Best Emergency Loans For Bad Credit: 5 Payday Lenders For Urgent Loans For Bad Credit Of 2022

No matter how well you manage your finances, there is always the risk of an emergency that only money can solve. Everyone has experienced a financial crisis, and in such times it is good to have a backup plan and resolve the problem as quickly as possible.

A great backup plan for an urgent situation, especially if your credit score is low, is to be able to apply for emergency loans for bad credit and get quick approval. We’ve picked some of the most reliable money lending platforms to help you resolve your financial predicament.

Top 5 Online Lenders To Get Emergency Cash Immediately

  1. MoneyMutual: Overall Best Online Lender Offering Emergency Loans For Bad Credit
  2. Bad Credit Loans: Get Quick Loans For Bad Credit
  3. RadCred: Popular Loans Lender Offering Hardship Loans For Bad Credit
  4. CashUSA: Ideal To Get Fast Cash Loans For Bad Credit
  5. Personal Loans: Borrow Money Instantly From Top Personal Loans Lender

#1. MoneyMutual: Overall Best Online Lender Offering Emergency Loans For Bad Credit

MoneyMutual is at the top of this list because the platform excels in delivering financial solutions to many clients. With millions of satisfied clients across the United States, MoneyMutual is an example of a dedicated money lending platform that always puts customers first.

The platform was founded in 2010 to help people in need of emergency finances. Since then, it has grown to become one of the most popular platforms for money lending in the U.S., constantly growing its customer and lender network.

Today, MoneyMutual is a respectable lending platform that is a member of OLA and features an extensive lender network of over 100 lenders.


  • Different loan types with diverse amounts

MoneyMutual is a loan platform that offers diversity. Namely, it allows you to apply for emergency loan types with different amounts. With this platform, you can easily apply for a unsecured personal loan, cash advance, credit card cash advance, and even a bad credit loan, ranging in amounts from $200 to $5000.

The terms and conditions of each loan are set exclusively by the lender, which means that MoneyMutual takes no part in that regard. But considering that the platform is well established and works with many respectable lenders, the terms and conditions should be flexible and suit anyone.

  • A free-of-charge platform

MoneyMutual provides loan services that are free of charge to all clients. There are no manipulative ways that this platform can trick you into applying for a loan so that it can make money. You must certainly be wondering how the platform makes money, then?

MoneyMutual makes its share of the profit by imposing percentage fees on lenders for every potential client that signs a loan through them. That way, the clients are relieved of paying anything to MoneyMutual.

  • Very simple and informative website

Applying for a loan through MoneyMutual is done by visiting their official website. From the start, you will notice that the website is simple in design and layout, providing quick access to the application instead of overwhelming you with a lot of information.

The platform has a dedicated section on loans, specifically on how to apply for one and manage your finances, which you can access in the “Resources” tab in the main menu. You will find all the information you need to help you understand what loans are for and how to manage them. This is especially good for beginners and people who have never borrowed money.

Click here to visit the official website of MoneyMutual


  • Approves emergency loans ranging from $200-$5000
  • A fast approval & loan proceeds process in just under 24 hours
  • Free of charge platform
  • The application is made through a simple online form
  • A large network of over 100 lenders
  • A secure platform that safeguards your personal information
  • Member of OLA(Online Lenders Alliance)
  • Trusted by over 2.000.000 customers across the United States
  • Three easy steps to receive quick emergency funds
  • Highly suitable for people with bad credit
  • A simple website that provides all the essential information


  • You must be a citizen of the US to be eligible for a loan
  • Not available worldwide

#2. Bad Credit Loans: Get Quick Loans For Bad Credit

A company that’s been in business for more than 24 years, Bad Credit Loans, is an online lending service that helps clients connect to potential lenders and receive bad credit score loans. Their network also includes state and tribal lenders with higher loan amounts and interest rates.

So if you are having trouble obtaining a loan with your bad credit score, you should check out this platform and apply for one through its service.


  • Transparent platform with a dedicated scam alert section

Bad Credit Loans is a money lending middleman that helps borrowers connect with lenders easily and efficiently. It does that by being transparent about the lending process and the risks that come from it.

