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Emergency Cash Loans


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November 27, 2020

Apply for a fast loan with MagicLoan

There will be a time in our life that we will encounter a sudden financial emergency which isn’t always an issue if you have a good credit standing. But what if you’re in the opposite situation and your credit score is poor and you really need to get your hands on some funds. Here at MagicLoan we do not offer credit check free cash loans, however we may be able to assist you with fast emergency cash loans. At MagicLoan we not only go through your credit score but will base our decision on your current financial situation. This gives our applicants a chance at being offered an instant decision unsecured loan which means that you shouldn’t let bad credit be a factor to not push forward with your application. In fact, you should hit that apply button now with MagicLoan.

What are Emergency Cash Loans No Credit Check?

Would you like to know what an emergency cash loan no credit check is? Lenders who provide these types of cash advances do not need go through the usual process of checking credit scores. However they will also check your current financial standing in their assessment procedure so we can work out your affordability. But other than your credit score, there are other factors that gets your loan application to be assessed further.

Nobody knows when a financial crisis may arise. The urgency of having available cash on hand especially on health emergencies are something that we at MagicLoan totally understand. And yes these situations can truly rock us and overwhelm us but worry not, there is always a solution. MagicLoan checks your financial situation with a fair and reasonable affordability assessment. With MagicLoan, we guarantee that your application is fairly assessed for emergency cash loans online despite any bad credit you may have.

Emergency Cash Loans

MagicLoan Australia

We would like you to know more about MagicLoan Australia. We are your local finance broker, Australian-owned and operated and this keeps us focused solely on our local community. This gives us a feel of what Australians financial needs and patterns can be, even with financial curveballs.

We do our best for every application made by our customers to have a fair go at applying for same day emergency loans whatever the status of their credit score may be. We are a team that understands that when one needs an emergency cash loan bad credit, this should be available to every customer as and when they need a fast loan. This is the reason we made the application process simple for you. With internet connection, you can complete the online application form from your smartphone, tablet, desktop of laptop, in fact anywhere, now isn’t that convenient?

What is Responsible Lending?

At MagicLoan, Our panel of lenders take responsible lending very seriously. What does responsible lending mean? This means our panel of lenders will lend money to those they believe are capable or have the means to repay. We advocate financial health, wellbeing and as much as possible avoid getting you into financial hardship. You can relax knowing that your financial situation is assessed well and strict due diligence is carried out on every customer applying for an instant cash loan. Our team is always available in case you have questions that you would want cleared.

Does MagicLoan Provide Emergency Cash Loans in one hour?

Here at MagicLoan, when you send in your application during regular AEST business hours, the team should be able to provide you with an outcome in 1 hour. And if you have an NPP enabled bank account (about over 90% of Australian bank accounts are), within 60 seconds your funds would be available upon acceptance of your contract.

However, if you happen to not have a NPP-enabled account, bank to bank transfer may take longer as this depends between bank systems but we do our best to make funds available to your access at the soonest time possible. 

How Can I Get Emergency Money Fast?

There are multiple ways that you can access funds fast. You can borrow money from family/relatives or send a loan application online. If you have been searching online or googling for “emergency cash immediately” make sure that the broker you are looking into is reliable and can be trusted. There are a number of lenders that promise immediate cash loans but turns out to be the opposite and either not at all or over a much longer period. At MagicLoan, we check that the loan fits your financial situation prior to approval and sending you the funds.

We take pride in ethical service and while we ensure to give you the quickest possible outcome, It is important to know that MagicLoan would not provide emergency cash loans no credit check or emergency cash immediately and will always make sure the loan is affordable and suitable to your needs.

Fast & Fair Assesments

We cannot guarantee you emergency same day loans bad credit, what we can promise if to give you fast and fair assessment even though you need emergency cash loans no credit check.

As we proceed with our daily lives, we will inevitably encounter financial ups and downs but don’t worry this doesn’t mean that this is definitive as your credit score is only a part of your financial profile, we will also look at how you handle money now . We understand that mistakes can happen and it shouldn’t burden you as we will always take into account the whole financial including your actual affordability.

It takes 7 years for negative reports on credit history to last. For that period of time, your relationship with your finances can change. We check your general spending habits and not just your credit score to get a better idea on your current financial situation.

Who can apply?

In this section, we will provide the qualifications of those who can send in their application. Our requirements at MagicLoan are simple and if you match what’s in our checklist, click the Apply button now:

  • 18 years or older
  • Internet banking
  • Steady income for 90+ days
  • Active email and mobile number
  • Australian Citizen or Permanent Resident

Emergency Loans

What Documents Do We Need?

MagicLoan only requires the necessary information, since the application is 100% online. It would only take a few minutes of your time and here’s the list of what you would be needing:

  • 100 points of Identification
  • Your basic personal information (name, D.O.B., address, etc.)
  • Online banking log-in details (so we can access read-only copies of your bank statements)
  • Reason for the loan application
  • MyGov details (if you receive Centrelink benefits)

Will MagicLoan look at Bank Statements?

We mentioned earlier that we look at an applicant’s financial situation and this is where bank statements help us. We do not access the bank account, just read only statements so we can analyse your spending habits, regular transactions and deposits, how often and such. This will help us assess beyond your credit history. With the help of your bank statements we can see into your current financial situation. If you have any questions on this, feel free to get in touch with us or head over to our FAQ page.

Employment Checks

If you would like to know if MagicLoan conducts employment checks, the answer is yes. As MagicLoan is committed to practicing responsible lending it is part of its assessment process we might get in touch with your employer. This is just a call to verify your employment status. We are highly experienced in conducting employment checks this we don’t disclose your information whether private or personal but most importantly, the reason why you are applying for a personal loan.


