Why people choose LastMinuteLoan.

Our LastMinuteLoan form is super-fast and the easiest around! Based on the information you provide we direct you to one of many lenders.

A Last Minute Loan

$200 - $30,000 you really need

Get a last minute loan when you really need it, as it is a fast and simple, short-term solution, not a long-term problem.

No Messy Paperwork

Super-fast application

Applying with LastMinuteLoan is super-fast, taking just minutes. A automated system is fully online so no painful face-to-face meetings.

Get an Answer Fast

Decision in seconds

A simple, automated system gives connects you directly to lenders instantly.

Don't Wait Around

Get your money fast

Your first cash loan goes straight into your bank account within 60 minutes of signing the contract.

How it works

Step 1

5 minute application

Applying through LastMinuteLoan is super-fast and should take you less than 5 minutes.

Step 2

Decision in seconds.

Get directed instantly to a lender.

Step 3

Paid in 60 minutes

Get paid within 60 minutes during standard banking hours.

Sound good? Let's check out some examples.

Small Loan

Loan Amounts: Minimum $200 to Maximum $2,000

Terms: Minimum 16 weeks to Maximum 50 weeks

Costs: Up to 20% Establishment Fee charged upfront plus a monthly fee up to 4% based on a maximum Annual Percentage Rate (APR) of 98%

Example: Loan Amount of $1,250 over 28 weeks repayable weekly

$1,250 (Principle Amount)+ $250 (20% Establishment Fee) + $350 (fees based on APR of 98%) = $1,850 total repayable in 28 weekly instalments of $66.07

Medium Loan

Loan Amounts: Minimum $2,005 to Maximum $3,000

Terms: Minimum 39 weeks to Maximum 52 weeks

Costs: $400 Establishment Fee plus fees based on a maximum Annual Percentage Rate (APR) of 48%

Example: Loan Amount of $2,500 over 52 weeks repayable weekly

$2,500 (Principle Amount)+ $400 (Establishment Fee) + $760 (fees based on APR of 48%) = $3,660 total repayable in 52 weekly instalments of $70.38


How do I get paid so fast?

Your first loan will be transferred by the loan provider straight into your bank account within 60 minutes contract (during standard banking hours).

On average, people have the money available within minutes of the transfer. Sometimes it may take up to 2 hours, though, depending who you bank with.

Are there any renewal fees?

Loans are not rolled over or refinanced, and therefore no renewal fee is charged.

The penalties for non payment vary depending on the lender that finally fullfils your loan requirements. They range from civil legal action to ongoing fee's and charges untill the loan balance is settled.

What is Our APR?

For our Small Loans of $200 to $2,000, an APR (Annual Percentage Rate) doesn't apply. These loans are fee-based only, so they don't have an APR. The Medium Loans have a maximum APR of 48%. The Small Loans have a maximum APR of 98%.

How much does it cost?

You'll always see a clear breakdown of all your fees and repayments before you confirm your loan. As a quick reference, though, here's a general breakdown of fees:

Cash in 1 Hour No Credit Checks?

Are you looking for a fast last minute loan with no credit check? We guarantee a quick and easy process but sometimes lenders will do their research and learn about your credit history. This doesn't mean that you are automatically not approved if you have bad credit. Many lenders are willing to forgive past credit performance and give you cash to help you with your emergency needs.

What happens if I can't repay on time?

If you can't repay on time please let the lender know immediately so they can reschedule the repayment. The fee for missing repayments is $15. Other fees and charges may also apply depending on the lender. If you miss a payment, the lender will always try to contact you to attempt to sort out an affordable arrangement.


All participating lenders comply with all government regulations related to short term loans and are compliant. Lastminuteloan is compliant with all regulations related to the referral of loan enquiries.