Top 5 Best Emergency Loans For Bad Credit & Urgent Loans with No Credit Check 2022

Mihai-Alexandru Cristea 08/09/2022 | 15:30

The number of Americans satisfied with their emergency savings has fallen to 42% from 54% since 2020 (according to Bankrate). Emergency loans can save the day when unexpected or unwanted expenses crop up for those without a rainy day or emergency savings fund. Emergencies can present in a variety of ways. Perhaps the car breaks down and needs repairs, or your water heater bursts and needs to be replaced. You could even experience a medical emergency you can’t afford. Emergency loans, generally available in amounts up to $5000, make it easier for Americans to make ends meet.


We understand that the cost of living is rising, and the thought of unexpected or emergency expenses can be terrifying for Americans without spare funds. We took the time to put together our editor’s pick of the top five US providers of emergency loans. 


Best Emergency Loans 2022 – Quick Overview 


Best Emergency Loans For Bad Credit & No Credit Check 2022 

1. Viva Payday Loans: Overall Best for Emergency Loans

When reviewing the service offered by this loan-finder, we were thoroughly impressed by the loan range, terms, interest rates, and application process. Emergency loans for bad credit via Viva Payday Loans range from $100 to $5000, with flexible terms from 3 to 24 months, and APRs between 5.99% and 35.99%. 

The application process is the epitome of quick and easy. Borrowers need only indicate what they wish to receive and how long they want to repay it over and then complete a brief online application form. Lenders that can provide emergency same day loans will put together a loan agreement that must be signed, and once received, the lender can pay out the cash to the borrower.

Eligibility Requirements for Emergency Loans Bad Credit

  • 18 years+ to apply
  • Minimum income required is $1000 p/m
  • Valid social security number required
  • US bank account with direct deposit required

Pros of Emergency Loans Online

  • Fast online application
  • Flexible loan amounts and terms
  • Bad credit borrowers welcome

Cons of Emergency Loans

  • Interest up to 35.99%

Click Here To Request Urgent Loans Now >


2. Low Credit Finance: Best for Fast Approvals on Emergency Loans Online 

One universal thing is that borrowers seeking emergency loans online typically require cash in a hurry. This is where Low Credit Finance shines. The loan-finder connects borrowers with lenders offering same day emergency loans that are often paid out within just 15 to 60 minutes. 

Just how fast are the approvals on emergency same day loans bad credit? While payouts are between 15 and 60 minutes from approval, approval itself usually only takes two minutes after submitting the online application form. In addition to fast approvals on loans, Low Credit Finance offers emergency loans bad credit. There’s no such thing as emergency loans no credit check due to regulatory compliance at Low Credit Finance, but low credit borrowers are welcome to apply.

Loans range from $100 to $5000, and depending on the amount borrowed; repayment periods range from 3 to 24 months. The interest on emergency loans available at Low Credit Finance ranges from 5.99% to 35.99%. 

Eligibility Requirements for Emergency Loans Online

  • Minimum age requirement of 18 years
  • US bank account that supports direct deposit
  • Minimum earning of $1000 p/m
  • Legal citizens and residents of USA only

Pros of Emergency Loans Online

  • Flexible repayment options of weekly, fortnightly, and monthly debits
  • Flexible loan amounts and terms
  • 60-minute payouts

Cons of Emergency Loans Online

  • APRs higher than bank rates.

Click Here To Request Urgent Loans Now >

3. Big Buck Loans: Best for Emergency Same Day Loans

By nature, emergencies don’t wait. Emergency same day loans are readily available via Big Buck Loans. In most instances, approved loans are paid within 15 to 60 minutes. 

Same day emergency loans are flexible on the Big Buck Loans website. You can choose from amounts between $100 and $5000. Depending on your current affordability and financial standing, you can expect to receive an APR of anything between 5.99% and 35.99%. With 3 to 24 months to pay, getting emergency same day loans bad credit won’t put your budget under any excess strain

All borrowers must undergo an affordability assessment when applying for emergency same day loans via Big Buck Loans. This is a comparison of your income vs expenses. 

Eligibility Requirements for Emergency Same Day Loans

  • Only 18+ years old applicants allowed
  • Applicants must earn at least $1k per month
  • Legal citizens and residents of USA only

Pros of Emergency Same Day Loans 

  • Fast turnaround on loan applications
  • Two-minute approval process
  • 60-minute payout process

Cons of Emergency Same Day Loans

  • Interest can reach 35.99%.

Click Here To Request Urgent Loans Now >

4. Heart Paydays: Best for Emergency Loans with No Job

You may think that you cannot get emergency loans with no job, but the reality is that being formally employed is no longer a requirement in the lending world. That doesn’t mean that you can apply for emergency same day loans if you make no money every month. Instead, it means that if you’re not traditionally or formally employed but still earn the minimum income of $1000 per month, you’re still eligible for a loan. 

Heart Paydays has a reputation for helping freelancers, self-employed individuals, rental income earners, dividend recipients, and even royalty recipients (to name a few) receive financial aid when they need it most. Emergency loans for unemployed individuals available via Heart Paydays range from $100 up to $5000 with 3 months to 2 years to pay. If you’re applying for emergency same day loans via the Heart Paydays platform, you can expect interest to be between 5.99% and 35.99%. 

True to design, emergency same day loans bad credit arranged via the Heart Paydays platform pay out on the same day they are approved. While this is the norm, it cannot be guaranteed by Heart Paydays.

