Emergency loans for bad credit and urgent same day loan approval in September 2022

Borrowers the world over will agree that the best emergency loans are those that are quick and easy to apply for and are approved and paid out without digging too deeply into your credit history. For a long time, those who were in need of the best emergency loans couldn’t get them due to stringent bank lending criteria. But with the rise of online lending, some of the best emergency loans have been readily available in minutes and paid out to even bad credit borrowers or those who don’t have traditional or formal employment.

If you’re searching the market for the best emergency loans to suit your financial position and budget, you’d be better off knowing which loan finders to use and what to expect when applying for emergency loans. Below, you will find our editor’s top pick of the five best emergency loans providers in the US.
Emergency payday loans online - quick overview

1. Viva Payday Loans: Overall best emergency loans
2. Low Credit Finance: Best emergency loans for bad credit
3. Big Buck Loans: Best emergency loans for students
4. Heart Paydays: Best emergency cash loans for unemployed individuals
5. Green Dollar Loans: Best same day emergency loans

Best emergency loans for bad credit in 2022
1. Viva Payday Loans: Overall Best Emergency Loans No Credit Check
If you’re looking for the best the market has to offer when it comes to the best emergency loans online, Viva Payday Loans takes the proverbial cake. This loan-finder provides access to some of the quickest and easiest loans you can get online, and what’s more, is that you don’t have to have an exceptional credit score or formal employment to be eligible.

The best emergency loans readily available on the Viva Payday Loans platform range from $100 to $5000 with 3 to 24 months to pay. Interest comes in at around 5.99% to 35.99%, depending on the borrower.

You’ll find the application process for emergency funds absolutely simple on the Viva Payday Loans website. The form is conveniently located so that borrowers can quickly access it, and once it’s filled in and submitted (which takes just a few minutes), you can expect to wait just two minutes for feedback! If all is in order and the lender approves your loan request, you’ll have access to the best emergency loans online, generally paid out within 60 minutes of approval.

Eligibility Requirements for Emergency Loans

• Applicants must be over 18
• Social security number required
• Proof of earning at least $1000 per month required

Pros of Emergency Loans

• Up to 24 months to pay
• Easy online application
• Deal direct with the lender

Cons of Emergency Loans

• Interest can be as high as 35.99%

2. Low Credit Finance: Emergency Loans for Bad Credit
Living with bad credit can seem like a punishment, especially when you need access to bridging cash and you just can’t get it. Low Credit Finance makes it easy for bad credit borrowers to get their hands on some of the best emergency loans for bad credit in the US.

If you’re hunting for the best emergency loans for bad credit, you can expect to find loans ranging from $100 to $5000 with 3 to 24 months to pay at Low Credit Finance. Accessing such a loan requires just a few minutes. Complete the online application form and wait for feedback! The lending criteria are fairly easy to meet and if you’re in a stable financial position and pass an affordability assessment, you’re likely to be approved for the best emergency loans for bad credit sporting interest rates as low as 5.99% (some lenders charge the max of 35.99%).

Eligibility Requirements for Emergency Loans for Bad Credit

• 18 years old minimum
• $250 per week earning minimum
• Loans only available to legitimate US citizens and residents

Pros of Best Emergency Loans Bad Credit

• Pay off your loan according to your salary/wages schedule (weekly, fortnightly, or monthly)
• Bad credit borrower options
• Flexible loan amounts available for all types of borrowers

Cons of Emergency Loans Bad Credit

• Some applicants are turned away

3. Big Buck Loans: Best Urgent Cash Loans for Students
Being a student can be rough. First, you’re at the mercy of your lectures when it comes to finding time to earn cash. And if you’re receiving an allowance or other means of income, it may not be enough if you wish to buy something expensive or pay for a trip. Thousands of students spend time searching for the best emergency loans for students that are easy to apply for, payout quickly, and don’t punish them for having no credit history.

With Big Buck Loans offering some of the best emergency loans for students available, there’s no need to continue the search. As a student, you must prove that you receive at least $1000 per month or $250 per week, whether that’s from work or an allowance. You’ll get access to loans ranging from $100 to $5000 with 3 to 24 months to pay. Unfortunately, being a student doesn’t exempt you from interest charges, but if you use Big Buck Loans to find the best emergency loans for students for you, you can expect to be offered interest rates ranging from 5.99% to 35.99%.

Eligibility Requirements for Emergency Loans for Students

• Students must be at least 18 years old to apply
• Proof of ID, address, and income is required
• Students must be legitimate residents or citizens of the USA

Pros of Emergency Loans for Students

• Borrowers and lenders deal directly
• Same day disbursement
• Free loan finding service

Cons of Emergency Loans for Students

• High interest rates applied

4. Heart Paydays: Emergency Cash Loans for Unemployed Individuals
Sometimes being self-employed or earning your income through means other than having a formal job can seem like a curse. There’s freedom and innovation at your fingertips, yet while you earn a decent income, local banks and lending institutions make a wide berth around your finance applications.

If you’re not formally employed but earn at least $1000 per month and meet the additional eligibility criteria, you can apply for some of the best emergency loans for unemployed borrowers via the Heart Paydays website.

