Top 5 Best Emergency Loans For Bad Credit | No Credit Check | Emergency Urgent Cash Immediately (2022)

When it comes to finding the best emergency loans on the market, there's no doubt that there are a few market leaders to choose from. Emergency loans are the go-to for many cash-strapped Americans who need small amounts of cash in a hurry.

Using the right loan-finder will ensure you snag the best emergency loans available to you, and those emergency loans online help you regain your financial feet. Below we present our editor's pick of the top five providers of emergency loans in the US.

Best Emergency Loans For Bad Credit

Best Emergency Same Day Loans with Guranteed Approval 2022

1. Viva Payday Loans – Overall Best for Emergency Same Day Loans

Viva Payday Loans is a loan-finder service that offers exceptional customer services and loan products. The platform is easy to use, and the available emergency loans range from $100 to $5000 with 3 and 24-month repayment periods. Interest attached to loans via Viva Payday Loans ranges from 5.99% to 35.99%. Borrowers are expected to provide their personal particulars to apply, including the likes of their full name and surname, banking information, employment details, and a full list of monthly expenses. Submit the data via the online application form, and you will receive feedback two minutes later. 

Notably, the process takes about an hour from start to finish with Viva Payday Loans. Just one hour to get cash in your account is a sure bargain if you're shopping around for the best emergency loans on the market.

Eligibility Requirements of Emergency Loans for Bad Credit

  • $1000+ per month
  • 18 years or older or apply
  • USA bank account with direct deposit

Pros of Emergency Same Day Loans

  • Approved loans paid out in 60 minutes
  • Low FICO borrowers welcome
  • Loan amounts and terms are flexible

Cons of Pandemic Emergency Loans For Bad Credit

  • Expensive interest.

Click Here to Request Funds Online Now

2. Low Credit Finance – Best for Pandemic Emergency Loans For Bad Credit

A quick payout is the focus of many borrowers applying for same day emergency loans online. For some, emergency personal loans are a last resort, while for others, it's a viable alternative to bank loans with red tape and lengthy approval processes. Low Credit Finance has a reputation for approving same-day payouts when borrowers meet the criteria and have all their supporting documents handy. In such cases, it only takes one hour for a loan to be paid out.  

But there's more to Low Credit Finance than just being speedy. This loan-finder connects borrowers with lenders offering emergency loans online that range from $100 to $5000 with interest of 5.99% to 35.99%. 

When using Low Credit Finance, you will find the application process is quick and easy. The supporting documents you will require during the emergency same day loans application process include a copy of your ID, your last three payslips, a copy of your previous three bank statements, and proof of address. While you cannot get emergency loans no credit check at Low Credit Finance due to regulatory compliance, they offer loans that are easy to apply for. In addition, even after a credit check, the platform is known to match borrowers with lenders offering emergency same day loans bad credit, specifically for those with a less than perfect credit score.

Eligibility Requirements of Emergency Loans No Credit Check

  • $1000 per month income
  • 18 years or older or apply
  • USA bank account with direct deposit

Pros of Emergency Loans Bad Credit

  • Approved loans paid out in 60 minutes
  • Low FICO borrowers welcome
  • Loan amounts and terms are flexible

Cons of Emergency Loans Online

  • Expensive interest.

Click Here to Request Funds Online Now

3. Big Buck Loans – Best for Emergency Loans No Credit Check

When finding a loan-finder that works with low credit borrowers and offers emergency bad credit loans, Big Buck Loans should be on the top of your list of options. Big Buck Loans offers multiple options for emergency loans online, starting from as low as $100 to climbing as high as $5000, with 3 to 24 months to pay and an average interest rate of 5.99% to 35.99%. All that's required to apply for emergency bad credit loans is a few minutes to complete the online application. Then, within minutes you will know if a lender can assist you.

Eligibility Criteria of Same Day Emergency Loans

  • Earn at least $1000 p/m
  • Pass an affordability assessment
  • Be at least 18 years old to apply

Pros of Emergency Loans With No Job

  • Bad credit borrowers welcome
  • Quick payouts on approved loans
  • Flexible loan amounts and terms

Cons of Emergency Same Day Loans Bad Credit

  • Expensive interest of up to 35.99%.

