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Emergency Cash Loans

Fast 3 to 36 Month Online Loans


No Credit Check Emergency Cash Loans Option With IAFC!

While there are No credit check emergency cash loans, that is perfect in such cases that life decides to treat you to financial surprises. You can trust IAFC as a lender provider service that connects you to the most suitable and capable credit providers that offer you the exact loan products ideal for your situation. You can even borrow up to 10,000 dollars.  

Disclaimer: IAFC cannot offer the guarantee that the provided lender will carry out a credit assessment or not. To lenders, assessing your credit file is a feature of their evaluation policy or not because some lenders may consider differing. IAFC has no control over the mode of assessing borrowers loan applications by lenders.   

Our service is aimed at finding lenders who are popular for fast working and can ensure that you would get access to quick funds, exactly when you need them. Although, we cannot guarantee that the lenders will conduct an assessment on your credit because they look out for more than what is your credit score to make their own decisions.  

No Work, Need Cash – Do you need access to no credit assessment emergency cash loans?

We have all experienced being overwhelmed with expenses without having any funds available to sort them out. It could be worse. This kind of situation can even occur when you don’t have a job. For this reason, many people will begin to look for emergency cash loans to get them quick cash. Some people may even be on the search for short-term loans and emergency cash loans that they can borrow money from to help them get a solution to their financial circumstances.

Whilst it may be quite impossible to access money using some traditional mediums like banks and credit unions. Some might even opt to talk to family and friends. But now, you can trust IAFC to make sure you access lenders who provide emergency cash loans that are almost effortless, even to unemployed borrowers.  

Need a loan today? Apply online!

Apply for Emergency Loan – Where do I sign up for a no credit check loan?

You have the option to apply for emergency payday loans online. For most payday lenders, you will be given the option to send an application via their website where an application form will be provided to you. However, despite the fact that payday loans do sound very convenient, they may not always be the most ideal option for everyone.

Payday loans are generally associated with very high-interest rates and the charges and fees that they come with tend to be very hefty as well. This is why you should consider applying through lender locators like IAFC. IAFC can help locate lenders that are willing to offer you personal loans up to a maximum of $10000.

The best thing about emergency personal loans is that they tend to have a much longer repayment term compared to payday loans. Even when you have bad credit, you will still find lenders that will offer you a personal loan. When you use a lender locator like IAFC, we could get you in touch with lenders who are more than happy to give your application chance despite your circumstances.

Lastly, we are unable to guarantee whether or not a lender will carry out a credit check on the application. However, we do work with a network of lenders that are known for looking a little deeper than just your credit score. This means that despite your current dismal credit standing, they will take a closer look at your other financial circumstances to decide whether to offer you a loan or not. All of the lenders that IAFC works with adhere to this principle. 

No Credit, Need Money – Can I get no credit check emergency cash loans?

If your credit is poor, it will be harder for banks, online lenders and other traditional lending providers to approve your loan application. For situations like these, no credit check loans may be attractive. Most of the time, however, loans without credit checks tend to be offered by payday lenders.

Rest assured, however, that IAFC will ensure that you are matched with a lender that will offer personal loans.

IAFC is a lender locator service that can get you in touch with lenders who are known for offering personal loans that follow responsible lending practices. Whilst lenders you may get paired with are likely to conduct a credit assessment, they’re usually willing to look beyond your financial missteps in the past. This means that despite a bad credit rating, you may still get approved for a loan.

Online Cash Loans

Emergency Cash – No credit check emergency cash loans for bad credit

IAFC is unable to guarantee whether the lender you get paired with will carry out a credit assessment or not. However, in the event that they do decide to carry out a credit assessment, you may still get a chance to get approved.

Loans that are secured tend to present lesser risk which means that lenders will be more inclined to approve the loan application. When you sign up for secured loans, you also get a good chance to be approved for a much bigger loan amount. IAFC is able to locate lenders that can offer both secure and unsecured personal loans which can be up to $10000. We work with creditors that are more than happy to look beyond your credit history.

In addition, after you have been approved for a loan contract, you can expect the cash in your account within the next 24 hours. However, it is important to remember that this will be highly dependent on the transfer time between the bank and your lender as they tend to vary.

