Do You Need An Urgent Loan? Safrock Could Help!

Urgent Loan

Urgent loans from reliable lenders

Are you in need of an urgent loan? At Safrock, we are committed to providing Aussies with the fast cash they need – without the hassle. That’s why we’ve made it easier than ever to apply. Our application process is 100% online. That means you can apply wherever you are and whenever you like. Whether you’ve been googling ‘urgent cash loans Perth’ or ‘I need a loan urgently’, Safrock could be the lender for the job. It’s completely free to submit an application, so why not go ahead and apply today?

What is an urgent loan

An urgent loan is basically just a cash loan or personal loan that can be accessed quickly. In most cases, traditional lenders do not provide urgent loans. Online lenders are the best place to go if you would like to access hassle-free cash quickly. Safrock is a lender-finder service. That means we submit your application to a variety of online lenders so you get a better chance at approval. Safrock can not guarantee every single application will be matched with a compatible lender. We can, however, guarantee that all Aussies will get a fair assessment!

Who are we

Safrock is an online lender-finder helping local Aussies get the cash they need without the long waiting lines. Sick of spending hours searching the web for ‘I need an urgent loan please help’ or ‘loan needed urgently today’? Safrock will do the searching for you. We’ll show your application to a variety of different lenders so you get a better chance at approval. Not even bad credit has to stand in the way. Safrock could match you with an open-minded lender. 

If you’ve been googling ‘urgent loan service’ then you probably know how many online lenders are out there. It can be extremely confusing. The good news is, Safrock takes the stress out of finding a lender. We understand that not many consumers have time to waste scrolling through pages and pages of google searches. If we’ve been able to locate you a compatible lender we’ll let you know straight away. At Safrock, we cut straight to the chase. If you choose to submit an application during AEST business hours our team will do their best to get back to you with an outcome in 60 minutes. 

Who can apply?  

So, now you know a little more about Safrock’s lender-finding service, you’re probably wondering who is eligible to apply. At Safrock, we like to keep our application criteria pretty simple. Here’s what you’ll need to meet if you’d like to submit an application for an urgent loan

  • All applicants must be over the age of 18;
  • You must have received some type of regular income for the last 90 days into a bank account that is your own;
  • Applicants must have an active mobile phone number and email address that we can contact you on; 
  • You must use internet banking.

If you can tick all of these boxes you could scroll up right now and use our loan calculator to get started on an urgent loan application.

How do I apply for urgent cash loans

If you’ve been busy all day googling ‘I need a loan urgently’, ‘urgent cash loan online’, ‘urgent cash loan today’ or ‘I need an urgent loan please help’ then stop where you are. Don’t waste your time trying to compare lenders, let Safrock do it for you! Here’s how you could apply right now: 

Apply online

If you’re ready to get started just head to the top of this page and use our online loan calculator to input your desired loan amount and the repayment period. You will then be directed to Safrock’s 100% online application form. 

Fill out the form 

Our online application form could only take you a few short minutes to complete. Our team will just need to grab a few important details from you. When you’re done, we can start searching for a compatible lender. 

We look for a lender 

Once our team receives your completed application we’ll show a variety of online lenders to give you the best possible chance at approval. It is important to keep in mind that the Safrock team can not guarantee approval for every applicant, however, we can guarantee all Aussies a fair go. 

Sign your agreement 

If the Safrock team has successfully matched you with a compatible lender we will put you in touch straight away. Your new lender will send over an agreement for you to review and sign. The Safrock team strongly urge all borrowers to read through their agreement carefully and make themselves aware of the terms and conditions of the loan contract. If you have questions regarding your agreement it is important to get in touch with your lender before signing. When you’re happy with the terms of your loan, just sign and send your contract back to your lender.

Get your cash 

Once your new lender receives a signed copy of your agreement they will transfer the funds straight into your account. Some lenders are now using instant banking. That means you could have the cash in your account and ready to use in just 60 seconds.* It is important to remember, however, that not all lenders are able to transfer funds instantly. If this is the case, you will receive your loan in the next round of banking. 

What documents will I need to show a possible lender?

When you apply with Safrock’s lender finding service we’ll grab a few important details from you to submit with your urgent loan application. The good news is, we only ask you to provide the absolute necessities. Our 100% online application form could only take you a few minutes to complete. Here is what we suggest you have handy: 

  • Personal details like your online banking & employment info; 
  • An active email address and mobile number;
  • The reason you are applying for the loan; 
  • Your MyGov details (if you’re receiving Centrelink);
  • Employer and contact details.

Will a possible lender call my work? 

In most cases, a possible lender will get in touch with your work to confirm a few important details. There is no need to stress though, this is just a routine part of most Aussie lenders assessment process. A potential lender will always approach an employment check with professionalism and discretion. None of your personal information will ever be disclosed to your employer – including the reason why you are applying for an urgent loan

Got more questions about employment checks? We recommend you get in touch with your individual lender.

Will my lender need online banking details? 

Yes, most of the time a potential lender will need you to provide online banking details so they can access read-only copies of your bank statements. Bank statements allow a possible lender to have a look at your spending habits, income and current financial commitments so they can assess whether or not an urgent loan is an appropriate financial decision. 


Worried about the security of your information? There is no need to be. Aussies lenders are required to use bank-level encryption so your information is always protected. Your lender will be able to answer any questions you may have regarding online banking details. So, we encourage you to get in touch with them if you’d like more information. 

What if I have bad credit? 

Got bad credit? Don’t sweat it. You might be surprised to know that not many Aussies are proud of their credit score. The good news is when you apply with Safrock we might be able to find you a lender that could approve an urgent loan for bad credit.


Unlike traditional lenders, some online lenders will not discredit applicants with bad credit.  Some lenders will base their assessment on factors like income, spending habits and other financial commitments instead of just your credit score. So, there is no need to spend hours googling ‘direct lender for urgent loans with bad credit’. If a lender can see that you have made a considerable effort to reconcile bad credit you could be eligible for a loan. 

Will my lender do a credit score check? 

Yes, most online lenders will conduct a credit score check whilst assessing your application. As we mentioned, however, not all lenders base their assessment entirely around the result of a credit score check. At Safrock, we encourage you to go ahead and submit an application. Let us see what we can find. 

How much does an application cost? 

Absolutely nothing! When you apply with Safrock, we will not charge you anything to submit an application. Our team will show your form to a variety of different lenders and if we are not successful in matching you with a loan you will not be required to pay a cent. 

If you’re unsure as to whether you could be approved, we encourage you to apply. Potential lenders can’t conduct a thorough assessment without an application. What have you got to lose? The Safrock team will do their best to match you with the perfect lender. 

Can I get an instant loan?

At Safrock, we do not provide instant loans. It is important to remember that we are a lender-finder and, therefore, can’t speak on behalf of a possible lender. That being said, most responsible lenders will not be able to provide an instant loan due to the fact that a fair and thorough assessment must be conducted before an applicant can gain approval. 

At Safrock, we do our best to get back to applicants within 60 minutes if they apply during AEST business hours. Our team will endeavour to get you in touch with a potential lender as soon as possible so you get the cash you need without the long wait time. If you’ve got questions regarding bank transfer times on your urgent loan we encourage you to get in touch with your individual lender.  

Ready to apply?

If you’re looking for an urgent loan, don’t put it off any longer! Apply with Safrock today and take the hassle out of finding a personal loan.

We can help you access funding to cover a wide range of expenses, including travel, weddings and car repairs. For more information on our loan products, click here

Keep up to date with all things finance on the Safrock blog! Read up on calculating interest, loan rates and how much you can borrow!

*Only available for NPP enabled bank accounts.