When cash is tight, and you need to get a few extra dollars in a hurry, your best bet is to seek out emergency loans or providers of urgent loans online. While it may have been hard to acquire urgent loans for bad credit in the past, nowadays, it’s as simple as completing a quick and easy emergency loans for bad credit application online. Even if you’re looking for a provider of tax refund cash advance emergency loans 2022, you’ll find them pretty easy to locate and apply for online. Emergency same day loans cut out the nail biting and pacing that often follows a bad credit loan application.
Instead, emergency loans and urgent loans applied for through a loan-finder will provide feedback within 2 minutes. Borrowers looking for pandemic emergency loans for bad credit and even emergency loans no credit check will find that loan-finders are their best bet. Keep in mind that emergency loans no credit check aren’t possible, but you will find a number of alternatives in the form of affordable and convenient emergency loans online that offer similar benefits.
While there is a multitude of providers of same day emergency loans online, we took it upon ourselves to create our editor’s pick of the top five providers of emergency personal loans to consider. See our top pick of urgent loans no credit check alternatives below:
Best Urgent Loans – Quick Overview of Emergency Loans in 2022
- Heart Paydays: Best Overall for Urgent Loans for Bad Credit with 100% Online Application
- Big Buck Loans: Best for Emergency Loans for Bad Credit with 2-Minute Feedback
- Viva Payday Loans: Best Overall for Tax Refund Cash Advance Emergency Loans 2022 up to $5000
- Green Dollar Loans: Best for Emergency Same Day Loans for Unemployed Individuals
- Low Credit Finance: Best for Pandemic Emergency Loans for Bad Credit with Low APR
Best Emergency Loans & Urgent Loans From USA in December 2022
#1. Heart Paydays: Best Overall for Urgent Loans for Bad Credit with 100% Online Application
Highlights of Urgent Loans for Bad Credit with 100% Online Application
- Swift applications
- Fast access to cash
- Super-fast approval process
- Loans for bad credit and unemployed
- Flexible range of loan amounts
Bad credit is simply no problem when applying for urgent loans for bad credit via the Heart Paydays website. Here you will find that bad credit borrowers can get urgent loans for bad credit up to $5000! Of course, if you’re looking for a smaller amount as bridging cash, the options start as low as $100 with interest rates that average from 5.99% to 35.99%. Lenders will also help you manage your payments by setting up weekly, fortnightly or monthly debits according to your pay schedule. One of the features we liked most about Heart Paydays is that their entire application process is online.
Eligibility Criteria for 100% Online Urgent Loans for Bad Credit
- 18+ to apply
- Min income set at $1000 per month
- ID required along with proof of address and income
#2. Big Buck Loans: Best for Emergency Loans for Bad Credit with 2-Minute Feedback
Highlights of Emergency Loans for Bad Credit with 2-Minute Feedback
- Hassle-free application process
- Low APRs
- Bad credit options available
- Flexible loan terms
- Get up to $5000
Emergency loans for bad credit couldn’t be easier to get than via the Big Buck Loans platform. You will find a quick and easy online form to fill out and once submitted, you’ll get feedback within 2 minutes. Emergency loans for bad credit on the Big Buck Loans website range from $100 to $5000 with 3 to 24 months to pay. You’ll find that the application takes moments and when approved, the amount requested will be paid out swiftly. Interest can get as high as 35.99%, but most lenders try to keep it as low as possible, starting from 5.99%.
Eligibility Criteria to Apply for Emergency Loans for Bad Credit via Big Buck Loans
- Must earn $1k+ per month
- Must be at least 18 to apply
- Only US citizens and residents
#3. Viva Payday Loans: Best Overall for Tax Refund Cash Advance Emergency Loans 2022 up to $5000
Highlights of Tax Refund Cash Advance Emergency Loans 2022 up to $5000
- Loans range from $100 to $5000
- You can pay your loan back comfortably (up to 2 years)
- Interest starts at 5.99%
- Feedback on loans provided in 2 minutes
- No payslip required
If you’re expecting to get a tax refund but don’t have time to wait for the payout, you can use your tax refund as proof of funds to repay your requested loan. Many lenders offer tax refund cash advance emergency loans 2022 to unemployed and even bad credit borrowers. Affordability assessments, of course, apply. This involves comparing your income and expenses. You’ll have access to tax refund cash advance emergency loans 2022 up to $5000 with 3 to 24 months to pay from Viva Payday Loans. You can also expect interest to range from 5.99% to 35.99%.
Eligibility Criteria to Apply for Tax Refund Cash Advance Emergency Loans 2022
- 18+ to apply
- ID and proof of address required
- Have a US-bank account and be earning at least $1k per month
#4. Green Dollar Loans: Best for Emergency Same Day Loans for Unemployed Individuals
Highlights of Emergency Same Day Loans for Unemployed Individuals
- Flexible loan amounts to suit all budgets and needs
- As much as 2 years to repay certain loans
- Transparent loan contracts
- Payments can be weekly, fortnightly, or monthly
- Interest doesn’t exceed 35.99%
If you’re looking for emergency same day loans for those who aren’t formally employed but still earn at least $1000 per month, Green Dollar Loans is the best place to go! Emergency same day loans for unemployed individuals range from $100 to $5000 with 3 to 24 months to pay. Once you’ve been connected with a lender most likely to approve your loan, you will deal directly with them. The amount you borrow will determine how much interest you pay, which is between 5.99% and 35.99%.