Emergency Loans – Emergency one-hour cash loans

At IAFC, whilst we are unable to guarantee that cash loans will be received in just an hour, we can guarantee that we will make it easier and hassle-free for you to locate lenders that offer online quick loans.

All you really need to do is send in a single IAFC application. Our lender locator service will then get to work to get you paired with available lenders that can offer the kind of loan you need within an hour. Once you get successfully paired with a lender, they will contact you directly do the assessment process can commence.

So, whilst you may not get your hands on your cash within just an hour, we can at least ensure that the stress and hassle are taken away in your attempt to find the right lender and loan for your needs. We will do the hard work and all you need to do is just send in your application.

No Work & Has an Emergency – Unemployed bad credit emergency loans

At IAFC, we work with lenders that are more than willing to offer emergency loans for borrowers who are unemployed. Still, it is important to understand that approval isn’t guaranteed and lenders will usually need you to meet specific requirements before you will be offered a loan contract. 

More importantly, if you are not employed presently but want to get access to a loan, you will need to also prove that you’re currently earning a regular income. When unemployed, this doesn’t need to be in the form of a wage. It could also come in the form of Centrelink benefits, rent payments or other forms of alternative income.

Without any form of income, however, lenders may not be able to approve the application. After all, without any form of income, you will not have the means to pay back whatever you owe.

Lastly, just earning a regular income alone isn’t also going to be enough assurance that the emergency loan application when you are unemployed will be approved. In evaluating your loan application, lenders will look into your current financial standing as well as your credit history to assess whether or not you are suitable to be approved for credit.

Emergency Loan – How to get bad credit emergency loans

Personal loans for bad credit may be approved and then processed quickly via the online platform. These fast cash alternatives are good for borrowers that are facing some emergency financial issues but have credit scores that may prevent them from accessing loans via traditional means. IAFC, meanwhile, may be able to get you matched with lenders that can offer a wide range of emergency loans of bad credit borrowers which can be up to $10000.

24/7 emergency cash loans

Cash emergencies are known for hitting you when you least expect it and worse when you don’t have extra funds in the bank to cover it. Whether it’s the weekend, a bank holiday or late at night, it can be quite frustrating when you need access to cash right away but couldn’t.

At IAFC, we understand your dilemma very well. This is why we made sure that our services are available 24/7 and we can help with a 24/7 online payday loan via our website where you can send in your application any time.

Do note that whilst you can send in your application any time of the day or any day of the week, applications sent on weekends, holidays or beyond our regular business hours may experience delays in getting paired with a lender. This is because most lenders only carry out loan assessment during regular nine to five hours. This means that instead of the usual 60 minutes waiting time, you may have to wait until the next working day to get the results of the application.

Same day loans for Emergency Needs

Have you got something that needs to be paid ASAP? An option you should consider is same-day loans. However, we at IAFC cannot guarantee that this will be offered by our lender partners. After all, how soon you can get the funds you need from the lender you’re paired with will be dependent on a variety of factors. 

With this in mind, if you need access to your loan funds on the same day of the application, there are things you can do which might help speed up the processing and approval of the loan. For instance, see to it that you send in your application during regular business hours and see to it that you supply all your details during the application.

Doing this ensures that IAFC can get you paired with a potential lender within just an hour. The evaluation will generally be speedy as well since there will be no need for them to contact you and ask for whatever lacking details they require.

Once your application gets approved, the funds will then be transferred to you. However, how soon you can get access to these funds will be dependent on the transfer times of the banks involved.

Provided that everything runs as smoothly as they should, it is possible to enjoy a same-day cash loan. However, it is still highly dependent on a variety of factors. This is why it is always best to stretch your waiting time to a more realistic period of 24 hours.

Emergency loans with short terms

Short-term loans allow you to get access to funds you need fast and you can have it paid off without the long-term commitment too. They are an option you should consider if you ever find yourself in need of access to emergency funds to cover some minor expenses right away.

Most of the time, short term loans are available for smaller amounts as well. This allows you to borrow unsecured for amounts between $300 and $2000. Repayments for these types of loans tend to be around 12 months.

Emergency Payday Loans

Is IAFC the right choice for me?

Below is a list of the most common terms that people tend to search for when they are looking for emergency cash loans. If you have tried to go online searching for the following terms, you can trust that IAFC may be able to assist you.

