what you really need to get through the emergency. It pays to do a little calculation before you borrow money.

Calculate All Your Income

In the first panic of an emergency, it's easy to forget about income you might have from a revenue stream other than your regular job. Sit down and calculate every dollar you have coming in and when you can expect it. Then, subtract every unavoidable expense, like rent, car payments, food, or utility bills.

Once you've done this, you'll have a clear picture of what money you have to work with. Then you can consider whether it's possible to cut back in any areas to partially cover the emergency expense.

Calculate the Entire Emergency

Some emergencies are straightforward. If your child tips your red wine glass onto the white couch, there's just one expense: cleaning the couch. But if your pet eats something he shouldn't and needs surgery, there could be a lot of unexpected expenses along the way. Not only will you have to pay the vet and medication bills, but you might also have to take some time off work to care for your furry friend, spend more in petrol taking him to and from vet visits, or even buy special food for him.

As you calculate what you need in a same day loan, don't forget to consider the hidden expenses so you're completely covered.

Get Emergency Cash Loans Today

When life hits you hard, contact Nimble to get the help you need to fight back. We are one of the best emergency lenders in Australia, and we're ready to get you the money you need today.

Compare Nimble Loans

Loan Feature

Small Loan

Personal Loan

Establishment Fee

20% of loan amount

For loans $2,050 to $5,000: $400

For loans $5,050 to $10,000: $0

Loan Amount

$300 - $2,000

$2,050 to $10,000


20% of loan amount + 4% of loan amount each month

For loans $2,050 to $5,000:

Establishment fee of $400 + 47.6158% p.a. Comparison rate: 65.6597% p.a.**

For loans $5,050 to $10,000: Comparison rate: 47.6158% p.a.

Loan Terms

62 days to 9 months depending on the loan amount

62 days to 23 months


Both Small and Personal Loans are offered with fast approval and funds transfer*.

Please see our full Fee Statement for fee details. If you reschedule your repayments after you confirm your loan, additional fees and charges may apply.

It’s a good idea to consider how much money you think you’ll need before applying for your loan. This way you can make sure you get what you need and you don’t borrow in excess. There are some other things to consider when applying for your loan, so you know:

  1. Your main source of income must not be Centrelink.

  2. You must be over 18 years and employed.

  3. You must have an active bank account with internet banking.

*Customers generally have funds transferred within 60 minutes of signing their loan contract between 9:00 am and 4:30 pm AEST on business days. Clearance times are subject to your bank.

The information on this website is general in nature and does not take into account your objectives, financial situation or needs. Terms, conditions, fees and charges apply, and are subject to change. Applications are subject to Nimble’s credit approval criteria.

*Redraw not available. Funds will generally be transferred within 60 minutes of the loan contract being signed between 9:00 am and 4:30 pm AEST on business days. Clearance times are subject to your bank. Depending on your bank, you may be paid within minutes of confirming your loan 7 days a week, including public holidays.

**The comparison rate for loans between $2,050 and $5,000 is based on an unsecured loan for an amount of $2,500 over 2 years and a $400 establishment fee, and the comparison rate for loans between $5,050 and $10,000 is based on an unsecured loan for an amount of $10,000 over 3 years and a $0 establishment fee.

WARNING: This comparison rate is true 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.

#Nimble AnyTime is a Continuing Credit Contract. As long as you pay on time each month, you'll have access to your available balance continuously, without the need to reapply. Usage of the Nimble Anytime Virtual Mastercard is subject to the Nimble AnyTime terms and conditions. Clearance times on cash advances are subject to your bank and the time of your request.

Apple, Apple Pay, iPhone, Apple Watch and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries. Mastercard and the Mastercard brand mark are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

Nimble members who have previously borrowed and repaid one or more loans in full may be eligible to apply for up to $10,000 in their Member Area.

Warning about borrowing