Eligibility Requirements for Emergency Loans for Unemployed Individuals

  • 18+ years of age to apply
  • Direct deposit US bank account required
  • Valid social security number required
  • Supporting documents needed (proof of income, proof of address, copy of ID)

Pros of Personal Loans for Emergency Loans with No Job

  • Flexible loan amounts up to $5000
  • Affordable minimum income of $1000 per month required
  • Quick and easy online application

Cons of Emergency Loans for Unemployed Individuals

  • Some applications are rejected.

Click Here To Request Urgent Loans Now >


5. Green Dollar Loans: Best for Emergency Loans for Bad Credit Borrowers

If having bad credit is stressing you out, rest assured that you’re not alone. Millions of Americans have bad credit, and when it comes to getting emergency loans, they assume that they will be automatically rejected.

Providing emergency loans for bad credit borrowers has earned Green Dollar Loans a great reputation in the industry. What’s more is that if you’re in a hurry, you can quite easily get your hands on emergency same day loans bad credit if you meet the eligibility criteria and pass an affordability assessment. 

Same day emergency loans available via the Green Dollar Loans platform are flexible, with the lowest amount starting at $100 and the highest available amount being $5000. When setting up the monthly installment debits, lenders will allow you to select options that match your current salary/wages schedule.

The interest rates you can expect when applying for emergency loans via Green Dollar Loans start from 5.99%, reaching as high as 35.99%. Typical repayment terms are 3 to 24 months.

Eligibility Requirements of Emergency Loans for Bad Credit

  • Age limit of at least 18 years old
  • Income must be at least $1000 p/m
  • You must be a legal resident or citizen of USA 

Pros of Emergency Loans Bad Credit

  • Great for emergency loans no credit check
  • Pandemic emergency loans for bad credit borrowers are available
  • 100% application process 

Cons of Emergency Same Day Loans Bad Credit

  • Interest rates can be very high.

Click Here To Request Urgent Loans Now >


What Are Same Day Emergency Loans & How Do They Work? 

Emergency loans are short-term loans provided in a hurry to those who need a quick cash advance to afford an unexpected expense or sudden emergency. It’s easy to apply for emergency loans for bad credit by completing an online application form via a local loan-finder platform. When emergency same day loans bad credit are calculated, interest is added to the principal amount, and then the total is split between the requested repayment period (3 to 24 months). 

Borrowers must then ensure that they pay their loan installments on time each month or face penalties from the lender.


How to Apply for Emergency Loans No Credit Check

Follow these simple steps to access emergency loans no credit check:


Step 1: Choose How Much You Need & How Long it Will Take You to Pay it Off 

Select from amounts from $100 to $5000 with 3 to 24 months to pay. 


Step 2: Follow the Prompts to Fill Out an Online Application Form 

Click on the “Apply” button on the loan-finder’s site and then input your personal details.


Step 3: Wait Two Minutes for Feedback and Finalize the Details

Once you submit the application form, wait around two minutes to get feedback. You will be put in direct contact with the lender to go over the finer details of the loan. 


Step 4: Read Through the Loan Contract, Sign the Agreement and Get the Cash

The lender will ensure that an agreement is sent to you for your perusal. Ensure you fully understand the terms of the loan and then sign the contract and send it back to the lender. The loan will then be promptly paid out.


Features & Factors to Consider Regarding Emergency Loans Online

Emergency Same Day Loans Amounts and Terms

Lenders have their own offerings! When using the loan-finders we have reviewed above, you can expect amounts between $100 and $5000 with 3 to 24 months to pay. 


Emergency Same Day Loans Payouts

Lenders usually endeavor to pay out between 15 and 60 minutes, or at the most, 24 hours.


Cost of Same Day Emergency Loans

The total cost of your loan is the loan amount plus interest (between 5.99% and 35.99% of the total loan amount) and any fees that may be incurred along the way. Some lenders charge an establishment fee. Other fees include early settlement penalties, as well as late or missed payment penalties.


Checks that Apply to Emergency Loans Online

Emergency loans no credit check aren’t available via loan-finder sites due to regulatory compliance. Credit checks always apply, but bad credit borrowers can still access emergency loans. 


How Did We Choose Providers of Emergency Loans Online?

We chose emergency loan providers that offer:

  • Interest no higher than 35.99%
  • Easy application processes
  • Transparency and access to reputable lenders
  • Loan options for low FICO scores 



Using a loan-finder such as Viva Payday Loans will ensure that you get access to emergency loans online in the most hassle-free way possible. We found each of the options on our editor’s top pick to be viable options for those who want emergency loans in a hurry.



Can You Get an Emergency Loan?

Unsecured small-dollar loans used to cover sudden or unexpected expenses are emergency loans. The good news is that you can get these loans readily via any of the loan-finder sites referenced above. These loans take a few minutes to apply for and typically pay out within 15 to 60 minutes. 


How to Get Emergency Loans with No Job?

It would be unlikely to get an emergency loan without a job if you don’t have a secondary income that qualifies you for the loan. The minimum monthly earnings cannot be less than $1000 per month. Using Viva Payday Loans or similar loan-finders will put you in touch with lenders most likely to approve your loan request. 


What Can I Use an Emergency Loan for?

Emergency loans can be used for anything you like, from groceries or household r epairs to buying a new car, paying for a medical expense, or going on a trip.


Disclaimer: 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.

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