Click Here to Request Funds Online Now

4. Heart Paydays – Best for Emergency Loans Bad Credit

Heart Paydays stands out because of its reputation for processing emergency loans quickly and having exceptional options for emergency loans for bad credit. Because of regulatory compliance, Heart Paydays doesn't offer emergency loans no credit check, but they do have some simple options available for those looking for the best alternative. The loans available via Heart Paydays range from $100 to $5000 with 3 to 24 months to pay and interest ranging from 5.99% to 35.99%. 

Heart Paydays is a go-to for many Americans because they offer emergency loans for unemployed individuals, where borrowers must prove that they earn at least $1000 per month through alternative income streams. You can use your tax returns or bank statements as evidence. So if you're self-employed, a freelancer, or earn your income through dividends, trust payments, royalties, or similar, you're still eligible for emergency loans with no job via the Heart Paydays platform.

Eligibility Requirements of Emergency Cash Loans

  • Minimum of 18 years old to apply
  • Access to a USA bank account with direct deposit
  • Minimum earning of $1000 per month (or $250 per week)

Pros of Emergency Personal Loans

  • 60-minute payout on approved loans
  • Low credit borrowers welcome
  • Very simply online application process

Cons of Bad Credit Emergency Loans

  • Interest up to 35.99%.

Click Here to Request Funds Online Now

5. Viva Payday Loans – Best for Easy Application for Emergency Loans Online

You're in luck if your main focuses are on speed and efficiency when applying for emergency loans! Viva Payday Loans provides emergency loans online that are the epitome of quick and easy. With the help of this loan-finder, you can be matched with a lender offing fantastic alternatives to emergency loans no credit check where credit checks are carried out. Still, loans are granted with other mitigating factors, such as your income to debt ratio and current earnings.

When applying for emergency same day loans bad credit, you will get access to loans that range from $100 to $5000 with up to 2 years to pay. Interest is also pretty standard, starting as low as 5.99% but working up to as high as 35.99%. We couldn't help but notice about Viva Payday Loans that the platform is geared toward helping borrowers of all backgrounds. The loan-finder service offers all kinds of loans, including secured and unsecured emergency personal loans, bad credit emergency loans, same day emergency loans, emergency loans for unemployed people, and more.

Applying for a loan via Viva Payday Loans takes just a few minutes. Simply complete the online application form and wait a few minutes for feedback. If your loan is approved, you can expect to get the cash on the same day.

Eligibility Criteria of Emergency Loans Near Me

  • $1000 per month income
  • Affordability assessment applies
  • Applicants must be over 18

Pros of Emergency Bad Credit Loans

  • Bad credit borrowers welcome
  • Quick loan processing
  • Loans paid out in 60 minutes

Cons of Emergency Loans With Bad Credit

  • Interest of between 5.99% and 35.99%.

Click Here to Request Funds Online Now

What Are The Best Emergency Loans Online & How Do They Work?

Emergency loans are small loans that are paid out as quickly as possible to cover a last-minute expense or emergency that crops up. You can get emergency bad credit loans if you're a low FICO score borrower or need cash right now and don't have time to wait for lengthy approval processes. Finding the right emergency loans online is as simple as using a loan-finder such as the ones mentioned above. You don't waste time making individual applications with each lender. Instead, with a loan-finder site, you complete just one application form to get the cash you need to be paid over in a matter of hours. Most approved emergency same day loans are paid out within 60 minutes. 

When applying for emergency loans for bad credit, interest is added to the principal amount, and the loan plus interest is paid back over the months agreed on in the loan terms. Terms available range from 3 to 24 months on loans of $100 to $5000. You can expect the interest to be between 5.99% and 35.99% on such loans. Of course, you are not obligated to accept a loan presented just because you used the loan-finder service. The loan-finder services offering access to bad credit emergency loans are free of charge to borrowers and come with zero obligation.

How to Apply for Emergency Same Day Loans

To apply for emergency bad credit loans, simply follow the steps below:

Step 1: Choose the Required Loan Amount & Term

Using the sliders and drop-down menus available on the website, go ahead and select the amount you need to borrow. This is between $100 and $5000. Then, select the terms you require (this ranges from 3 to 24 months).

