When unexpected expenses strike, panic ensues. Where do you turn for financial assistance? Emergency loans and urgent loans provide thousands of borrowers with access to quick funds online that are easy to apply for. Better yet, when you use a loan finder to secure emergency same day loans and urgent loans for bad credit, you’ll eliminate a lot of time-wasting and get connected with lenders most likely to assist you. Some lenders charge exorbitant interest rates, but with the help of a loan finder, you can avoid the high costs often associated with urgent loans and emergency loans online.
If you’re shopping for emergency loans bad credit, you’ll find that the urgent loans online provided by loan finders are reasonable, simple to apply for, and flexible. We’ve taken the time to compile a list of top providers of urgent loans no credit check (alternatives) and emergency payday loans in the US. Below you’ll find out who the top providers of emergency loans online are, how to apply for urgent payday loans in four easy steps, and what to expect when acquiring such a loan online.
Best Urgent Loans and Emergency Loans 2022 – Quick Overview
- Viva Payday Loans: Best Overall for Urgent Loans for Bad Credit in the US
- Big Buck Loans: Best for Emergency Same Day Loans with Reasonable Interest Rates
- Heart Paydays: Best Platform to Apply for Pandemic Emergency Loans for Bad Credit Borrowers
- Green Dollar Loans: Best for Emergency Loans Bad Credit for Self-Employed Individuals
- Low Credit Finance: Best Provider of Same Day Emergency Loans up to $5000 for Borrowers in a Hurry
Borrow Guaranteed Approval Emergency Loans and Urgent Loans For Bad Credit USA 2022
Viva Payday Loans: Best Overall for Urgent Loans for Bad Credit in the US
Highlights of Viva Payday Loans’ Urgent Loans for Bad Credit Borrowers
- Flexible loan amounts
- Reasonable repayment terms
- Get up to $5000 online
- 100% online application for urgent loans for bad credit
- Small loans for bridging cash
- Bad credit options available
Viva Payday Loans has earned itself quite the reputation for connecting borrowers with providers of urgent loans for bad credit. Urgent loans for bad credit are granted based on loan affordability rather than on credit score. This requires lenders on the panel to do an affordability assessment by comparing the income and expenses of the borrower requesting urgent loans for bad credit.
Urgent loans for bad credit at Viva Payday Loans are flexible. They start from $100 and go up to $5000. The interest rate on urgent loans for bad credit is somewhat impressive for the industry, ranging from 5.99% to 35.99%. And, of course, repayment terms range from 3 to 24 months.
Requirements to be Eligible for Urgent Loans for Bad Credit Scores
- 18+ years
- $1k + income p/m
- US citizen/resident
Big Buck Loans: Best for Emergency Same Day Loans with Reasonable Interest Rates
Highlights for Emergency Same Day Loans with Affordable APRs
- Interest starting from 5.99%
- Reasonable repayment schedules
- Flexible loan amounts
- Fast process of emergency same day loans
- Low-income earners welcome
Big Buck Loans has earned a name for itself, connecting borrowers with lenders offering emergency same day loans with APRs that are considered low in the online finance industry.
With just one application form, borrowers can apply for emergency same day loans with multiple lenders and expect the interest to be between 5.99% and 35.99%. The amounts available for emergency same day loans is important to most borrowers and range from $100 to $5000.
Whether you’re apply for emergency same day loans or another type of loan on the Big Buck Loans website, the application form is the same. Simply fill it in, submit it and wait a few moments to get feedback on the outcome of your emergency same day loans application. You’ll get 3 to 24 months to repay the loan and can expect the lender to set up convenient automated debits.
Requirements to be Eligible for Emergency Same Day Loans with Low Interest Rates
- 18+, earning $1000+ per month
- US bank account with direct deposit
- Legal US citizen with a valid social security number
Heart Paydays: Best Platform to Apply for Pandemic Emergency Loans for Bad Credit Borrowers
Highlights of Pandemic Loans for Bad Credit Borrowers
- Bad credit loans available
- Borrowers negatively impacted by the pandemic are welcome
- Flexible loans up to $5000
- Pandemic loans for bad credit with APR starting at 5.99%
- Up to 24 months to pay
Heart Paydays is a great loan finder option for those looking for financial support as a result of the pandemic. The pandemic emergency loans for bad credit start as low as $100 to help those who simply need to make it to their next payday. That said, pandemic emergency loans for bad credit at Heart Paydays also go as high as $5000 for those who need to pay for something more expensive.
Flexibility is the name of the game at Heart Paydays, and you’ll find that the pandemic emergency loans for bad credit come with 3 to 24 months to pay and interest that ranges from 5.99% to 35.99%, depending on the lender.
You’ll find the entire process for pandemic emergency loans for bad credit at Heart Paydays super speedy.
Requirements to be Eligible for Pandemic Loans for Bad Credit Borrowers
- You must earn at least $1000 per month
- Only people 18+ years can apply
- American citizens only with US bank account
Green Dollar Loans: Best for Emergency Loans Bad Credit for Self-Employed Individuals
Highlights of Emergency Loans Bad Credit Ideal for Self-Employed Individuals
- Freelancers and self-employed applicants welcome
- Low income requirement
- Cash paid out speedily
- Simple application process 100% online
- Flexible emergency loans bad credit amounts
Green Dollar Loans stands out for its selection of emergency loans bad credit that are simply ideal for those who aren’t traditionally employed. Not having formal employment doesn’t mean that you don’t earn an income, and the lenders on the Green Dollar Loans panel understand that. If you’re self-employed or a freelancer applying for emergency loans bad credit, you’ll have to use your bank statements, income statements, or tax returns to prove your income.
