Different Eligible Needs
Applications may be considered for a range of unexpected personal expenses and urgent costs.
PERSONAL FINANCING
Emergency Finance
Unexpected expenses can disrupt even a carefully planned budget. Explore personal financing options for eligible urgent expenses, with every application assessed individually.
ABOUT THIS PRODUCT
Financing for Unexpected Personal Expenses
Emergency finance may be considered when an unexpected expense creates an immediate financial need. Applicants can explain the purpose of the requested financing and the amount required for individual review.
Expenses that may be considered
- Urgent vehicle repairs.
- Unexpected household repairs.
- Essential travel arising from unforeseen circumstances.
- Urgent personal and family expenses.
- Unexpected bills and other eligible costs.
Consider your options carefully
Before borrowing, consider whether the expense can be managed through savings, an existing payment arrangement or another lower-cost option.
Only request an amount you can reasonably afford to repay. Emergency financing is not a substitute for a sustainable household budget.
POTENTIAL BENEFITS
Understand Your Available Options
Individual Application Review
Your circumstances, requested amount and ability to meet repayments are considered during assessment.
Clear Cost Information
Review applicable interest, fees and repayment obligations before deciding whether to proceed.
ELIGIBILITY
Who May Apply?
Individuals facing an unexpected expense may submit an initial enquiry for consideration. Approval depends on the application assessment and applicable requirements.
Application considerations
- Accurate personal and contact information.
- A clear explanation of the unexpected expense.
- The amount of financing being requested.
- Ability to meet proposed repayment obligations.
- Compliance with applicable lending requirements.
Supporting information
If your enquiry progresses, additional information may be requested to understand the expense and verify relevant application details.
Depending on the circumstances, this may include an estimate, invoice, repair quotation or other relevant supporting documentation.
An urgent financial need does not guarantee approval. Every application remains subject to affordability, eligibility and applicable lending conditions.
RATES AND COSTS
Know the Cost Before You Borrow
Loan Amount
Personal loan applications start at $4,999. The amount considered depends on your circumstances and the application assessment.
Interest Rate
Advertised interest rates start at 5.2%. This is the lowest starting rate, not a guaranteed rate for every applicant.
Fees and Repayment
A Due Diligence and Underwriting Fee may apply. Late payment fees may also apply. There are no early repayment penalties.
Review the total repayment obligation, applicable interest and fees before accepting any financing. Borrowing should not create additional financial hardship.
APPLICATION PROCESS
How to Apply for Emergency Finance
Submit an Enquiry
Provide your contact details, intended loan amount and a brief explanation of the expense.
Initial Review
Our team reviews your enquiry and may contact you for further information.
Application Assessment
Your circumstances, affordability and any relevant supporting information are assessed.
Review the Terms
If a proposal is available, review the interest, fees and repayment obligations before accepting.
FREQUENTLY ASKED QUESTIONS
Emergency Finance FAQs
What is emergency finance?
Emergency finance is personal financing that may be considered for eligible unexpected expenses. Applications are assessed individually.
What expenses may qualify?
Eligible expenses may include urgent vehicle repairs, household repairs, unexpected bills and other qualifying personal costs.
How quickly will I receive a decision?
We aim to respond to initial enquiries within 1–3 business days. Further verification and documentation may affect the overall processing time.
Is approval guaranteed because my expense is urgent?
No. All applications are subject to eligibility and affordability assessment. An urgent need does not guarantee approval or funding.
What is the minimum application amount?
Personal loan applications start at $4,999. The amount considered is subject to assessment.
What interest rate applies?
Advertised interest rates start at 5.2%. Your actual rate depends on the product and application assessment.
Are there fees?
A Due Diligence and Underwriting Fee may apply. Applicable fees and charges will be explained before you commit.
Can I repay early?
Yes. There are no early repayment penalties. Your agreement will explain the applicable repayment instructions.
WISECHOICE FINANCIALS
Explore Your Emergency Financing Options
Submit an initial enquiry for review. Our team will explain the next steps if your application may be suitable.
Apply Now