Step 2: Complete the Application for Emergency Personal Loans

Green Dollar Loans, for example, provides a very simple application process. There's an easy emergency loans application form on the website, and you simply need to follow the prompts to complete the form. Details you can expect to provide are your full name and ID, address, banking information, employment particulars, and a list of your monthly expenses. You will also need to provide digital copies of your supporting documents, including your proof of address, a copy of your ID, and your last three bank statements and pay slips.

Step 3: Wait Two Minutes for a Decision

Wait two minutes to receive feedback on your bad credit emergency loans application. Lenders on the panel at Green Dollar Loans, for instance, will immediately indicate if they can assist a borrower or not. If a lender can provide emergency cash loans as required, you will be transferred to their site to complete the loan setup. Keep in mind that Green Dollar Loans and the other featured lenders have no say in the outcome of your loan application.

Step 4: Get Your Loan

While setting up your loan and locking all the terms and conditions in place, the lender will provide you with a loan agreement to read through. Only sign the contract and send it back to the lender when you're comfortable that you understand the terms of the agreement. Once the loan agreement is received, you can expect the cash to hit your bank account within 60 minutes.

Features and Factors to Consider When Applying for Emergency Loans Online


You will find that each loan-finder on our editor's top pick carries an interest rate of 5.99% to 35.99%. In some instances, lenders have hidden fees that you should ask about. These include late and missed payment penalties and fees charged when borrowers wish to settle their loan accounts early.

Loan Amounts and Repayment Options

It’s important to have access to a range of options when choosing the right emergency loans for you. On most loan-finder sites, including Green Dollar Loans, loans range from $100 to $5000 with 3 to 24 months to repay.

Reputation of the Lenders

All borrowers want the peace of mind that they're working with a fair, ethical, and reputable lender. When using a loan-finder service such as Green Dollar Loans, you can expect access to an array of the country's best lenders. And best of all, all operate according to lending regulations set in place.


The beauty of modern lending is that everything can be done online. There's no need to stand in queues, make phone calls, or fax documents. You can complete the application process in an instant, with access to the internet and an internet-connected device. There are no confusing frills or piles of paperwork to complete. Spend a few minutes completing the online application form, and once you hit submit, you should have an outcome within two minutes.

How Did We Select Our Editor’s Pick of Same Day Emergency Loans Online?

When deciding which loan-finder services to feature as our top pick of emergency loans online providers, we looked for the following characteristics in lenders:

  • A simple online application process that doesn’t require a lot of time to complete.
  • Quick feedback on loan applications so that borrowers aren’t kept waiting around for answers.
  • Prompt payouts on approved loans – usually within 60 minutes, at the most 24 hours.
  • Flexible loan amounts and terms on offer.
  • Don’t charge more than 35.99% interest on payday loans.
  • Present eligibility criteria that are simple to adhere to.


Whether you’re shopping around for bad credit emergency loans or same day emergency loans, you can find what you’re looking for through a loan-finder service. After researching each of the loan finder sites in question, we have come to the conclusion that it’s easier to get emergency cash loans online through a loan-finder service than it is for applicants to attempt to apply alone. Loan-finder sites are free for borrowers to use and offer the opportunity of getting the loan you want and need quickly and with minimal red tape involved. If you’re looking for loans between $100 and $5000 with 3 to 24 months to pay, it’s highly recommended to use a loan-finder service online.


What Paperwork is Required to Get Emergency Loans with No Job?

If you’re looking for emergency loans for unemployed individuals, you will find viable options available at Green Dollar Loans and the other loan-finder sites in question. For a successful application to be processed, you must provide your ID, proof of address, banking information, and your latest bank statements or tax returns.

Where Can I Get Emergency Loans No Credit Check?

There is no such thing as no credit check emergency loans because it is a legal requirement for lenders to carry out checks on applicants. Instead of looking for no credit check loans, rather consider the pandemic emergency loans for bad credit or emergency same day loans offered by lenders that are willing to assist borrowers with less than perfect credit scores.

Can I Apply for Pandemic Emergency Loans for Bad Credit if I Only Work Part-Time?

Yes, you can apply for emergency same day loans if you work part-time and earn the minimum income requirement, which is $1000 per month. Whether it's pandemic emergency loans or emergency loans bad credit you're after, you will find what you're looking for when using an online loan-finder service such as Green Dollar Loans.

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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