Among these terms are:

  • Fast emergency loan
  • Small emergency loan
  • Unemployed emergency cash loan
  • Bad credit payday loan
  • No credit check emergency cash loan for Centrelink
  • Unemployed quick emergency loan
  • 24/7 emergency cash loan

How can IAFC help?

IAFC is a lender locator service that can potentially get you connected to lenders that can offer you the ideal loan for your needs. If what you’re looking for are emergency cash loans that don’t include credit assessments, we take pride in offering an effective, quick and stress-free application. All you have to do is fill out the online application form on our site and we will get working!

Save time

Nobody wants to bother having to spend a long time filling out application forms online. The same goes for having to conduct long hours of research just to check if the background of the lender shows that they can be trusted or not or if they are likely to approve your loan application.

Our automated system will instead take over after you have filled out the application form. There’s no need for you to fill out a number of application forms just to reach out to a number of potential lenders. One application form is all you need to fill out and we will do the heavy lifting afterward on your behalf.

The whole process is carried out online the whole time so there is no limitation as to when or where you will choose to send in your application.  This is why we are able to get you matched with potential lenders that can offer viable alternatives to no credit assessment emergency cash loans all year round.

Get results fast

When there’s a cash emergency, the last thing you want is to have to wait for a long time, even weeks for the result. IAFC aims to get you partnered with a potential lender in just 60- minutes, provided that this is still within our operating hours.

If the answer to your application is yes, then the lender will carry out the necessary evaluation to determine whether they can offer you a loan contract or not. A digital copy of the contract will then be sent to you once you are approved so you can review its content and then approve it if you’re happy with its content. After you decide to green-light the contract, then the lender will start processing the funds transfer.

So, if what you’re looking for are no credit check cash loan, then we at IAFC may be able to locate the right lender for you— one that can offer top-quality loans for bad credit borrowers.

Free service

IAFC’s lender locator service is free to use all the time. It doesn’t matter if you got paired with a lender or not, the service is always going to be free.

Yep, that’s true! Using the IAFC lender locator service is always going to be free.

Quick scanning of hundreds of loan products

Skip filing out a number of online applications just to reach out to a number of potential lenders. At IAFC, you only need to send in an application once and we will take care of scanning through the variety of loan products our partner lenders offer to find you the best one for your need. If you’re in need of no credit check emergency cash loans, we may be able to locate a lender that offers this specific setup.

Note that lenders are always known for carrying out their own evaluations of the application. This means that even when you do get matched with a potential lender, approval isn’t assured. At the end of the day, whether to reject or approve the application is at the sole discretion of the lender.

Data safe-keeping

At IAFC, we know how important your personal and financial data is. This is why we have enlisted Comodo and MacAfee to make sure that your data will be kept safe the whole time.

How does it work?

Our application process at IAFC is as simple and easy as can be. Below are three easy steps you need to follow if you decide to borrow money and send your application to us.

Step 1: Apply!

It shouldn’t take you more than a few minutes to go through the application process. Start by scrolling up the top to locate the loan calculator. This will allow you to select the amount you need to borrow along with your preferred repayment term. If you’re happy with the figures generated by the tool, you can proceed with the application.

The loan calculator should give you an idea of what the likely repayments are going to be if you choose to pay monthly, fortnightly or weekly. However, bear in mind that the numbers on the calculator are just rough estimates and should only serve as a guide on what your likely payments are going to be. At the end of the day, the final say on what the actual loan costs are will be your lender. 

You’ll need to fill out the application form next. There’s no need for you to be on the phone or hold the line and listen to horrible hold music whilst you do. The whole thing should only be completed within a few minutes.

Step 2: Automated search

At IAFC, we have an automated system that will take care of the whole process of finding you an available lender with the types of loans that will fit your needs. We will sift through a myriad of loan products to get you matched with the best lender possible for your present financial need. Once we have the outcome, we will contact you via email or text. Also, if you send in your application during our business hours, you can potentially get paired with a lender in just minutes.

In need of a lender that can offer emergency cash loans without the credit check? IAFC may be able to assist you.

Step 3: Match

Once we locate a suitable lender for you, we will forward your details to them. They will then get in touch with you if they think they are able to offer you a loan. At this point, you will be dealing with the lenders directly moving forward.

