When life throws an unexpected expense at you — medical, vehicle, home or family — Breezy delivers emergency loans from $2,100 to $70,000. 60-minute decisions, same-day funding, 100% online. No branch visits. No waiting.
An emergency loan is a personal loan taken out to cover urgent, unexpected costs that cannot wait for your next payday or a traditional bank's processing timeline. Whether the expense is medical, mechanical, structural or personal, the defining feature of an emergency loan is the need for speed — both in the decision and in the funding.
At Breezy, emergency loans are available from $2,100 to $70,000 for employed Australians with a regular income of at least $600 per week. The application is 100% online and takes under 10 minutes. Decisions are provided within 60 minutes during business hours, and funds reach your nominated bank account the same business day or the next business day after signing your contract. All fees and your exact repayment amount are confirmed before you sign — no surprises.
Your rate is determined by your loan amount. All rates are fixed for the full loan term — your repayment never changes.
All fees disclosed upfront. Establishment fee 20% of loan amount. Monthly fee 4% of loan amount per month. Dishonour fee $27.50. No early repayment fee. Actual rates and repayment amounts confirmed in your loan contract before signing.
Any unexpected situation requiring urgent cash can be covered. Here are the most common scenarios Breezy borrowers face.
Surgery, hospitalisation, dental procedures, prescriptions, specialist treatment, and mental health care requiring private funding.
Breakdown repairs, accident costs, urgent mechanical work, and transport emergencies when your vehicle is your livelihood.
Roof damage, burst pipes, electrical faults, heating failure, water damage, and structural issues that cannot wait.
Funeral costs, unexpected interstate travel for a family crisis, urgent child specialist treatment, and other personal crises.
Explore the full range of Breezy emergency loan solutions to find the best fit for your urgent situation.
When the emergency can't wait until tomorrow. Same-day funding for urgent situations requiring cash today.
Read MoreFast cash for any emergency purpose. 60-minute approval, flexible terms, no collateral required.
Read MoreFor situations where every hour matters. Urgent cash loans assessed and funded with maximum speed.
Read MoreFast approval for financial gaps. Designed for people who need a decision now, not next week.
Read MoreBreezy emergency loans are available to employed Australians with a stable income. The following criteria apply.
No Upfront Credit Check: Breezy does not perform a credit inquiry at the beginning of the application. A credit check is only conducted at the final stage of assessment, so if you withdraw or are not approved before that point, your credit score is not affected.
Three straightforward steps from the moment you apply to the moment funds arrive in your account.
Complete the 100% online form in under 10 minutes. No branch visits, no printing. Connect your bank account through the secure read-only portal for income verification.
Our team reviews your income, expenses and repayment capacity from your bank statement data. A decision is provided within 60 minutes during business hours.
Review and sign your digital loan contract. Funds are then transferred to your nominated bank account the same business day or the next business day at the latest.
Breezy emergency loans give you the cash you need so you can focus on solving the problem, not financing it. Apply online in minutes and receive a decision within 60 minutes during business hours.
Apply NowBreezy Loans Pty Ltd holds Australian Credit Licence 389610. Credit subject to approval. Emergency loans from $2,100 to $70,000. Minimum income $600 per week for three consecutive months. Interest rates: 39.9% p.a. ($2,100–$4,999), 34.9% p.a. ($5,000–$14,999), 29.9% p.a. ($15,000–$70,000). Establishment fee 20%, monthly fee 4%, dishonour fee $27.50. No early repayment fee. Terms 4–24 months. Approval and funding timelines are indicative. This information is general and does not constitute financial advice.