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Get Last Minute Loans from $300 to $10,000 at Loanscout

Unexpected expenses can happen anytime and anywhere, last minute loans could be the best option for you. With Loanscout’s lender-finder service, you can get easy access to emergency cash loans ranging between $300 to $10,000. In just under 60 minutes, we can find you the most suitable lender that will lend you an amount you’ll be comfortable repaying. Read on and Apply today!

*Only general information is presented in this article, kindly note that certain ideas and products mentioned here may not be directly offered by Loanscout nor the lenders we work with. Please seek professional financial, taxation, legal or other forms of advice to have a clearer understanding of how the information or ideas which are presented here could relate to your unique financial circumstances.

Loans at the Last Minute – What are Last Minute Loans?

Last Minute Loans are personal loans which you can receive within 24 hours. It is also commonly referred to as emergency loans, quick cash loans, or short term loans. During tricky financial situations when you may need immediate funding such as your car breaking down or a sudden medical bill, last-minute loans could be your best option.

If we find your application to be good, it may be approved easily within the same day. We provide quick decisions and we work hard to make sure that money going to your bank will be done as fast as possible.

Potentially, you may be allowed to loan amounts ranging between $300 to $10,000 or even beyond depending on your own unique financial situation and the lender that you decide to choose. Rest assured that we work with trusted lenders who may be comfortable to meet your needs and offer you loans that you will be most comfortable with.

Here at Loanscout, our lender-finder service is the best option to be matched with a lender that would most suit your unique circumstances and find that last minute loan.

Last Minute Loans

Circumstances that could warrant Last Minute Loans

There are many reasons  why you’d need to apply for a last minute loan, aside from vehicle related costs or health related expenses. Here are some of the circumstances that may require a last-minute loan:

  •       An emergency fund for travel expenses
  •       Home Renovations
  •       Education Fees
  •       Funeral expenses
  •       Pet-related bills
  •       Theft replacements
  •       Parenting help funds
  •       Other unexpected bills (utility, etc.)

We’d not wish that you experience any of these emergencies , but what we can do is our best to ensure that Loanscout can lend you a helping hand when any of these unexpected expenses can and will crop up

Last Minute Loan

We can offer you a quick loan to help with any emergency expenses at the last minute. We know that sometimes life can ththrow us a curveball, and you need funds right away. That’s why our company provides last minute loans for those financial emergencies when you need cash ASAP.

Last Minute Loan for your business

In a time of economic uncertainty, don’t let your business fall behind. You deserve the best for what you’ve worked so hard on. With a last minute loan application, we can help get that financial relief and bring your company back up and running again quickly – just in case anything happens unexpectedly.

Check Credit – Pros and Cons of Last Minute Loans

Before applying for a last minute loan, it is important that you keep in mind the pros and cons, as every loan product and credit facility have their advantages and disadvantages, so to ensure we keep our customers informed we’ve laid some of the main points out for you below.


  •       Quick and easy online loan application
  •       Decision within minutes
  •       You can apply anytime and anywhere; you just need a phone, laptop, tablet or desktop
  •       You can apply for a personal loan even with your bad credit history;
  •       After approval, your last minute loan can be transferred into your nominated bank account within the hour.


  •      As with all forms of loans and credits, you will need to pay interest and bad credit loans interest rates can be much higher
  •      Lenders tend to apply additional fees and charges that you need to be aware of before you sign anything 
  •      If you fail to repay your quick cash loan on time this could be detrimental to your credit score

Consider all alternatives, friend, family etc and make applying for an instant cash loan application your last resort. You may consider selling any of your unnecessary possessions, sell your services, recycle and up cycle goods you already have at your home, and try to lower your credit limit or get low-interest credit cards as an alternative. Considering the above mentioned pros and cons and possible options will benefit you a lot when you finally decide to apply for a last minute loan.

Need Emergency Cash – Consider all options and compare loan offers available on the market

There can be multiple forms of emergency cash loans. It can be credit card cash advances, payday loans, personal loans, little loans or low interest loans. For those seeking loans in small amounts, be sure to check out all the options which are available on the market and compare each.

A personal loan can potentially loan you up to $10,000 by applying with Loanscout. This type of emergency loan may cover all types of personal expenses , your lender will divide your repayment terms over a fixed and manageable period of time usually anything from 3 – 36 months.

Payday loans in Australia usually offer borrowers loan amounts up to $2,000. Also, instant payday cash loans may come with much higher rates, fees, and other unsecured loan products. Credit card cash advances, on the other hand, can also be an option if you have quite a good credit score and may depend on your financial situation.

