Where can i get an emergency loan with bad credit

Won't impact your credit score.

An emergency loan is an unsecured personal loan that can help cover unexpected expenses when you don’t have a financial cushion or can’t come up with the cash on your own right away. While there are different forms of emergency loans (e.g., payday, pawn shop, auto title, or high-rate installment loans), an unsecured personal loan for emergencies is often a better option as it can offer lower interest rates, fast funding, and affordable monthly payments made over a set period of time. Eligibility is based on your creditworthiness and no collateral is required.

Where can i get an emergency loan with bad credit

Get Cash Fast

Over one-third of our customers get funded within 24 hours after approval. *

Where can i get an emergency loan with bad credit

Protect Your Savings

Avoid dipping into savings or retirement and keep your finances on track.

Where can i get an emergency loan with bad credit

Save Money

Flexible terms, competitive rates, and fixed monthly payments save you money over time.

Personal Loans

  1. Installment loans can help you pay down debt and take control of your budget
  2. Single, fixed rate monthly payment is easy to manage
  3. Fixed monthly payment and payoff date saves you money over time
  4. Lower average APRs

Credit Cards

  1. Revolving credit accounts can lead to overspending
  2. Managing multiple credit cards with variable due dates, limits, and terms is time consuming and stressful
  3. Low minimum monthly payments and revolving compound interest can trap you in a cycle of debt
  4. Higher average APRs are an expensive way to pay for large purchases

Frequently Asked Questions

This is sponsored content. All opinions and views are the advertiser's and do not necessarily reflect the opinions and views of WXYZ Channel 7.

Emergency loans and urgent loans have saved the day for millions of Americans over the past decade. As gaps in budgets don’t allow for saving, and while unexpected expenses crop up here and there, emergency loans providers have become a top demand in the online finance world for people seeking urgent loans. Both emergency loans and urgent loans are designed to be quickly applied for, processed, and paid out so that borrowers aren’t kept waiting around.

With so many borrowers searching online for emergency loans and urgent loans, we decided it was time to piece together our well-researched editor’s pick of the best emergency loans and urgent loans providers in the US. Each emergency loans provider and its various urgent loans are reviewed below.

Best Urgent Loans – Quick Overview

  • Low Credit Finance: Best Overall for Urgent Loans for Bad Credit
  • Viva Payday Loans: Best for Emergency Same Day Loans Bad Credit 
  • Big Buck Loans: Best for Urgent Loans No Credit Check, Paperwork, or Calls
  • Heart Paydays: Best for Emergency Loans for Unemployed Individuals
  • Green Dollar Loans: Best for Urgent Same Day Loans No Credit Check Direct Lenders

Best Emergency Loans For Bad Credit in October 2022  

Low Credit Finance: Best Overall for Urgent Loans for Bad Credit

If you’re shopping around for urgent loans for bad credit, you’ll find everything you need and more at Low Credit Finance. Low Credit Finance earns itself the number one position on our list of best urgent loans for bad credit providers because their entire process from start to finish is hassle-free.

It takes just a few minutes to apply for urgent loans for bad credit between $100 and $5000. During the application process, you’ll be able to select the required repayment period between 3 and 24 months and will be provided with an expected interest rate. The APR is lender-dependent, but in most cases, it starts as low as 5.99% and goes as high as 35.99%.

As a bad credit borrower in a hurry for cash, you’ll undoubtedly want to access a speedy loan application process that doesn’t delve into your credit history. That said, urgent loans for bad credit via Low Credit Finance are ideal for you. While lenders on Low Credit Finance may carry out credit checks, they won’t base the outcome of your application purely on your credit score.

Eligibility Criteria for Urgent Loans for Bad Credit

  • Monthly salary of $1000 per month
  • Age requirement of 18 years+
  • US citizens only

Pros of Urgent Loans for Bad Credit

  • Quick processing and payouts
  • Flexible loan amounts up to $5000
  • Bad credit borrowers likely to be approved

Cons of Urgent Loans for Bad Credit

  • High interest costs

Click Here To Visit Low Credit Finance and Apply for Urgent Loans Today >>

Viva Payday Loans: Best for Emergency Same Day Loans Bad Credit 

If you’re looking for funds to cover an emergency or unexpected expense and don’t have much time to play with, you may want to apply for emergency same day loans bad credit via the Viva Payday Loans platform. Here you will experience speedy processing of loans, with the lenders on the Viva Payday Loans panel processing loans on the same day they’re received.

To ensure the process isn’t hindered, applicants should have digital versions of their supporting documents on hand when applying for emergency same day loans bad creditbetween $100 and $5000 on the Viva Payday Loans platform. The supporting documents for emergency same day loans bad creditinclude a copy of your ID, proof of address (a utility bill or your lease agreement for example), and proof of income (bank statements and payslips).