If you are a Centrelink beneficiary you are still welcome to apply for emergency cash loans with no credit check with us at MagicLoan. However your application is assessed on a case by case basis. If you would like to know if you are qualified to get a loan even with Centrelink, feel free to submit your application to find out. Centrelink may be seen as a form of income and in other cases it is not. There is no charge if you send in your application, so feel free to hit that apply button at the top of the page. The team at MagicLoan will do all they can for you to find that loan product that fits your needs. For emergency cash loans for the unemployed no more hassle, you can also send in your application to MagicLoan or again hit that apply button. We make sure to assist all Aussies if possible.

Our Customers

Our MagicLoan team are locally employed. They know the situation on the ground, and what goes around the locality and the country. Because of this, they completely understand whatever financial situation you find yourself in. Our team can completely relate to our customers and in turn provide the best service possible. We believe in ensuring that our customers come out with healthy credit scores thus we don’t claim to approve emergency cash loans no credit check as we would not want you to be burdened in carrying a loan you will not be able to repay.

When we assess your application, the results help the team in identifying what works best for you. It wouldn’t be right as your broker to find you a deal that will end up getting you into a difficult financial situation. At MagicLoan we uphold integrity and 100% transparency. We will not surprise you with hidden charges or the like because what we offer you is exactly what it says on the tin. Feel free to get in touch with us if you have need of further clarifications and we will provide you with the answers.

No Hidden Fees

Once you have been informed that your loan application is successful we will provide you with your agreement from one of our lenders. MagicLoan encourages that you familiarize yourself with the agreement. If there are fees or charges that apply to your loan, this is clearly outlined avoiding miscommunication or confusion on its contents. This is our way of ensuring that you can repay your loan comfortably. MagicLoan makes all the details on the agreement clear and if ever you have any questions regarding the details on your agreement, we will be happy to answer you. Before you sign your contract, be sure that you have read through it. This will get you aware of any fees that you may incur if ever you fail to pay on time. This is made clear on the agreement. You can get in touch with us anytime for any concerns.

Urgent Loans

Something to Remember…

Check with yourself before applying for an emergency loan with MagicLoan that a personal loan suits your current financial situation and you’ve exhausted all other avenues. We may not be able to provide emergency cash loans no credit check but our team will assess your situation. It is best to check for yourself and decide if acquiring for a loan product is the best thing to do. At MagicLoan, we are 100% transparent. We won’t keep anything from you in regards to your application. We advise you to see for yourself how much would be the possible fees and charges.

If there is a need for you to have emergency cash on hand, you might want to get advice from professional financial advisors so that you will be guided on what would be the best course of action.

 Ready to Apply?

If you’re all set to apply, follow the steps:

Step 1:

On the top of our page is our loan calculator, just enter the loan amount and how long is your repayment period. If satisfied, hit the “apply now” button.

Step 2:

Once you click the “Apply now” button, it will take you directly to our 100% online application form. This will only take a few minutes to get done. When the application is submitted, just relax and the team will do their part.

Step 3:

If the application is successful, you will be contacted but one of our direct lenders. You will receive an agreement which you can and e-sign if you agree. This is your opportunity to find out what fees you may be charged including those incurred for late payments. Feel free to get in touch with the team if there are questions or clarifications you would like addressed in the agreement.

Step 4:

Upon receiving your signed agreement, the cash will be deposited directly to your account straight away. Inter-bank transfer times can affect how soon the funds are received but we will do what we can to get you your funds within the day.

Crisis Loans

3 Suggestions to Help You Get Approved When You Struggle To Find Cash Loans with Poor Credit!

If your loan application has been declined because of your credit score, here’s what you would need to do. Read below on what are the three suggestions that could help your increase your chances of getting approved:

Know your credit score 

Knowing your credit score will give you an idea if in one way or another you would be granted that emergency cash loan. Having prior knowledge on this provides you with a much needed insight on how eligible you are with instant loans, sometimes credit report agencies will give you an eligibility checker so you can see what you could apply for. You can check with any credit report bureaus for free with the main ones being Equifax, Illion and Experian. You can do this once per year. When you know what your credit score is, get in touch with the lender and ask them on their credit score criteria. This saves you time in submitting applications redundantly.

Know how much cash you need

Knowing how much you need when you apply for your loan is very important. This shows that you have thoughtfully considered the amount that you actually need and second, you are saving yourself on what could be a potential financial disaster and be stuck with a bad credit loan you would have difficulty repaying. It is not a good idea to apply and base it on the maximum the lender can offer.

Consider waiting before applying another loan

Avoid submitting multiple applications in a short period of time, this will further reduce your credit score. Every time you submit a new application, a credit check is being conducted by the lender and this will be recorded on your credit file and if there are too many of those recorded, your credit score starts to drop. Better wait two to three months before submitting applications, this way they will see that you are not in desperate need of cash.


We will always make sure to do our best to get you the right financing option for you. We can offer emergency cash bad credit. Don’t be put off  your application because of the fact that we conduct credit checks, again this is just a part of the process and may even help you instead. Go ahead and submit to us your application at the soonest that you can and we might be able to provide you with your needed funds at the soonest.

Are you checking out for small loans fast? Do they exist? MagicLoan may have the answers that you are looking for.

Get in touch with us and we will provide you with the details you would want to know about micro business loans!

MagicLoan.com.au (Credit Representative Number - 535991) which is an Introducer Appointed Representative of Marketplace Finance Pty Ltd (Credit Representative Number: 487316).  

MagicLoan is not a lender and does not make credit decisions. MagicLoan 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: MagicLoan 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.

Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.