The lender will then carry out an evaluation to determine whether to approve or reject your application. Bear in mind that some lenders will carry out an extensive credit assessment on the application. Once you approved and they can offer you a loan product, expect that they will send over a loan contract.

Remember to take your time checking out your loan contract and making you understand its provisions. You need to make sure that the terms are fair and reasonable. Check if the lender is charging additional charges and fee. Only when you’re happy with everything your contract contains should you give your approval.

In the event that there are provisions in the contract that you’re not too happy about, remember that you aren’t obliged to approve and accept it. Also, if you choose to decline the contract offer, there will be no associated charges involved.

Who can apply for no credit check emergency cash loans?

Almost everybody can qualify for an emergency cash loan without a credit check via IAFC. You just have to make sure that the loan criteria are met before sending in your application to us.

  • 18 years or older
  • Permanent resident or citizen of Australia
  • Has a personal bank account where you have been receiving regular income for at least the last 90 days

Additionally, you’ll also be asked to provide the following details:

  • Working email address
  • Working mobile number
  • Internet banking information

If you can provide us with all of the above information, then you can fill out the application form to get started.

Are my bank account details necessary for no credit emergency cash loans?

There are instances when your potential lenders may need to see a copy of your bank details when determining how much your income is compared to your expenses. This is commonly practiced by lenders before offering cash advances as this is a great way for them to determine whether or not you have the means to afford the subsequent repayments.

This is why if you’re looking for no credit check emergency cash loans, you can apply at IAFC and it will only take a few minutes. Our lender partners use the latest technology in safe banking to ensure that your details are protected the whole time.

Am I still eligible for no credit check emergency cash loans even if I have bad credit?

If your credit is bad, this doesn’t mean that you’re totally hopeless when it comes to securing a loan. A number of our lender partners are willing to offer loans even to those borrowers with dismal credit scores.

In addition, whilst the lender paired with you may still choose to conduct a credit check despite your lackluster credit rating, this doesn’t mean that all your chances at securing a loan are lost. This is because our lender partners are known for looking beyond your credit score when making their decision. This means that any financial missteps you may have committee din the past shouldn’t prevent you from getting access to a loan.

Can I still apply even when I’m on Centrelink?


We partner with lenders that offer cash loans for emergencies even for those borrowers with bad credit scores, travel loans and even loans for Centrelink beneficiaries. This means that we can get you connected with lenders that are known for not judging you based on the merits of your credit score alone. Instead, they will look beyond your financial mistakes back in the day and will judge your financial capacity based on the bigger picture instead.

In this case, the lenders you will be paired with are those who are known to regard Centrelink benefits as a regular income. All you need to do is show proof that you have been receiving the benefits for at least the last 90 days.

Expect that you may be asked to provide your MyGov details upon application.

Pensioner emergency loans

Are you on pension and think that you aren’t eligible to take out a loan?

At IAFC, we have a number of lenders within or network that are known for offering loans to pensioners. Whether you’re getting disability support or aged pension or other types of benefit payment, lenders will look at your application as they would any other. Provided that you have met the requirements they have set then there’s no reason for you not to be offered a loan.

Still, it’s important to understand that lenders tend to have differing views on government benefits and pensions. Whilst there are those that will regard them as they would any regular form of income, there are others that may not share the same view. This means that the availability and approval of any emergency cash loan for Centrelink recipients will be at the sole discretion of the lender you’re dealing with.

Emergency cash loans for single mothers who are unemployed

At IAFC, we deal with a variety of lenders that are known for being more accepting of the different financial circumstances of their borrowers. This means that they aren’t prone to discriminate against your circumstances. All they do is assess whether you are eligible for credit and you have the means to repay what you borrow and they are going to offer you a contract.

For single mothers, this is welcome news. This means that there may be credit options for you.

However, it’s also important that whilst there are lenders are known for being understanding of your situation, this still doesn’t guarantee approval. At the end of the day, you need to meet the specific requirements the lenders have set in order to get offered a loan.

What if my credit is bad?

Thanks to IAFC’s lender locator service, it is now easy to get you in touch with lenders that offer bad credit emergency loans. Even with only one single application, we can get you partnered with lenders that are more than happy to look beyond your disappointing credit history and will consider your present financial standing instead.

