When your child breaks an arm, the car breaks down, or you need to rush off to another state to attend a family funeral, from where do the funds materialize? Many Americans wonder the same thing! And that’s why the emergency loans industry is thriving. Despite the high cost of emergency loans, it’s undeniable that they help millions of people make ends meet every month. 

You may feel overwhelmed if you’re in the market for emergency loans for whatever reason and aren’t sure which provider is right for you. And that’s where we come in! We wanted to know where the average American can find the ideal emergency loans and even emergency loans for bad credit. Our editor’s top pick is featured below

Best Emergency Loans Online – Quick Overview 

  1. Viva Payday Loans: Overall Best for Emergency Loans 
  2. Low Credit Finance: Best for Emergency Loans for Bad Credit
  3. Big Buck Loans: Best for Emergency Same Day Loans
  4. Heart Paydays: Best for Emergency Loans No Credit Check with no Job
  5. Green Dollar Loans: Best for fast turnaround on Emergency Loans Online 

Best Emergency Loans Online For Quick Cash in 2022 

1. Viva Payday Loans: Overall Best for Emergency Loans

When it comes to processing and paying out emergency loans in record time, Viva Payday Loans is our top pick. This is because the platform is easy-to-use, efficient, and delivers on its promises.  

Within a few moments, you can process an application for emergency loans via Viva Payday Loans. There’s no time-wasting involved whatsoever. The application form requires the loan amount and term needed and then prompts the borrower for basic personal information required to process the loan. Once the form is submitted, there’s just enough time to make a cup of coffee before you hear if a lender can assist you. If it’s a go-ahead, the rest of the process is managed directly with the lender. 

Emergency loans come in all shapes and sizes, with Viva Payday Loans focusing on amounts between $100 and $5000 with 3 to 24 months to pay. Interest, the downside of applying for emergency loans online, is high but not crazy! You can expect to pay between 5.99% and 35.99%.

Eligibility Requirements for Emergency Loans

  • 18 years of age is the minimum requirement
  • You’re only eligible if you earn $1k per month or more
  • You cannot apply without a valid social security number

Pros of Emergency Loans with Viva Payday Loans

  • Loan options are available for unemployed individuals
  • Bad credit borrowers are welcome to apply
  • If your loan is approved, it will be paid out on the same day

Cons of Emergency Loans via Viva Payday Loans

  • Not all applications are approved.

Click Here to Get a Emergency Loans for Bad Credit Today >>

2. Low Credit Finance: Best for Emergency Loans for Bad Credit

If you’ve got bad credit, you probably spend more time trying to find innovative ways to make extra cash than you do applying for emergency loans. And that’s because most bad-credit borrowers wrongly assume that there is no such thing as emergency loans for bad credit. 

That’s where Low Credit Finance steals the limelight! The platform’s emergency same day loans bad credit are designed for those with a less than stellar credit score. This doesn’t mean that they’re irresponsible with loan approvals, but they are well-reputed for putting borrowers in touch with lenders most likely to assist low-credit and no-credit borrowers with same day emergency loans approvals and payouts. 

Of course, you can’t expect to get super high emergency loans for bad credit borrowers online. At the end of the day, it’s still a risky business for the lender, but you can get low loan amounts with average interest rates in the industry. 

Emergency same day loans bad credit available via the Low Credit Finance platform start from as low as $100 – which is great for those who need a few extra bucks to make it through the month. That said, they go as high as $5000 for those with a more serious emergency requiring more money to fund. Interest, which is unavoidable, can range from 5.99% to 35.99%.

Eligibility Requirements for Emergency Same Day Loans Bad Credit

  • Valid social security number required
  • Only apply if you’re 18 or older
  • Minimum earning essential (set at $1k per month)
  • Same day emergency loans payouts

Pros of Emergency Same Day Loans Bad Credit

  • Plenty of options for bad credit borrowers
  • Money paid on the same day as the loan is approved
  • Flexible repayment terms and schedule options (weekly, fortnightly, monthly)

Cons of Emergency Same Day Loans Bad Credit

  • For some, interest can go as high as 35.99%.

Click Here to Get a Emergency Loans for Bad Credit Today >>

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

One thing we noticed about the way Big Buck Loans operates is that they eliminate everything negative you thought you knew about online loans. There are no overwhelmingly strict criteria to meet, you won’t spend any time pacing up and down or biting your nails waiting for feedback, and once a loan is approved, the process moves pretty quickly towards the payout. What’s on offer at Big Buck Loans is the epitome of emergency same day loans. 

After completing the online application form, borrowers wait just two minutes to get feedback. If a lender can provide the emergency same day loans they’re after; it will be indicated. Then, it’s simply a case of finalizing the loan with the direct lender. You may think that same day loans are limited to puny amounts, but that’s not the case with Big Buck Loans (it’s in the name!). You can borrow any amount from $100 to $5000 and expect between 3 and 24 months to pay. 

