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An Emergency Loan Could Be The Helping Hand You Need | Apply Now!

Unexpected emergencies are often expensive and can impact your finances significantly. There’s nothing more frustrating than realizing you have no savings to spare if something comes up and you need to cover unexpected costs. Understandably, trying to figure out where you’re going to get the spare cash can be stressful.

Instead of worrying about where you’re going to find the money you need, get in touch with Breezy Loans. Our emergency loans could be just the thing you need to cover those unexpected costs. Read on to learn more about our emergency loans and how they can help you.

What is an emergency loan?

An emergency loan is a type of personal loan that can be used when something unexpected pops up that you don’t have any spare cash for. An emergency loan is designed to be accessed quickly and easily, providing you with the funds to help you get through to your next payday. Emergency loans can be used for a whole bunch of different reasons. Some of the most common reasons that our clients have needed access to an emergency loan include:
● Emergency dental loans
● Medical expenses
● Replacing white goods
● Emergency home repairs
● Unexpected car repairs
● Vet bills
● Unexpected utility expenses
● Funeral costs
● Emergency travel costs
● Debt consolidation loans
● Moving costs
● Bond loans
● Emergency business costs

How much money can I borrow?

Our loan amount ranges from $5000 to $50,000. Let us know how much you would like to borrow when you are submitting our application.

What fees are associated with emergency loans?

Understanding the fees or costs that are applicable with emergency loans is important. It’s always a good idea to ensure you have thoroughly read your credit contract and are fully aware of any fees or charges that might be applied, so you aren’t caught off guard. Some fees and charges that might apply to your emergency loan are as follows:
● Late or missed repayment fee – if your scheduled repayment declines due to insufficient funds or some other reason you may be charged a missed repayment fee by your lender. You can avoid these fees by ensuring that your account has sufficient funds available to process your scheduled repayment.
● Early payout fee – some lenders may charge you a small fee for paying out your loan early. If you were planning on paying off your loan early be sure to check whether this fee might apply to you.
● Skipped repayment fee – some lenders will charge a small fee for skipping an upcoming repayment. Due to this, it is often better to request a reduced one-off repayment instead of a skipped repayment as a partial payment is still reducing the loan and not adding further fees to the total amount owing.
● Establishment fee – this is a one-off fee that you will be charged when you are approved for a loan.
● Monthly fees or interest charges – these are fees that are applied throughout the life of your loan. The fee that you are charged will depend on what type of loan you are approved for.

Who can apply?

Here at Breezy Loans, we believe in simple application criteria and easy applications. We don’t want to put people off applying so we’ve made our application criteria simple and inclusive. All we ask is that you meet the following criteria:
● Are you at least 18 years of age?
● Are you an Australian citizen or permanent resident?
● Have you been employed for at least 3 months?
● Do you have an active phone number and email address so we can contact you about your application?
If you answered yes to the above four criteria then you’re eligible to submit an application for an emergency loan with Breezy Loans. Scroll up and get your application started now for a fast outcome and quick emergency loans when you need them most.

Submit your application today

There’s nothing more stressful than having an emergency pop up that you don’t have the cash to cover. Whether your washing machine or fridge has blown up or you have a medical or vet emergency that you need to cover, Breezy Loans can help you out with an emergency loan. Designed to help you out when you need it most, an emergency loan is the fast, convenient and affordable way to cover your expenses when your pockets are empty and your savings just don’t cut it.

Breezy focuses on hassle-free online applications that will only take you a fraction of the time to complete. Instead of wasting time on complicated and stressful applications why not submit an application with Breezy Loans today and see just how we can help you out.


Can I apply if I receive Centrelink?

Yes, you can apply if you receive Centrelink! Unlike traditional lenders, we believe that everyone deserves a fair go, no matter where their income comes from. As long as you have been receiving Centrelink benefits into your bank account for at least the last three months and you meet our simple application criteria then you’re eligible to apply with Breezy Loans.

Can I apply with bad credit history

Yes, you can apply for an emergency loan, even if you have a bad credit history. We’re more than aware of the fact that not everyone is going to have a perfect credit score. We also believe that everyone deserves a chance to get the funds they need, especially when they’re dealing with an emergency that requires action, fast. If we can help you out, we will. Apply with Breezy, even if you have a bad credit score and our team will do its best to help.

Why did my application get declined?

While we would love to help out everybody who submits an application with us, unfortunately, we can’t approve every single applicant. If you have applied but we declined your application it could be due to a number of reasons that are often outside of our control.

Some of these include being in default to another lender, being over-committed, being unable to fit in our loan repayments with your current income and expenses or being bankrupt. Just remember that just because it was a no this time, it doesn’t mean it will always be a no. You are more than welcome to apply again in the future when we may be able to do something for you.

I have a question about my application or outcome

If you have any questions about your loan application, or you want to discuss your application outcome, we would love to hear from you. Get in contact with our team here during our regular business hours and we can chat with you about any questions or queries that you may have. Additionally, send us an email and we’ll get back to you during business hours.