This is because the lenders we work with are known for using the latest banking technology to get access to read-only copies of your financial statements. This gives them a better and bigger picture of where things stand right now with you financially. If they can see that your recent history shows a more responsible approach to borrowing where you have diligently paid your dues on time and they can see that you are getting some form of regular income as well, then they will still consider approving your application despite the dismal credit rating.

This is why, even despite a less than perfect credit history, you can still get potentially offered a loan contract by lenders who are willing to lend you as much as $10000.

Instant Cash Loans Today

Fees and Charges – How much will I be allowed to borrow?

Emergency loan amounts can vary depending on your circumstances. At IAFC, you can choose to sign up for an emergency cash loan between $300 and $10000. These loans will carry a repayment term between 12 and 24 months. The repayment terms do tend to vary depending on the specific lender you will be partnered with.

Interest rates for these loans tend to vary depending on the lender you get partnered with. Being a lender-locator and not an actual lender ourselves, IAFC is unable to guarantee how much the loan costs are going to be.

If you end up missing a repayment, lenders will likely subject you to certain charges. It is best to find out what these fees and charges are but calling your lender or sending them an email to know exactly what you’re signing up for.

What are instant loans?

When people refer to instant loans, they are generally just loans that got processed in a manner that is very fast to the borrower it might feel as if it was done instantly. At IAFC, we are just lender locators so there is no way for us to guarantee the length of time it would take to process, approve and then send you your loan. What we can promise, however, is that the lenders we have partnered with are known for delivering the loan funds to their borrowers as fast as possible. With IAFC, it is possible to sign up for loans of up to $10000.

How much does it cost to take out a no credit check emergency cash loan?

The loan repayments will be highly dependent on the principal amount and the length of time you have chosen to get it paid back. You can always get an estimate of the repayments by using the loan calculator on the website. This will give you estimates of how much the monthly, fortnightly and weekly repayments are going to look like— depending on the principal amount and repayment terms you prefer.

As mentioned, however, the actual loan costs tend to vary depending on the lender you get partnered with. The loan calculator should only be used as a rough guide and the results it generates shouldn’t be taken as the actual numbers you’ll get once you receive a loan offer.

Below are samples of the amount you can likely pay based on how much you will borrow when you take out a loan.

Small loan

  • Between $300 and $2000
  • 12 months repayment term

Medium loan

  • Between $2001 and $4600
  • 13-24 months repayment term

Large loan

  • Between $5000 and $10000
  • 13-24 months repayment term

Repayment terms of the actual loan offered to you may vary depending on the lender offering it.

Rates and Fees – What are the comparison rates for no credit check emergency cash loans?

Comparison rates reduce the interest rate along with most charges and fees on the loan down to a single-digit percentage. This makes it easier for you to make a comparison of loans from different lenders so you know exactly how much the costs involved are going to be.

For instance, if you got a 48% per annum comparison rate, this is going to be the amount you need to cover on top of whatever the principal amount you are borrowing is. So for a $1000 loan, expect to pay a total of $1480 over a repayment term of 12 months.

Is it possible to change my repayments if they’ve already commenced?

We work with lenders who are very much aware of the surprises that life can sneak in every now and then. In the event that there are ever changes to your financial circumstances or if there is a chance that you may not be able to get your repayment done on time, the best thing to do is get in touch with your lender. Also, it’s important to let them know no less than 24 hours from the time your next repayment is due.

If you ever find your circumstances changing dramatically as in the case of losing a job or something drastic, you may have the choice to file for financial hardship. To do this, you’ll have to get in touch with your lender.

Additionally, they will also ask you to show proof of your hardship which could be in the form of a termination letter or a medical certificate. Once the claim has been accepted by the lender, they will then allow you to enter a payment plan for the loan.

Emergency rental loans

Other potential loan products you may be able to take advantage of at IAFC are rental bonds or rent payment emergency loans as some of the lenders within our network are known to offer them. All you have to do is send in an application through the IAFC website today when you’re in need of such loan. Once submitted, we will do our best to get your application paired with lenders that will be able to assess the claim.

If you’re having a hard time getting your rent covered regularly, you may want to look into possible government assistance through Centrelink. You can visit the website on Services Australia to find out more about specific assistance you may be eligible for.