The platform is not a direct lender, which means that it has no control over the lender’s terms and interest rates. Once you sign a loan agreement with a lender, the platform is no longer liable for the loan.

Even though it cooperates with reputable lenders, the platform still offers a scam alert section to inform its clients of potential fraud that certain lenders might impose on them. On its website, you will find this dedicated scam alert section with a lot of useful information about the subject.

  • A platform dedicated to providing loans for bad credit score clients

As the name suggests, Bad Credit Loans is especially dedicated to people with bad credit scores and financial difficulties. A bad credit score does not always mean that your credit score can be too low to obtain credit. You can also have a bad credit score if you’ve never borrowed a loan before and it's your first time.

This platform connects you with potential lenders with strong financial backgrounds and can provide finances to even the worst credit score clients. With so many loan types to choose from, there is little to no chance that you won’t be approved for a loan with this platform's lenders.

Click here to visit the official website of BadCreditLoan


  • Connects you with lenders that offer from $500 to $10.000
  • 100% free of charge application process
  • Extended lender network that also includes tribal lenders
  • Private and secure service
  • 24/7 customer support
  • Competitive APR ranges
  • Offers a large variety of loan types
  • Over two decades of experience
  • A very informative section about scams


  • The platform may not be available in all states of the US
  • May require information that is unnecessary for a loan application

#3. RadCred: Popular Loans Lender Offering Hardship Loans For Bad Credit

With millions of worldwide users, RadCred is among today's financial market's most trusted money lending platforms. It has thousands of loyal customers because it knows how to deliver satisfying results.

To satisfy its client's needs, RadCred collaborates with a network of well-established lenders that provide higher loan amounts to people in emergency financial situations. All information about its clients is highly encrypted and cannot be used by anything other than the application process without the client's approval.

Since its founding, RadCred has grown its services exponentially, increasing the types of loans it provides to fit any client. Today, the platform provides access to unsecured personal loans that offer personal loans, student loans, business loans, and so on. The funds are approved and transferred within the same day of applying. Besides, the online lender is best rated by The Island Now for its financial services.


  • A well-designed website

The first thing we noticed and liked about RadCred is how well its website is designed and laid out. With such a user-friendly design, the platform goes straight to the point and does not waste the client's time with so much information.

As a result, the application process with RadCred is fast and reliable, with just three easy steps to gain financial aid from a lender. The website also incorporates a high-security 2048-bit protocol that will protect your personal information against misuse. It is a great cohesion of both the aesthetic and the functional.

  • Emphasizes security

RadCred focuses highly on the security and privacy of its clients. The 2048-bit encryption it implements into its service is industry grade. Banks and other financial institutions use the same encryption level.

You can learn a lot about the platform's privacy policy from the dedicated section on its website. In short, RadCred cannot use your personal information for third-party purposes unless you give your consent to do so.

The platform also advises you to read its privacy policy fully before accepting its terms and disclosing personal information to third-party services.

Visit the Official Website of RadCred


  • A simple, secure, and quick way to your bad credit loan
  • Trusted by millions of people around the world
  • Three-step application process
  • Quick money transfers of up to $5000
  • Multiple offers from lenders that you can compare
  • Highly encrypted service using 2048-bit encryption
  • Member of OLA(Online Lenders Alliance)
  • Flexible repayment terms
  • Acceptable APR ranges


  • Bad credit score clients may not be eligible for higher loan amounts
  • The website lacks educational resources

#4. CashUsa: Ideal To Get Fast Cash Loans For Bad Credit

CashUSA is a money lending platform that has been up and running since 1997. This makes it one of the oldest lending services accessible through the internet. It is also a fact that this platform has over two decades of experience in finance, cooperation, and quality service.

Today CashUSA is an intermediary service that constantly connects borrowers with potential lenders. It has thousands of satisfied and loyal customers who have resolved their emergency financial difficulties using its services. We decided to add CashUSA to our list and review some of its most notable features below.