You can choose between 3 and 24 months to pay and can expect interest rates to range from 5.99% to 35.99% when applying for emergency same day loans bad creditvia Viva Payday Loans.

Eligibility Criteria for Emergency Same Day Loans Bad Credit

  • 18+ age requirement
  • $1000 min monthly salary
  • Access to your own US-based bank account

Pros of Emergency Same Day Loans Bad Credit

  • Bad credit borrowers can get funding
  • Loans range up to $5000
  • Competitive interest rates

Cons of Emergency Same Day Loans Bad Credit

  • Only US citizens and residents allowed

Click Here To Visit Viva Payday Loans and Apply for Urgent Loans Today >>

Big Buck Loans: Best for Urgent Loans No Credit Check, Paperwork, or Calls

Big Buck Loans makes getting urgent loans no credit check seem easy. The platform’s application process takes just a few minutes and is entirely free of the red tape often associated with urgent loans no credit check.

When applying for urgent loans no credit check via Big Buck Loans, you only need to fill out an online application form. There’s no need for physical paperwork or calls, and your credit score won’t ruin your chances of approval if it’s less than perfect.

Big Buck Loans’ online application enables borrowers to select the amount and term they require for their urgent loans no credit check, ranging from $100 to $5000 and 3 to 24 months, respectively. The interest rate you can anticipate on urgent loans no credit check when using Big Buck Loans as your loan finder ranges from 5.99% to 35.99%.

Eligibility Criteria for Urgent Loans No Credit Check, Paperwork, or Calls

  • 18 years old+
  • $250 per week or $1000 per month earnings
  • US citizen/resident
  • US-based bank account with direct deposit

Pros of Urgent Loans No Credit Check, Paperwork, or Calls

  • Minimal admin involved
  • Fast processing of loans
  • Quick disbursement of funds

Cons Urgent Loans No Credit Check, Paperwork, or Calls

  • Expensive interest rate.

Click Here To Visit Big Buck Loans and Apply for Urgent Loans Today >>

Heart Paydays: Best for Emergency Loans for Unemployed Individuals

Thanks to the emergency loans for unemployed individuals available via Heart Paydays, many self-employed Americans, freelancers, or people who earn their income through non-conventional means can get the cash they need to help them through an emergency.

Gone are the days when borrowers could only prove their income with a payslip. Nowadays, emergency loans for unemployed individuals are granted to those who meet the eligibility criteria and can prove they earn at least $1000 per month (bank statements and tax returns suffice).

Emergency loans for unemployed individuals via Heart Paydays range from $100 to $5000 and come with 3 to 24 months to pay, with interest ranging from 5.99% to 35.99%.

Eligibility Criteria for Emergency Loans for Unemployed Individuals

  • Prove income of $1000 per month
  • ID proving eligible age (18+)
  • Citizens and residents of the US only
  • Direct deposit supporting bank account

Pros of Emergency Loans for Unemployed Individuals

  • Quick processing of loan applications
  • Approved loans paid out quickly
  • Unemployed individuals eligible for loans

Cons of Emergency Loans for Unemployed Individuals

  • High interest rates.

Click Here To Visit Heart Paydays and Apply for Urgent Loans Today >>

Green Dollar Loans: Best for Urgent Same Day Loans No Credit Check Direct Lenders

For many borrowers, dealing with direct lenders provides exceptional peace of mind, and that’s a top priority at Green Dollar Loans. This loan finder connects borrowers with direct lenders offering urgent same day loans no credit check.

The urgent same day loans no credit check available via Green Dollar Loans range from low to high, starting at just $100 and going up to $5000. The interest rate is standard for the industry, starting at 5.99% but with some lenders charging as much as 35.99%. The lenders on the platform’s panel make it easy for borrowers to repay their urgent same day loans no credit check over 3 to 24 months.

Applying for urgent same day loans no credit check is simpler than you might think. All you have to do is visit the Green Dollar Loans website and fill in the quick and easy online application form. Approved loans are paid out quickly, too.

Eligibility Criteria for Urgent Same Day Loans No Credit Check

  • 18 years old minimum
  • $1k per month salary
  • Local US bank account with direct deposit

Pros of Urgent Same Day Loans No Credit Check

  • Loans starting as low as $100
  • Up to 24 months to pay
  • Bad credit borrowers welcome

Cons of Urgent Same Day Loans No Credit Check

  • High APRs.

Click Here To Visit Green Dollar Loans and Apply for Urgent Loans Today >>

What Are Emergency Personal Loans & How Do They Work? 

Emergency personal loans are loans provided in a hurry to borrowers in need of fast cash. There’s minimal red tape involved in the process, and bad credit borrowers can apply for them if they can afford the repayments. Interest of between 5.99% to 35.99% is added to the loan total. The total amount is then divided by the number of months in the loan term, and the borrower pays the amount back in fixed monthly installments.

