Call us on 1300 792 250 to apply for a loan and borrow money now
  • Need a loan for holiday? Borrow up to $5000 with us today! Apply now.
  • Is it time to treat yourself? Borrow up to $5000 with us today! Apply online now.
  • A loan for home improvement? Borrow up to $5000 with us today! Apply now.
Submit your application
To get started, please view our “Resources” page to see what documents to have handy and then click “Apply Now”.
Be sure to include a contact phone number where we can reach you during business hours, 9.00 AM to 5.00 PM EST.
Receive your cash
Make sure you provide your bank account details to receive your money.


We understand that not everything in life is straight forward. Consequently, we try to offer personal and unsecured loan products to borrowers, who through no fault of their own, find themselves with a less than spotless credit history or in some other unique circumstance, for example:

  • Less than perfect credit history
  • Discharged past bankrupts
  • Past business failure
  • No “regular” income (eg self-employed or sole trader)
  • Limited or no security
  • New arrivals

If you've been knocked back by a bank or other credit provider when trying to borrow money for any of these reasons, chances are we can help.

So, what are you waiting for? Apply Online now or ring us on 1300 792 250.

I have had the opportunity of having 4 loans through EM Finance, each time has been a quick and ....
Andriya Queensland
I have had no problems whatsoever and look forward to doing more business with EM Finance in the....
Ms. P Queensland
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