Heart Paydays makes it quick and easy to apply for the best emergency loans for unemployed individuals online. They provide a convenient online application form that provides feedback on loan requests within minutes. And if all your documents and information are in order, you may receive approval and payout on your loan on the very same day you apply for it!

The best emergency loans for unemployed individuals at Heart Paydays come with interest ranging from 5.99% to 35.99%. You can choose from loan amounts between $100 and $5000 and expect to get 3 to 24 months to pay.

Eligibility Requirements for Emergency Cash Loans for Unemployed People

• Proof of earning at least $1000 per month required
• ID must prove that applicants are at least 18 years old
• You’ll need an active US bank account with direct deposit

Pros of Emergency Cash Loans for Unemployed Individuals

• Online application that takes a few minutes
• No formal employment? No problem!
• Set up a payment schedule that suits your income schedule

Cons of Best Emergency Cash Loans for Unemployed Borrowers

• High interest rates and fees

5. Green Dollar Loans: Best Same Day Emergency Loans
Emergency loans wouldn’t really be emergency loans if they took days or weeks to payout, would they? The reality is that some banks and lending institutions are not in a hurry to provide borrowers with the cash they’re approved for. That’s not the case at Green Dollar Loans. Green Dollar Loans provides borrowers with access to some of the best same day emergency loans on the market. And as you might have guessed, when these loans are approved, they’re paid out on the very same day.

To get access to the best same day emergency loans ranging from $100 to $5000 with 3 to 24 months to pay, you must complete the quick and easy application form on the Green Dollar Loans platform. Interest expected on these loans is anything between 5.99% and 35.99% and the repayment options that can be set in place include weekly, monthly, or fortnightly payments.

Eligibility Requirements for Same Day Emergency Loans

• 18+ to apply
• Legal US citizens/residents only
• Min income of $1k p/m

Pros of Same Day Emergency Loans

• Quick and easy access to cash
• Low FICO scores welcome
• Approved loans paid out within the hour

Cons of Best Same Day Emergency Loans

• High interest rates

What Are Emergency Personal Loans & How Do They Work?
Some of the best emergency personal loans are those that are quick and easy to apply for and can be paid out within 3 to 24 months! To access the best emergency money loans, it’s recommended to use a loan finder. Keep in mind that the amount you apply for will have interest added to it. And if you’ve got the best emergency money loans at your fingertips, interest should not breach 35.99%.

How to Apply for Emergency Money Loans
To apply for the best same day emergency loans, follow these four simple steps:

Step 1: Visit the Loan Finder Site and Select the Amount & Term Required
When visiting any of the abovementioned loan finder sites, you will have the option to select the amount you need and how many months are required to repay the amount.

Step 2: Input Your Details in the Online Form
The online application form must be completed in order to process the request for best online emergency loans. Complete the form by following the prompts and submit it.

Step 3: Get Feedback & Make a Decision
Loan requests typically receive feedback within a few minutes. If a lender can provide the best emergency loans for bad credit, it will be indicated, and you can decide if you wish to go ahead or not. If you do go ahead, you’ll finalize the details with the lender directly.

Step 4: Receive a Loan Contract & Get the Cash
Even the best emergency loans for bad credit come with a contract to protect both parties. The lender will send one to you, and you’re expected to read it carefully before signing it and sending it back to the lender. On receipt of the signed contract, the lender will release the funds.

Best Online Payday Loans Direct Lender: Features & Factors to Consider
Amounts Available for Best Emergency Personal Loans
You’ll have the option to choose how much you want, ranging from $100 to $5000. Choose a loan amount you can realistically afford to repay.

Disbursement of Funds for Best Online Emergency Loans
When choosing a lender, always enquire how quickly you’ll receive the funds. The lenders on the loan finder panels we’ve reviewed typically pay out on the same day or within 60 minutes.

Overall Cost of the Emergency Loans
Always consider the interest rate offered, as this will impact what you pay monthly. Interest typically ranges from 5.99% to 35.99%.

How Did We Choose the Same Day Emergency Loans?
We looked for loan finders with:

• A simple-to-follow application process
• A panel of lenders that’s reputable and reliable
• Loan options for all kinds of borrowers

Conclusion
After checking out each loan provider, it’s our opinion that a loan finder such as Viva Payday Loans (or similar) can simplify the loan application process and make sure that borrowers are put in touch with the right lenders.

FAQ’s
How Big Are Online Emergency Loans?
How much you can get depends on your credit history and current financial situation. For the most part, the best emergency loans online range from $100 to $5000.

Can I Get Emergency Loans if I am a Student?
Yes, online providers offer some of the best emergency cash loans for unemployed people and the best emergency loans for students. Visit Viva Payday Loans or any of the loan finders reviewed above.

What is the Best Recommendation for a Same Day Emergency Loans Online?
If you’re looking for the best recommendation for a same day emergency loans online, you should pay a visit to Viva Payday Loans, Low Credit Finance, Big Buck Loans, Heart Paydays, or Green Dollar Loans.

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.