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Emergency payday loans

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Very easy! Get emergency payday loans that are up to $5,000

IAFC  Emergency Payday Loans

A lot of things happen to you as an adult which no one would tell you about, and part of it is that emergency happens at the moments which you never know or you least expected. Some things would happen when it shouldn’t, where it shouldn’t, that is when you would see your tree is growing on a path that would destroy your sewer line, with no dime in your pocket or savings account that would help you pay your way out of such difficult situations. Or even when your car has damage or a pet got sick. That is when you start having the thought that I should get an emergency payday loan today. Then, turn to IAFC to get you the needed help, which is our area of specialization, we would help you to get emergency payday loans when you need them as fast as possible. 

 Can I Get Emergency Payday Loans Today?

Emergency Payday Loans

We live in a world that is currently digital, no need to wait for anything! You get fast results, solutions online as quickly as possible and so does expenditure comes as such. So, getting a solution should come as if you never had to wait. 

In the face of an emergency, getting money shouldn’t take days. No need to wait for a long time for approval or look for the time to go and visit a lender. At IAFC, a quick emergency payday loan is our specialty. 

Loans for emergencies, avoid the pitfalls

When searching for loans for emergencies, it is easy to make the mistake of signing up with the first provider you find. You have a pressing need for funds, after all, and you just want to get the extra cash you need. However, this might end up with you overlooking other better, more reasonable-rated options in the process. Since you would not really have the luxury of time to sort through all potential lenders in your area, you can refer to lender fender services like IAFC to help you get paired with the best possible lenders. Our process is entirely online. All we need you to do is fill out our online form. Depending on when you have submitted the form to us, we will do our best to get you paired with a potential lender within an hour. Once approved, most lenders will be able to get your funds transferred within the day.

How IAFC Emergency Payday Loans Work in Australia

Before you can qualify to receive an emergency payday loan in Australia, you must be a citizen of Australia, you have to be 18 years or above, then you need a bank account that is active in internet banking.  

You cannot be getting the most of your income from Centrelink benefits as well. By meeting the following simple criteria, you should proceed to apply. Since life emergencies that require fund are not particular to one population, we provide loans for everyone eligible and is up to the IAFC lending requirements.  


To get an emergency payday loan online begins with opening an IAFC account, then you apply for a small loan amount or medium. With a small loan, you can borrow from 300 dollars to 2, 000 dollars then for the medium you can receive from 2,000 dollars up to 5, 000 dollars. 

We will look into your finances with you when you enter your bank account details online. We are very experienced in giving out emergency payday loans to Australians, so we can never loan you any amount more than what we have confirmed that you can pay back easily. We work with you to decide the exact loan size that suits you and also to confirm a schedule for repayment which is most convenient for you. 


After you have followed the easy process to apply, you only need to hold on a few more minutes for verifying your details. 

If you apply on time and we approve your application, and before 4:30 on weekdays then you will get your emergency payday loan from us within the hour in Australia. 


At IAFC, you do not have to be worried that there are any hidden charges. Our operations are transparent, starting from the moment you apply, only if you change your repayment terms that your fees will change.  For easier service, there is a direct debit set up from the bank account you gave us when you apply online for an emergency payday loan.   

With this direct debit method, you do not have to worry that your payment has not been made it that you don’t remember the date of repayment. You just concern yourself with making sure there are enough funds in your bank account on the day of repayment, the good thing is we will also notify you via mail so that you can keep that in mind.  Also, there’s no penalty if you choose to pay off your loan early. If you are doing better and you get to pay early, we will be happy for you!  

Choose IAFC Today And Get The Loan To Get Through Life’s Emergency

Asides from emergency payday loans in Australia, we still got more for you. It doesn’t matter your emergency, it is better that you don’t just borrow from everyone. You should borrow from an organization that is competent, experienced, and reputable who works with their customer in mind. 


At IAFC, helping individuals get the emergency payday loans that they need starting in 2005. We have successfully provided funds for over a million and a half people. We worked to relieve borrowers of the hindrances of lending from traditional lenders so that people living in Australia can access emergency payday loans at the time that they need them.

Customer Service

We offer quick loans to meet your needs. We try our best to give you an easy experience when you apply so that you can easily and quickly get the needed funds. When you get your loan, go online and confirm your loan and repayment terms. We would also help you in deciding the amount to borrow. In case any problem pops up contact us so that we can resolve this with you as soon as possible.    

Emergency Payday Loans In 60 Minutes Throughout  Australia

Getting an emergency loan is necessary when you are faced with unexpected expenditures and the only way you can get through is if you borrow money. You need to calculate the exact amount you need before you go ahead to get a loan.

Calculate Your Total Income

When an emergency arises, you can easily forget that you have another source of income other than your regular job. You need to calm down and calculate the dollars that are streaming in and the time they come.  So, you will remove all expenses that you cannot avoid from it like paying for your rent, feeding, utility, and car bills. 

After this, you will most likely know the real situation of your total income. So you should also see if you can cut down on some expenses so that you can cover the whole amount for the emergency.  

Emergency Loans

Calculate The Whole Emergency

In some cases, the emergencies may be open and easy to get around. For instance; cleaning up a stain on your couch. While for some others your pet may require surgery which will involve some other expenses apart from the cost of the surgery. Like the medication, the fuel that you burn going to and fro to your vet, and also the special meals he would have to start taking. So when you calculate the needed funds for your emergency payday loans, also consider the charges that are not done obviously so that everything can be covered before you know it!  

Get Emergency Payday Loans Today

In the face of financial hardness, you should contact IAFC to sort you out financially. We are one of the highly-rated money lenders during emergencies in Australia and we are always ready to get you the funds you need now!  

Compare IAFC Loans


Loan Feature

Small Loan

Medium Loan

Establishment Fee

20% of the loan amount

$400 fee

Loan Amount

$300 – $2,000

$2,050 to $5,000


20% of loan amount + 4% of the loan amount each month

Application fee of $400 + 47.6158% p.a.


Comparison rate:** 65.6597% p.a.

Loan Terms

The loan term is 62 days to 9 months depending on the loan amount

62 days to 22 months


For IAFC Small and Medium Loans, we offer fast loan approval and quick cash transfer. You can get your cash in 1 hour after we confirm your loan before 4:30 on working days. 

NOTE: the comparison rate given above is only accurate for the above example, and it doesn’t have to contain the total charges. When you have a different loan term, amount of loan, or fees, there would be a difference in the comparison rate. IAFC does not give a loan amount of 2,500 dollars for a 2 years term.  

Kindly check our complete Fee Statement to get more details on the fees.  Let’s say you reschedule the loan repayments after your loan is already confirmed, it may attract extra charges.  

Due to this reason, it is better that you check out the amount of money you are going to need before you proceed with your loan application. So like this, you will ensure that you are not borrowing more than what you need.  

Also, you can consider some other factors when you want to start applying for a loan, they include the following; 

  • Your major income should not come from Centrelink payments. 
  • You have to be more than 18 years
  • You must be employed
  • You need to have a bank account with active internet banking

Our customers get their funds within 1 hour of confirming the loan contract between the hours of 9: 00 am to 4:30 pm AEST on working days. The time to clear your finds will depend on your bank. 

Apply Today!

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

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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. 

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