Emergency Loans

Couple are stressed about finance when emergency appears
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Interest rates

From 8.99%

Loan term

1 to 7 years

Online application

5-10 minutes

Loan approvals

Fast and simple

Close up of a young couple doing their bills in the kitchen

In need of cash for something urgent? Looking for quick Emergency Loans NZ wide? Well, your search ends right here! At Max Loans, we source fast and flexible Emergency Loans to help you get back on your feet. Read on to know more!


What is an Emergency Loan? 


Life doesn’t always go according to plan. When things go wrong, unexpected costs can arise and cause significant stress if you’re not financially prepared to deal with them. An Emergency Loan is a great way to take care of those unexpected costs when you don’t have enough money saved up, giving you one less thing to worry about during a difficult time.


An Emergency Loan can be used for a range of things, including:



Losing a loved one is a terrible experience and there are a number of things that need to be financed like the casket, burial, flowers, catering and other ceremonial expenses. If you’ve been put in a position to fund a funeral outright or contribute to one, an Emergency Loan for funeral expenses can help ensure you are able to access quick funds to organise a respectful funeral, so you can focus on saying goodbye.



Medical expenses can put a significant strain on your finance, particularly when you don’t have medical insurance. An Emergency Loan can be used to cover medical procedures, minimising your financial stress while helping you get the treatment you need.



Of course, it’s best to avoid unpaid bills or missed payments in the first place, but life can be unpredictable. Perhaps the washing machine needed repairs and you don’t have enough money left over. Or maybe the high-interest payday loans have sent you into a debt spiral. Whatever the reason, an Emergency Loan can help you get quick access to cash to pay off your debts and put you back in control. It’s worth noting that generally late payments are reported to the credit bureaus and added to your credit report until they’re 30 days past due. So if you’re only a few days or a couple of weeks late on your payment, make sure you act quickly to tackle the problems, avoiding damage to your credit score.



There are many possible scenarios that would cause you to seek urgent repairs to your property. For example, broken or leaky pipes can cause your home to flood; Falling branches from overhanging trees can severely damage the roof; Foundation cracks can threaten the structure of your home. An Emergency Loan can provide you with the cash injection you need to get urgent repairs completed, helping you maintain the highest possible value for your house.  Even if you have insurance, often insurance pay-outs can be slow and require you to fund the excess.



When your vehicle is off the road and in need of repair, even the simplest of everyday tasks can prove to be a struggle. An Emergency Loan for car repairs can help cover the expenses of auto mechanical repairs, smash repairs, window replacements, new tyres and other automotive costs, so you get back on the road sooner and safer.



Emergency vet expenses can be costly, and the sad fact is that many people just don’t have the insurance or the savings to cover the vet bills. An Emergency Loan for pet care can help provide fast cash to pay for emergency vet care, or important procedures you can’t put off any longer, ensuring your pet gets back to full health in no time and maintains a good quality of life.



Moving houses can be stressful and usually comes with a lot of expenses – it’s not just the rental bond you have to deal with, most likely you will also need to pay rent in advance as well as the additional moving costs. If you need some extra cash to take the pressure off the big move, an Emergency Loan can help secure your new rental accommodation immediately with all of the incurred expenses covered, and you can take your time to repay the loan over a manageable period while living comfortably in your new rental property.



Holidays, such as Christmas and New Year, can be difficult times to manage your finance. There are a number of different expenses that can pop up during holidays and put a real strain on the wallet. If you need a little extra money to ease the cash squeeze, an Emergency Loan can help cover seasonal expenses to let you fully enjoy the holiday season. You can use the money for whatever you want – be it for taking a holiday, buying gifts for friends, or having a celebration party.



School activities, such as school camps and sports events, provide a great opportunity for children to develop new skills, friendships and interests. An Emergency Loan can help parents pay for those activities that are not part of the school’s curriculum and spread the payments over an affordable time period, reducing financial burden on parents.



An emergency loan can help you cover all sorts of emergency expenses when your money may not be accessible – it can even help with passport or visa related needs. Be it for renewing your passport, applying for an immigration visa, or using the service of an immigration adviser – an emergency loan can help you get instant finance to solve any financial problems.


How can Max Loans help?


At Max Loans, we know what it is like to be caught short and then hit with unexpected expenses, and we are here to assist with fast Emergency Loans NZ wide to help you get quick access to cash. As you apply for an Emergency Loan, we make sure that the process is as fast and simple as possible. Easily complete our online application form in minutes and let us locate a lender that matches your requirements. With years of experience and access to a wide variety of lenders, we make it easy to find the best solution, saving you time and leaving you better-off.


We understand that during difficult times urgent loans with no credit check or payday loans can be tempting, especially if you have an impaired credit history. However, those loans typically come with very high-interest rates and can make it harder to get finance down the track with reputable personal loan companies who view payday lending negatively. At Max Loans, we specialise in advising on bad credit loans. Not only do we turn over many rejected applications, we also help our customers with bad credit find competitive rates and loan terms and rebuild their credit profile. If you have an adverse credit history and need help with your finance, get in touch and we’ll do our best to help find a way forward.



How much can I borrow?


You can use our personal loan calculator to get an idea of how much you could borrow, what your repayments might be, and how long it could take to pay off your loan. Please be aware that this calculator is provided as a guide only and the results from this calculator do not represent an offer from Max Loans. Your actual interest rate depends on many factors, including the amount borrowed, your personal circumstances and your credit history.



Why get an Emergency Loan through Max Loans?


  • We source competitive, personalised interest rates.
  • Emergency Loans are available as either secured loans or unsecured loans.
  • Applying for an Emergency Loan with us is fast and easy.
  • Repayments can be made weekly, fortnightly or monthly, and there’s no early repayment fee.
  • There are no hidden costs.
  • We’ve helped many happy customers secure finance with bad credit.
  • We are the proud winner of Feefo Gold Trusted Customer Service Award.



Contact Max Loans today


While a fast loan can certainly help in times of trouble when you need cash urgently, it’s important you choose the right Emergency Loan that won’t end up adversely affecting your financial situation in the future. Talk to Max Loans to find out more about Emergency Loans, including the risks and disadvantages associated with each potential option and how we can help find the right solution!

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