How Scams Can Costs You – How to avoid loan scams?

  •       Look out for the telltale signs that could mean you’re getting scammed by a loan site:
  •       A company claiming to be Australian-based but uses an international phone number;
  •       Loan sites pressuring you to apply for a loan at times you miss a particular deal or offer;
  •       Those claiming that they would offer you ‘guaranteed’ approval loans.
  •       If they ask you immediately for bank details;
  •       Offers that can seem too good to be true such as extremely low-interest rates.

Loanscout is the safest way for you to apply for a last minute loan since we make sure that we only work with responsible lenders who are licensed and regulated.

Loans for Last Minute Needs – Can people on Centrelink still apply?

The shortest answer would be yes, you can still apply for a last minute loan with Loanscout even when you’re on Centrelink. We believe that receiving Centrelink benefits should not prevent you from being granted a loan. However, we suggest that you consult with Centrelink first over their own loan offers or payment advance options as interest rates may be much lower than other short term loan products we offer.

Loans for Emergency Needs – Can people with bad credit history apply?

Yes, you can still apply for a last minute loan with Loanscout despite having a bad credit history. Loanscout understands that your bad credit history is in the past and circumstances out of your control may have affected it. We aim to find you a lender that will suit your unique financial situation. We try our best to make sure that our lenders will also look at and assess your current spending habits, expenses, and other financial commitments via affordability checks.

Quick Online Loans

Application for Loans – Loanscout Last Minute Loans

Here at Loanscout, we offer to find you lenders who may lend you small, medium, and large loans that may be secured or unsecured. The application process is 100% online and can be done in just a few minutes. Here is a sample guide of your possible loan terms:

Loan amount

Loan term

Is security required?

$300 to $2,000

12 months


$2,100 to $4,600

13 to 24 months


$5,000 to $10,000

13 to 24 months


Note: Loan terms may vary depending on the lender that gets matched with you.

Who can apply for a Last Minute Loan with Loanscout?

Similar eligibility criteria is applied to our own lenders and before applying for a last minute loan, here are some criteria that you should meet as well:

  •       Be 18 years of age or over;
  •       Be an Australian citizen or a permanent resident;
  •       Have been receiving a regular income into their bank account for at least 90 days prior to your application;
  •       Have a direct phone number and email address.

Loans Online – If I meet these criteria, then how can I apply?

100% online and paperwork free! Yes, Loanscout is committed to providing you with a convenient way of applying for a small cash loan. Simply follow these steps to apply:

Step 1: Complete your Application Online

Click on ‘Apply Now’ and completely fill out all the essential details that we need from you to be able to find you a lender that we can match with your needs. You should receive a decision once you’ve submitted all the details and few documentation we need from you with a few minutes.

Step 2: Confirmed Lender-Borrower Match

Getting decisions from us can be really quick and once you’ve been accepted. A lender may contact you shortly via email or mobile phone. An evaluation of your present financial situation and your overall details may be conducted by the lender we matched you with. If they approve your loan application, they may offer you a fast cash loan and send you a loan agreement contract. Read the contract thoroughly and if you’re happy, review it again and kindly sign it.

Step 3: If you accept and sign, then go and get your cash

After signing your loan contract agreement, getting your money transferred from the lender couldn’t be simpler as they can send the money over within the hour to you nominated bank account.. Based on your bank account and the time the money was transferred to you may affect whether you can receive your cash within the day or within the hour.

Do I have to provide security for a last-minute loan?

The simplest answer would be, it depends. Depending on the loan amount that you applied for, you may have to secure your last minute loan or not. Loan amounts beyond $2,100 may require you a security to be qualified for one, so, anything less than that may not warrant you to find any security.

How fast will my last minute loan application take?

This will vary depending on the hour of the application you submit and if we can find you a lender immediately. Normally, if we are successful, we can match you a lender within an hour during business hours.

Begin Creating your Repayment Plan

Try and avoid pushing yourself further into debt, it would be best for you to consider exactly how you plan to pay for your existing loans and credits before you apply for another loan.  Consider creating a repayment plan for yourself to finally free yourself from that bad credit cycle.

1) List your existing debts and other financial commitments

Listing your existing debts and present financial commitments can be good for you to be able to monitor closely how your finances are doing  and assess the level of priority on which existing debts should be paid off first. This includes personal loan debts from stacked up utility bills or high-interest quick loans. Begin paying off high priority loan debts first and let the rest follow.