  • A very informative educational section

CashUSA’s educational center is one of its best features. Why? Because it shows how the platform wants its clients to be fully informed and knowledgeable about their finances before making any kind of decision.

The education center is divided into four sections - Credit, Finances, Debt, and Banking. Each section contains valuable information related to the topic, and from what we researched, there are useful tips and advice on managing your finances successfully.

So if you want to know more about lending and what that process involves, CashUSA will provide a spring of finance knowledge, strengthening your understanding of financial management.

  • Basic eligibility requirements

As long as eligibility criteria are concerned, CashUSA does not require much personal information from its clients. The requirements are simple and quite few, which means that almost any client can be eligible to apply for a loan via this platform. Some of those requirements are:

  • The client must be at least 18 years old
  • Be employed for the past 90 days
  • Be a citizen of the United States
  • Have a valid and active bank account
  • Provide a personal email and telephone number

Note that these are the requirements that CashUSA will require when you apply for a loan, but depending on the lender, you may need to provide more information concerning your financial situation.

⇒ Visit the Official Website of CashUSA


  • Trustworthy money lending platform
  • A highly informative educational section
  • Get approved for a loan of up to $10.000
  • Competitive interest rates
  • Safe and secure money lender that does not waste your time
  • Basic eligibility requirements
  • Easy and flexible loan repayment methods
  • Very good customer support


  • Could use a better website design
  • Only available for citizens of the US

#5. Personal Loans: Borrow Money Instantly From Top Personal Loans Lender

Personal Loans is the final money lending platform we wish to tell you about in this article. It was established in 2001 and is one of the oldest money-borrowing platforms dedicated to personal loans.

Being one of the oldest money lending middlemen, Personal Loans also provides larger loan amounts that reach up to $35.000. Considering that personal loans are short-term loans, which is quite an enticing sum.

With so many years of experience, Personal Loans is also a member of OLA, making it a certified and trusted lending platform with many loyal clients. The platform has convinced us of its dedication and hard work toward client satisfaction, which is why we decided to include it in our article.


  • Higher chances of approval and higher loan amounts

Besides personal loans, this platform offers a range of other loan types which will suit almost any client’s needs. Even before you apply for a loan and enter your personal information, you will need to choose a reason for which you need that loan. This makes it easier for Personal Loans to select dedicated lenders for your current financial situation.

In terms of loan amounts, Personal Loans is the platform that probably offers access to the highest loan amount lenders in the U.S. However, the highest loan amounts are mostly approved for clients with good credit scores. Bad credit score clients should not expect to receive the highest possible lending amount.

  • Comprehensible lenders

The platform collaborates with lenders and lending companies that offer comprehensible terms. This means that the lenders understand the client's emergency and try not to impose harsh terms and obligations upon them.

If, on the other hand, you cannot repay the loan on the predetermined date, you can contact the lender, and they will extend the repayment period, giving you additional time. With this, they will help you avoid paying more money in penalties, which is another sign that the lenders in the Personal Loans network understand their clients' problems.

Click here to visit the official website of Personal Loans


  • Free-to-use service
  • Fast and direct funding on your bank account
  • Loan amounts that range from $1000 to $35.000
  • A dedicated platform for emergency personal loans
  • A wide network of lenders that provide competitive rates
  • Secure and encrypted application process using advanced data encryption
  • Service available 24/7
  • Very well-designed website
  • Member of OLA


  • Higher loan amounts may only be approved for clients with good credit scores
  • Not available for non-US citizens

Wrapping Up On Choosing The Best Online Lender Offering Emergency Loans For Bad Credit

With the incredible technological advancements of today, it is so convenient to do almost anything that simply seems unbelievable. You can easily manipulate even the most valuable items like money and funds since they can be transformed into electronic assets like credit card cash advances and bank accounts.

Money lending has also become easier for many people, especially short-term loans from private personal loan lenders, since they can conveniently borrow emergency loans for bad credit from their homes or offices.

Considering all those modern-day advantages, we hope this article has proven helpful to you in better understanding how these platforms operate. Being able to borrow money immediately and simply is the way of the world today, so why not use one of these services while also being knowledgeable about their benefits and risks.

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