You’ll be able to apply for emergency loans bad credit between $100 and $5000. Also, you’ll get up to 2 years to repay the loan, depending on the final amount of the loan. Interest is between 5.99% and 35.99%, and repayment schedules can be weekly, fortnightly, or monthly.
Requirements to be Eligible for Emergency Loans Bad Credit for Self-Employed Borrowers
- US citizens of 18+ only
- Monthly income of $1000
- Provision of supporting documents: proof of address, proof of income, a copy of your ID
Low Credit Finance: Best Provider of Same Day Emergency Loans up to $5000 for Borrowers in a Hurry
Highlights of Same Day Emergency Loans of $5k Max
- Borrow up to $5000
- Quick processing of same day emergency loans
- 3 to 24 months to pay
- Interest 5.99% to 35.99%
- Same day emergency loans available to bad credit borrowers
Low Credit Finance is a loan finder that believes in speedy processing and payouts of same day emergency loans. After filling in the application form for same day emergency loans, you’ll wait just a few minutes to get feedback and the next steps.
When applying for same day emergency loans between $100 and $5000, you’ll have the option to select repayment schedules that suit your income structure. That means that you can pay off the loan amount weekly, fortnightly, or monthly over 3 to 24 months, depending on the total amount you’ve borrowed.
With interest of just 5.99% to 35.99% on same day emergency loans, Low Credit Finance is considered extremely reasonable in the online loans market. There’s a quick and easy application form to complete, and you can use same day emergency loans for absolutely anything you want.
Requirements to be Eligible for Same Day Emergency Loans of up to $5000 for Borrowers in a Hurry
- US citizen of 18+, earning $1000 per month
- US bank account with direct deposit
- Proof of income and proof of address required
Types of Emergency Loans Online
- Same Day Emergency Loans Online:
Same day emergency loans online of up to $5000 are processed on the same day they’re applied for. This saves time and frustration!
- Emergency Loans Online Up to $5000:
Emergency loans online range from $100 to $5000 and come with terms of 3 to 24 months.
- Bad Credit Emergency Loans Online:
Bad credit emergency loans online are approved based on affordability and not on credit score. Lenders will carry out an affordability assessment.
- Emergency Loans No Credit Check:
Emergency loans no credit check are granted to individuals with less-than-perfect credit scores. For such loans to be possible, lenders scrutinize your income vs. your expenses. These loans come with interest between 5.99% and 35.99%.
What Are Emergency Loans No Credit Check & How Do They Work?
Emergency loans no credit check are loans that are provided very quickly without the need for a positive credit check. Emergency loans are available to low-income earners and bad credit borrowers and range in size from $100 to $5000. Interest is added to the principal loan amount, and then the loan plus interest is spread across the repayment months (3 to 24 months).
Emergency loans with no credit check don’t necessarily exist, as responsible lenders will always check your credit file to ensure you can repay a loan on time.
How to Apply for Emergency Loans
Applying for emergency loans is simple via the Viva Payday Loans platform:
Step 1: Choose the Emergency Loans Amount & Terms You Require
Emergency loans offer options of $100 to $5000 in amounts and 3 to 24 months in terms. Make your required selection.
Step 2: Complete the Application Form for Emergency Loans with No Job
At the top right-hand side of the screen, click on the green “Apply” button to process a request for emergency loans with no job, or any other kind of emergency, or an urgent loan. Then follow the easy prompts to fill in the form.
Step 3: Sign Your Contract for Emergency Loans
On submitting the form, you’ll wait two minutes to get feedback on urgent loans, or emergency loans with no job. If it’s a go-ahead, you’ll be sent a loan agreement to consider.
Step 4: Get the Payout for Your Approved Emergency Loans
Once the loan agreement is signed and sent back to the lender, you can expect the funds from your emergency loans with no job request to be paid over to you.
Urgent Same Day Loans No Credit Check Features & Factors to Consider
The True Cost of Urgent Same Day Loans No Credit Check
The true cost of urgent same day loans no credit check is the loan amount plus interest and any other fees/charges expected.
Ethical, Transparent Provision of Urgent Same Day Loans No Credit Check
Using a loan finder safeguards you and ensures that any urgent same day loans no credit check you sign up for are provided by reputable lenders.
Budgeting for Urgent Loans No Credit Check
Budgeting is very important when applying for urgent loans no credit check. If you don’t know what you can afford to pay each month, you may request too much, and your loan may be denied.
How We Chose the Best Providers of Urgent Loans No Credit Check
Choosing providers of urgent loans no credit check was simple. We looked for:
- Quick and easy online applications
- Flexible loan amounts and terms
- Simple processes void of industry jargon
- Reasonable interest rates
When shopping around for urgent loans no credit check, you’ll stand to benefit from using a loan finder. With Viva Payday Loans in our number one position, we strongly urge you to visit the platform and see for yourself what they have to offer.
Where Can You Get an Emergency Loan if You Have Bad Credit?
Using a loan finder is your best bet to get emergency loans with bad credit because such platforms are automated and will connect you with borrowers most likely to assist people in your financial position.
Why is Using a Loan Finder to Get Emergency Loans Better Than Approaching Lenders Individually?
Loan finders require one application to present your request to multiple lenders. You’ll save time and money and won’t approach lenders that have no intention of assisting you.
How Can I Get an Urgent Loan in the US?
You can get an urgent loan in the US by using an online loan finder such as Viva Payday Loans. These urgent loan applications take just a few moments to process and, once approved, pay out very quickly.
*Whilst loan-matching services won’t check your credit, lenders in their panel may check your credit file with your explicit consent. The loan websites reviewed are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. All APRs & rates are for illustrative purposes only, and are not reflective of every option in the providers panel. Please read the website’s terms & conditions and full disclosures before requesting a loan. This article does not provide financial advice and loans available to U.S residents only.