2) Try and improve your current saving habits

Be an active saver by learning new ways on how to better save money from the internet or licensed financial advisors. The more money you’ll be able to save would mean that more existing debts can be paid off slowly. This can eventually help you build a better credit score.

3) Make sure to understand loan terms before you apply for one

We always recommend our customers read and review their loan contracts thoroughly before signing it to ensure they truly understand the repayment loan terms they will have to pay in the future.

Keep in mind that there are other lenders in the money-lending industry that can charge you extra fees or higher interest rates that could put you into a bad position in the future. You may use Loanscout website’s own loan calculator so you can at least have a rough guide to help make you an outline for your repayment loan terms.

4) If possible, seek financial counselling

If you find yourself still struggling with debt despite following some of the advice we provided you in this article, it is better that you seek outside help such as going to a financial counsellor. It is possible that there are financial counselling available to help you which are free and some sort of an independent service.

These free financial counselling services are usually available in all states in Australia. There’s also the MoneySmart website offered by the Australian Securities and Investments Commission (ASIC) where you’ll be able to access various resources that can help you better understand things related to financial problems and all things finances.

Shop around

A last minute loan can come in many guises , namely personal loans, fast payday loans and credit cards to name but a few. If its a bad credit loans you’re after you need to have a look around to see what suits you best

Personal Loans, you can, depending on what lender we match you with borrow up to $10,000. This would be paid back by monthly instalments typically over a lender period, ie 1 – 5 years

On the other hand, last minute loans generally refer to loans up to $2000 max and paid over a much shorter time period ie 1 – 12 months. This is why its best to do your research before applying, asking yourself what you need the money for. Luckily here at Loanscout we can help you do that.

Need Loans for Last Minute needs? Apply now for Last Minute Loans with Loanscout

Hopefully, you never encounter a situation where you’ll have the need to pay for unexpected expenses, but keep in mind that whenever you find yourself in these kinds of situation, Loanscout has got you covered. Let us help you find a potential lender to your unique financial needs. Click on ‘Apply Now’ and get started with your Last Minute Loan application with Loanscout.

Do you need cash for last minute? Reach out to LoanScout for more information on personal loans, short term loans, last minute loans, and other services we offer to Aussies. Make sure to consider checking your finance to know more about your financial situation. LoanScout operate a lender finder service to help Australian find quickly the right direct lender, with low rate, lowest fee, and terms. Provided that you are able to meet and qualify the specific eligibility criteria that we have. In comparison, we offer lower rates, fees, and better loan term. If you need our need our advice, or you need more information, just message us and we will answer you in an instant. Send us an online application so that we can process your application right away. Just click ‘Apply Now’ to begin paying unexpected bills and repair your credit rating. (Credit Representative Number - 535991) which is an Introducer Appointed Representative of Marketplace Finance Pty Ltd (Credit Representative Number: 487316).

Loanscout is not a lender and does not make credit decisions. Loanscout matches customer applications with lenders in our network based on the information provided, in exchange for a commission paid by the lender for advertising services provided. There is no guarantee that you will be accepted by a lender or that you will be offered terms suitable for your financial needs. Not all lenders will be able to provide amounts up to $5000. The time required to process and transfer the loan varies by the lender. This website does not directly endorse any particular product or service. Any information on this site should serve as opinion only. As a condition of extending credit, some lenders you may be matched with may run a credit check from a credit reference agency. Late or missed payments may be subject to increased fees and/or interest rates.

1. Subject to application being approved by the lender. Not all lenders are able to provide up to $5000

2. Subject to lenders requirements and approval. The time that it takes for the cash to be received in your account will depend on your bank’s policies and procedures.

Consumer Advisory: Loanscout is a loan matching service. This site will submit the information you provide to a direct lender. Upon loan approval, a direct lender may require further information from you which will be collected after we transfer you to their website or they may contact you via phone or email.

All applications will be subject to credit checks and affordability assessments in line with responsible lending. Loan terms, conditions and policies vary by lender and applicant qualifications. Late or missed loan payments may be subject to increased fees and interest rates. Not all lending partners offer up to $5,000 loans, and not all applicants will be approved for their requested loan amounts. Loan repayment periods vary by lender also. Lenders may use collection services for non-payment of loans.

Not all borrowers will qualify for a loan, the operator of this website does not engage in any direct consumer lending, we simply provide a FREE loan matching service to the public. To operate this service we receive a commission from the lender we refer you to.

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