Eligibility Criteria to Apply for Emergency Same Day Loans for Unemployed Individuals
- Earn $250 per week or $1000 per month
- Be of eligible age (18+)
- Proof of address, proof of income, and a copy of your ID
#5. Low Credit Finance: Best for Pandemic Emergency Loans for Bad Credit with Low APR
Highlights of Pandemic Emergency Loans for Bad Credit with Low APRs
- Interest starts as low as 5.99%
- Loans start as small as $100
- Takes just minutes to apply
- Very speedy loan processing
- Reasonable repayment options
For borrowers looking for a helping hand due to pandemic setbacks, Low Credit Finance is a great platform to choose. Here you will find pandemic emergency loans for bad credit starting as low as just $100. This is ideal for borrowers who only need bridging cash. That said, lenders on the Big Buck Loans panel also offer larger loan amounts of up to $5000. The interest you will be charged typically ranges from 5.99% to 35.99%.
Eligibility Criteria to Apply for Pandemic Emergency Loans for Bad Credit with Low APRs
- No under 18s
- $1k+ per month income
- US-based bank account
Choose from Various Emergency Loans Bad Credit Types
$100 Emergency Loans Bad Credit
For borrowers in need of bridging cash, there are emergency loans bad credit starting from just $100.
No Paperwork Same Day Emergency Loans
Same day emergency loans don’t require paperwork. Yes, you will need to provide supporting documents, but this is done digitally.
Same Day Emergency Loans for Unemployed Individuals
For unemployed individuals, same day emergency loans for unemployed people are readily available online. These loans will require you to prove your income, which is easily done with a copy of your latest bank statements, or your last tax returns.
Low APR Emergency Loans Online
When using the right loan-finder you can expect to access low APRs from 5.99% to 35.99%.
What Are Alternatives to Emergency Loans No Credit Check & How Do They Work?
Emergency loans no credit check aren’t a possibility because lenders are legally required to do credit checks. Viable alternatives to emergency loans no credit check are readily available to bad credit borrowers and include up to 35.99% interest. The total amount is split between 3 to 24 months (depending on the loan size), interest is added, and then the borrower pays back a fixed monthly installment each month.
Apply for Alternatives to Emergency Loans No Credit in 4 Simple Steps
We found that applying for alternatives to emergency loans no credit check via Heart Paydays is quick and easy. Simply follow these four steps:
Step 1: Select the Emergency Loans with No Job Amount Required
You can select the required emergency loans with no job amount between $100 and $5000 and expect to get 3 to 24 months to pay, depending on the loan size.
Step 2: Access the Application form to Apply for Emergency Loans with No Job, or with Formal Employment
Whether you’re applying for emergency loans with no job or have formal employment and need emergency cash, you’ll access the same form and simply follow the prompts to complete it.
Step 3: The Automated System Provides Feedback on Emergency Same Day Loans Bad Credit Within 2 Minutes
You’ll hear almost instantly if you can get emergency same day loans bad credit. Thereafter, you’ll deal directly with the lender to set a loan contract in place. Always read through the loan contract carefully.
Step 4: Approved Emergency Same Day Loans Bad Credit Are Paid Out Speedily
Once the lender receives your signed copy of the loan agreement, you can expect them to pay out the approved amount pretty quickly.
Features & Factors of Emergency Loans for Unemployed
Interest Charged on Emergency Loans for Unemployed Individuals
There is always an interest amount charged on emergency loans for unemployed individuals and because of the risk to the lender this is typically higher than a standard bank loan’s APR. Interest ranges from 5.99% to 35.99%.
Flexible Emergency Personal Loans – Choose Your Amount
Emergency personal loans start from $100 but you can borrow as much as $5000 if you meet the qualifying criteria.
Get Up to 2 Years to Repay Emergency Personal Loans
Emergency personal loans can be paid in 3 to 24 months.
Income vs. Expenses Assessments for Emergency Cash Loans
Lenders will compare your income and expenses before determining if you’re eligible for emergency cash loans.
Choosing Providers of Emergency Cash Loans – What We Looked For
When hunting the market for the top five providers of emergency cash loans, we looked for loan-finders and borrowers offering:
- Viable alternatives to urgent loans no credit check
- Fast loan processing and payouts
- Options for unemployed borrowers
- Small loans for bridging cash
- Larger loan amounts for big ticket expenses (up to $5000)
If you’re looking for a loan-finder service that will offer you same day service and access to some of the best lenders offering emergency loans and urgent loans in the US, head on over to the Heart Paydays website and check out what they do.
Where Can I Borrow Money Instantly?
While no emergency loans or urgent loans can be truly instant because checks will always apply, you can expect the speediest possible service when using a loan-finder site. That’s because platforms, such as Heart Paydays simplify the application process and also put borrowers in direct contact with lenders most likely to assist them.
How to Get an Emergency Loan with No Job?
If you have zero form of income, you won’t be able to apply for an emergency loan. That said, you don’t have to be formally employed to apply for emergency or urgent loans. Instead, you have to prove that you generate $1000+ per month. That can be through any means such as freelancing, contracting, buying and selling, renting property or similar.
Can You Get an Emergency Loan with No Credit Check?
No, you can’t. All lenders are required to carry out credit checks, even if they intend to provide finance to someone who has bad credit. Your best bet at finding viable alternatives to emergency loans with no credit check is to use a loan finder service such as Heart Paydays.
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.