Responsible lenders

When you use our lender locator service at IAFC, you can expect that you will always be partnered by lenders that religiously follow proper lending practices. They take their obligations seriously and are always making the necessary steps to ensure that you are offered only with the right loan products every time. This is why you can never find any of our lender partners offering you loans they know you will not have the capacity to pay back. 

Responsible lending practices have to do with lenders taking the time to assess your capacity as a borrower to repay any loan product you are interested in availing. This has to do with determining how suitable the product is for you. In addition, lenders are also expected to properly assess your current financial objectives and situation before making a decision.

These regulatory guides were established by ASIC or the Australian Securities and Investments Commission. You can visit their website to view the complete regulatory guide.

Are no credit check emergency cash loans right for me?

To ascertain if the cash loan is indeed ideal for you, your financial situation. There is a corresponding cost to borrowing as in the case of interest rates. This is why before you even decide to apply for any loan, you have to determine first f you have the capacity to repay it.

To help guide you in making the right calls, consider the following steps:

  • Ascertain your income
  • Determine your regular daily expenses
  • Check if you have any outstanding debts
  • Determine how much repayment you can afford in relation to your budget
  • Find out how much you have saved so far
  • Check if there is a way for you to minimise costs somewhere to help reduce whatever amount you plan on borrowing

Evaluating no credit check emergency cash loans: What factors do lenders consider?

When assessing applications, lenders will generally check two factors. First, they need to ensure that the loan you’re applying for is suitable for your specific objectives and needs. Then they also need to confirm that you indeed have the capacity to pay back what you intend to borrow.

It is common for lender assessments to focus on the following.

  •         Your creditworthiness: This is a measure of how reliable you are as a borrower. This is often based on an assessment of your credit history.
  •         Your credit history: How well you have managed your debts in the past is also another factor that lenders will need to look into when deciding whether to offer you a loan or not. After all, how you have behaved in the past can be a huge indicator of how you will behave in the present.
  •         Current income sources: Lenders will need to know how much you are earning and if it is a steady income source. They will also likely need you to meet certain minimum income requirements for the type of loan that you’re interested in to be eligible.
  •         Current expenses: From your current income and your daily expenses, it will be possible for buyers to determine whether you can fit in repayments within your budget.

Enough Money on the Bank – How often do repayments need to be made?

At IAFC, we partnered with lenders that will allow you to repay your loan monthly, fortnightly or weekly. This means that it will be up to you to decide which repayment setup will be most convenient for you, based on your current financial circumstances.

You might want to get your repayments to coincide with your income to make it more convenient on your part. If you receive fortnightly income, then go for fortnightly repayments. Always remember that at the end of the day, it is your decision. Just see to it that the option you end up selecting is the most convenient one for you.

After you have selected the frequency in which you’re going to make the repayments, you can get your bank account set up for a direct debit which makes it automatic for you to get your repayments done every month. You won’t have to worry about forgetting to make the payments. Just see to it that there will be enough money in your account to cover for the repayments on the due date and you’re good to go.

Get in touch with IAFC

If you ever have questions about IAFC and out lender locator service, just get in touch with us. We are more than happy to answer any of your questions because we want to make sure that the application process is convenient and hassle-free for you. Just send us an email at hello@iafc.com.au and we’ll try to get back to you as soon as we can.

However, note that we are only able to answer questions concerning IAFC and the services we offer. For questions pertaining to your personal loan, it is best that you communicate directly with your lender. This is because once we have you paired with a lender, that’s where our work ends. We won’t be pricy to the details concerning your loan and your agreement with the lender so it is best that you direct your questions to them.

Can I send in my application anywhere I am?

Sure, you can!

You can apply for cash loans no matter where you are in the country. Provided that you have access to the internet, you can just send in your application.

It doesn’t matter where you are in the country, we will always see to it that we can get you paired with the right lender as fast as we can.

Ready to send in your application?

If you’re ready to apply for a no credit check emergency cash loan, just fill out the form on the website. Whether you need a bond loan, secured personal loan, car registration loan, car repair loan or holiday loan, you can always apply with IAFC.

If you have more questions, you can always check out the FAQs page. You can also keep in touch with the latest about IAFC by following our social media platforms.