How to Apply for Emergency Personal Loans 

Applying for emergency personal loans via a loan finder such as Low Credit Finance only requires you to follow four simple steps as follows:

Step 1: Choose the Emergency Personal Loans Amount You Wish to Apply for

You can select a loan amount from $100 to $5000.

Step 2: Complete the Online Urgent Loans Bad Credit Application Form

Low Credit Finance features an online urgent loans bad credit application form on their website. Access the form and fill it out.

Step 3: Wait for a Decision on Your Urgent Loans Bad Credit Application

After submitting the urgent loans bad credit application form, you’ll only wait two minutes to hear if you can be assisted. If you choose to go ahead with a loan offer, you can expect to finalize the details with the lender directly.

Step 4: Receive the Emergency Cash Loans Funds Payout

Read through the loan agreement, sign it and send it back to the lender so you can get your emergency cash loans payout.

Urgent Cash Loans for Unemployed Individuals Features & Factors to Consider 

Repayment Schedules for Payday Emergency Loans

Some payday emergency loans are paid back on the very next payday, but some that are larger can be paid over 3 to 24 months. Debit orders can be set up weekly, fortnightly, or monthly.

Processing of Loans Urgent Applications

Loans urgent are processed quickly, with payouts happening just as quickly. Always check on the processing time expected when signing a loan contract.

Reputation of Providers of Emergency loans with Bad Credit 

Using a loan finder service to secure emergency loans with bad credit ensures you have peace of mind as lenders on the panel are reputable, reliable, and accredited.

Interest on Urgent Cash Loans 

Urgent cash loans come with interest of between 5.99% and 35.99% - don’t overlook this when calculating if your monthly budget can afford the installments.

How Did We Choose the Best Emergency Payday Loans Providers? 

When creating our editor’s pick of the best emergency payday loan, we looked for lenders and loan finders offering borrowers the following:

  • A range of loan amounts to choose from
  • Fast loans that are genuinely quick to apply for
  • Borrowing options for bad credit borrowers
  • Lengthy repayment periods to suit all budget types

Conclusion 

If you’re in the market for urgent bad credit loans and don’t want to waste time and effort applying with individual lenders, using a loan finder site is the best possible option. After comparing the providers on the market, we’ve settled on Low Credit Finance as our number one pick. That said, all the loan finders we’ve reviewed above offer viable services absolutely free of charge to borrowers, even bad credit borrowers.

FAQ’s 

What’s The Biggest Payday Loans Emergency I Can Get?

The amount you can borrow depends on how much you earn and your current monthly expenses. Lenders treat each application individually. That said, when using a loan finder such as Low Credit Finance, the max you can borrow is $5000.

How Can I Borrow Emergency Money?

Have your supporting documents ready, and then visit a loan finder site such as Low Credit Finance, Viva Payday Loans, Big Buck Loans, Heart Paydays, and Green Dollar Loans. Fill in the quick and easy application form, and the automated system will connect you with a lender most likely to assist you.

Can Freelancers Apply for Urgent Loans Online?

Yes, freelancers can apply for urgent loans online if they meet the lending criteria. This means you must earn no less than $1000 per month, be at least 18 years old, be a legal citizen or resident of the USA, and pass an income vs. expenses assessment to prove you can afford the loan.

Disclaimer: This is a paid advertisement. The loan websites reviewed are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. Requesting a loan with the websites does not guarantee any acceptance of a loan. This article does not provide financial advice, please seek help from a financial advisor if you need financial assistance. Loans available to U.S residents only. The owner of the loan website(s) may be paid commission by a third party if you make a request for a loan.

What's the easiest loan to get with bad credit?

Secured, co-signed and joint loans are the easiest to get with bad credit. A secured loan requires collateral like a car or savings account, which the lender can take if you fail to repay.

How can I get a loan right away with bad credit?

Loans for people with bad credit.
Payday loans. Payday lenders typically don't look at your credit when deciding if you're eligible for a loan. ... .
Car title loans. Car title loans are also short-term loans that may be an option for people with bad credit. ... .
Personal loans. ... .
Peer-to-peer lending. ... .
Payday alternative loans..

What apps will let me borrow money instantly?

Here are the top 10 apps for cash advances..
Earnin — Best for earning-based borrowing..
Chime — Best for overdraft protection..
Brigit — Best for same-day loans..
MoneyLion — Best for multiple options..
Current — Best for checking and spending..
Dave — Best for highest cash advance..
Empower — Best for quick cash advances..

What is the easiest loan to get approved for?

The easiest loans to get approved for would probably be payday loans, car title loans, pawnshop loans, and personal installment loans. These are all short-term cash solutions for bad credit borrowers in need.