Emergency loans NZ – fast cash for urgent expenses
When sudden costs hit—burst pipes, vet bills, storm repairs—Real Finance’s emergency loans give Kiwis quick cash to cover essentials, fix damage, or secure safe accommodation without extra stress.
Why choose an emergency loan with Real Finance?
Conditional decision in 60 minutes
Apply online in five minutes and we’ll respond fast when time matters most
Tailored to your financial situation
We match the loan amount, term and fixed interest loan rate to your budget, not a one-size rule
Same-day payout
Funds are usually released on the day you e-sign, so you can pay for repairs, medical care or other essentials immediately
Secured or unsecured options
Offer security (like a car) for sharper pricing, or keep it unsecured for maximum speed and flexibility
NZ-based team & CCCFA compliance
Talk to real people who understand urgent Kiwi needs and responsible-lending rules
What can an emergency loan cover?
- Urgent medical or dental bills
- Temporary accommodation after a flood, cyclone or earthquake
- Replacing damaged equipment (laptops, tools, appliances) so you can keep working
- Emergency car repairs to stay mobile and earning
- Essentials such as food, power and water when income is disrupted
- Veterinary care for pets in crisis
- If it’s critical to you, our emergency loans are designed to bridge the gap quickly and responsibly.
Preparing your loan application
- Gather these before you start the online form to speed things up:
- Photo ID – NZ driver licence or passport
- Recent bank statements – last 90 days (PDF or CSV)
- Proof of income – payslips, benefit statement or GST returns
- Insurance or relief paperwork if your need is tied to a natural disaster
- Quotes/invoices for repairs or replacement equipment, if available
- Having everything ready helps us verify affordability and release funds faster.
How much will it cost?
Use our emergency-loan calculator to see your repayments instantly. Enter the amount and term, tweak until it fits your budget, and remember—there are no early-repayment penalties.
Available loan amount
From $1,000 to $100,000
Terms
2 – 30 months
Repayments
Starting from $35 per week
Security options
Household chattels, Vehicles, Property or other collateral.
Disclaimer
This calculator is intended as a helpful guide for use when comparing loan providers and should only be used as such. It provides results based on the assumptions below and the information you provide.
- The calculated amount is not a quote or offer from Real Finance (or our External Lenders).
- Repayment amounts calculated are based on an indicative annual interest rate of 23.95%, an Establishment fee and a Monthly Administration fee.
- The rate offered to successful applicants will depend on individual circumstances and loan type, including your credit score, affordability and security offered.
- Our current annual interest rates and costs of borrowing can be found here.
- Other fees or charges may apply to your individual loan.
- It assumes you make all your required repayments in full and on time and therefore do not enter default.
For more information or to obtain a finance quote tailored to your individual circumstances, please contact one of our friendly team.
Emergency loans NZ – easy as 1, 2, 3
1. Application
Fill in our 5-minute loan application form, or call 0800 21 21 21 to talk to our friendly team.
2. Review
We’ll review your loan application within 60 minutes to make sure your loan is fit for purpose and affordable for you. We’ll also review your credit score and financial situation as part of the process.
3. Payout
Once your loan amount is approved, we document your application, explain the terms, sign you up and pay out your funds—so you can get your fast cash without delay.
“Real Finance took my problems seriously. They listened and then came back to me with a thoughtful solution.”
Frequently asked questions
How fast can I get the money?
Once your loan application and documents are complete, funds can be released the same day—often within a few hours.
Do you lend after natural disasters?
Yes. If your home or business has been hit by a storm, flood or earthquake, we can consider an emergency loan to cover immediate repairs or essentials.
Is collateral required?
Not always. Unsecured options are available up to $20,000, but offering security can lower your interest rate and increase your limit.
What if my situation worsens later on?
Contact us early. We can explore extending the loan term, switching temporarily to interest-only, or other hardship solutions to protect your credit.
Can I top-up the loan if costs blow out?
If your repayment record is solid, we can review a top-up or second facility quickly to cover extra expenses.
We’re here to help
Have more questions about urgent-expense funding, fast payout times, or short-term loan terms? Contact our team for personalised support.
Ready to get help now?
Apply online in minutes or call 0800 21 21 21. Our team is standing by to get you the emergency funds you need—fast, fair and hassle-free.