Frequently Asked Questions

    To be eligible for a Breezy loan you simply need to be:
  • (a). 18 years of age.
  • (b). An Australian citizen or permanent resident.
  • (c). Receiving a regular income in a personal account for at least three months.
  • (d). Able to provide an active mobile number and email address.
  • (e). We may require some extra info once you apply; however, don’t worry, we’ll let you know!

Payday loans are loans that work around your pay schedule. Payday loans are typically unsecured, short-term loans and are usually paid off by your next pay cycle. Personal loans come with a higher term and amount. A security may also required for loan amount more than $5000.

No, we don’t offer payday loans Australia. We do, however, offer flexible loan terms, in line with responsible lending practices.

Yes! We welcome all applicants, no matter what your finances say. We can’t promise to help everyone, but we are more lenient than traditional lenders. So, if you have bad credit, why not apply and see if we can help you.

Yes! If you receive Centrelink payments you may have been knocked back by traditional lenders. However, our team of lending specialists classify Centrelink as regular income as long as you’ve been receiving the payments for at least 3 months.

That’s easy – nothing! Our loan service is 100% paperwork-free. So, no need to worry about submitting any paperwork. We’ll simply ask for your bank account, MyGov and employment info. Don’t worry, it’s nothing scary. We use your bank account and MyGov info to access a read-only copy of your statements, so there’s no need for you to submit any documentation! Breezy, right?

In some cases, we may need to contact your employer. Typically, we do this for new customers, and our team of lending specialists are always discrete and respectful. So, there’s nothing to worry about.

Yes, as part of our responsible lending practices, we do conduct credit checks. However, don’t let this deter you from applying for quick cash.

Applications can be submitted 24/7 via our website; however, our team needs their rest too, so we’ll begin assessing during our office hours.
Office hours:
Monday to Friday – 10:00 AM to 05:00 PM
Saturday & Sunday – Closed
If you apply outside of these hours, you can expect an outcome from our team of loan specialists on the next business day.

Rather than ask “how much can I borrow” ask how much do you need. We want to help, so firstly apply for what you need, and we’ll do our best to bring you a positive outcome. You can borrow from $2100 to $70,000.

Yes, absolutely! We are online lenders that use the latest in safe banking technology to ensure we assess your loan accurately and (most importantly) quickly!

If you’re approved, congratulations! We’ll send you a loan contract, and once you’ve signed on the dotted line, we’ll transfer your cash directly. Apart from your weekly, fortnightly, or monthly repayments, you don’t need to worry about a thing. If you have any questions regarding your current loan, email us at hello@breezyloans.com.au.

First off, we’re sorry you’ve been unsuccessful this time around, but there’s always a next time! We may have said no this time, but we won’t say no forever. You can re-apply after 90 days, and we’ll re-assess your application.

At Breezy, once your loan is approved, we’ll set up a direct debit with your bank account. So, your repayments will automatically be deducted from your account – completely seamless! What a breeze.

We understand that life happens and sometimes you may need to tweak your repayment schedule. If you do, that’s fine, just let our team know at least 24 hours before your next repayment.

Yes. Unfortunately, if you miss a repayment, we will debit your account $27.50. Therefore, to avoid any nasty fees, make sure to have your repayments ready to go in your account before they’re due.

Of course! At Breezy, we believe in flexible loan terms. Therefore, if you find a stroke of luck and you’re able to pay your loan off early, do it and save yourself the interest.

We want our customers to be happy! So, if you have an issue with our service, please feel free to lodge a complaint by emailing us at hello@breezyloans.com.au. We’ll be glad to address any problems or questions you have about our loan service.


Searching for a breezy, personal loan?

Apply for $2100 to $70,000.

Look no further than Breezy Loans for quick finance topped with top-notch
customer service and loan specialists who get it.

Rates & Costs

Medium Personal Loan

Loan Amount
$2100 - $4800

Loan term
12 months - 24 months


  • 1. Maximum Interest rate: 45.99% p.a.
  • 2. Comparison rate: 37.10% p.a. to 65.70% p.a.
  • 3. Loan Type: Secured & Unsecured
  • 4. Establishment Fee: $400

This comparison rate is based on $3600 over 12 months. These are secured and unsecured loans, so lender might ask for security as well. The minimum loan term is 12 months and maximum loan term is 24 months or more.

These are estimated rates only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change.


Personal Loan

Loan Amount
$16,000 - $70,000

Loan term
12 months - 5 years*

  • 1. Interest rate: 14.2% p.a.
  • 2. Comparison rate: 14.65% p.a.
  • 3. Loan Type: Secured & Unsecured

These rates are an example for a loan of $50,000 if borrowing for a term of 5 years.

Loan Amount of $50,000 over 5 years repayable. A monthly $1,190.60 Repayment at a maximum of 14.64% p.a. Comparison Rate. These are secured loans, so lender might ask for security as well. The minimum loan term is 12 months and maximum loan term is 5 years or more.

These are estimated rates only and a comparison rate based on the example information provided. Other fees, costs and charges are not included. This calculation is not an offer for credit. The amount you can borrow may vary once you complete a loan application and all the details relevant to our lending criteria are captured and verified. The interest rate for this product is variable and subject to change.


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