Emergency Loans

Take control of unexpected expenses!

PersonalCompetitive rates

Time$1,000 - $30,000 unsecured

DayMoney in your account within a day

OnlineSimple, 100% online process

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  • Feefo 2022 Award

A loan that suits you. How much do you need?


$1,000 $30,000

Repayments as low as




total payable

Fast online loans, and when you need it the most


Apply online, anytime

It doesn’t matter what device you’re using – our online loan portal is quick and easy to use. You can complete your entire application online and avoid time-consuming paperwork.

Fixed Interest Rate

Get Same-Day Emergency Funds

Emergencies are often time-sensitive, so we don’t muck around. Once you’ve completed your application, if eligible, you’ll get your rate and offer instantly. If approved you could have the funds in your account as soon as a few hours.

Why choose Nectar when you need an emergency loan?

Get your personalised loan quote
as soon as 2:12 pm1

  • Simple, 7 minute application

    Apply online, get your personalised loan quote.

  • Choose a loan option

    Select the amount and payment option that suits you.

  • Receive funds as soon as today

    If approved, we aim to have the funds in your account the same day as your contract being signed online.

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Up front rates with no hidden fees


Loan sizes

$1,000 - $30,000

Establishment Fee

Establishment fee

$1.75 admin fee per repayment

Interest Rate

Interest rates (p.a)

8.95% - 29.95%

Loan Terms

Loan terms

6 months - 4 years

Loan features:

  • Loans are unsecured
  • No early repayment penalties
  • Your personalised interest rate is fixed for the life of the loan
  • Repayments can be made weekly, fortnightly or monthly depending on your pay cycle.

What our customers say about us

Our customers find Nectar simpler and faster than other lenders

Get your personalised loan quote in minutes with no obligation to accept1

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Terms and conditions
1 A Nectar Loan is subject to responsible lending checks, credit criteria and terms and conditions. Nectar’s personalised interest rates are from 8.95% p.a – 29.95% p.a fixed based on your unique circumstances. A $240 establishment fee and $1.75 admin fee per repayment applies. There are no early repayment penalties.