Interest – the topic nobody likes to think about – comes in at a pretty average rate, ranging from 5.99% to 35.99%. While lenders determine the interest rate they extend to borrowers, it should be noted that there’s nothing wrong with trying to negotiate a lower rate with the emergency same day loans provider.

Eligibility Criteria for Emergency Same Day Loans

  • 18+ years old
  • Income of $1000 per month
  • Proof of income, address, and ID essential
  • Pass an affordability assessment

Pros of Emergency Same Day Loans via Big Buck Loans

  • Free service
  • Get paid within an hour of approval
  • Easy application process

Cons of Emergency Same Day Loans

  • Interest may be high.

Click Here to Get a Emergency Loans for Bad Credit Today >>

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

If you’ve got bad credit or don’t have a formal job, you may think you’re out of luck when it comes to getting emergency loans, but the reality is quite the opposite. Unemployed individuals and bad credit borrowers earning at least $1000 per month and meeting the other criteria are welcome to apply for loans.


Heart Paydays is a loan-finder with a reputation for helping those who have previously struggled to get credit and loans. Their emergency loans no credit check are ideal for those who need cash in a hurry and don’t want to (or have previously failed at) approach the local bank for assistance. Heart Paydays’ emergency same day loans range from $100 to $5000 with up to two years to pay. And if you’re worried about interest, you can expect it to be high, but generally not higher than 35.99%. 

As a bad credit or unemployed borrower, you will need to prove that you can afford the loan and that you earn the required minimum income. If you’re not formally employed, you can use your bank statements and/or tax returns for this.

All lenders on the Heart Paydays panel are committed to ethical and responsible lending. The loans on offer can be applied for in a matter of minutes, and in the true nature of emergency same day loans, approved loans are paid out within 15 to 60 minutes. 

Eligibility Requirements for Emergency Same Day Loans

  • Applicants must be 18 to apply
  • An active US bank account with direct deposit is required
  • $1000+ income limit p/m

Pros of Emergency Same Day Loans

  • Direct debits set up weekly, fortnightly, or monthly
  • Loan offers based on your current financial position
  • Get a loan approved and paid within an hour

Cons of Emergency Same Day Loans

  • High interest of up to 35.99%.

Click Here to Get a Emergency Loans for Bad Credit Today >>

5. Green Dollar Loans: Best for Fast Turnaround on Emergency Loans Online

If there’s a genuine emergency at play, there’s really no time to waste when trying to gather the funds to cater to the situation. Speedy loan processing and actual emergency loans online are sure to be on the top of your list of priorities. 

Green Dollar Loans is not your average loan finder. Instead, they offer a free service, connecting borrowers with lenders most likely to approve their request and get the cash paid into their account within 15 to 60 minutes of the loan approval. 

Of course, getting loans quickly applied for and paid out is one thing, but it’s not too helpful if the amount you’re offered is too small. Borrowers are usually delighted to find that Green Dollar Loans’ emergency loans online range from $100 to $5000 with 3 to 24 months to pay. While Green Dollar Loans is exceptional, they cannot help you avoid interest, which is charged at the discretion of the lender. This typically ranges from 5.99% to 35.99%. 

If you’re looking for the quickest way to get your hands on emergency loans online with no faxing, no calling, and no physical paperwork, Green Dollar Loans is the place to go.

Eligibility Requirements of Emergency Loans Online

  • Age limit to apply: 18 years
  • Income minimum to apply: $1000 per month
  • Supporting documents required: proof of address, proof of income, proof of ID

Pros of Emergency Loans Online

  • Speedy loan processing
  • Zero time wasting – everything is done online
  • No-credit, low-credit, and non-traditionally employed welcome

Cons of Emergency Loans Online 

  • Can get expensive with interest up to 35.99%

Click Here to Get a Emergency Loans for Bad Credit Today >>

What Are Emergency Loans No Credit Check & How do They Work? 

Emergency loans no credit check, emergency loans bad credit, emergency loans with no job, and even tax refund cash advance emergency loans 2022 all have one thing in common: they work the same! Each of these loan options, available via the loan-finders we’ve reviewed above, is quick and easy to apply for online. 

All these emergency loans work on a very basic loan principal. This is where the borrower completes a super quick online application form; the system provides feedback and forwards them to the most suitable borrower. If the loan is approved, interest is added to the total amount requested. The amount is then divided by the number of months agreed on in the loan terms. However, it’s important to note that there may be additional fees when acquiring emergency loans bad credit. It’s, therefore, imperative to read through your loan contract before signing it.

How to Apply for Emergency Personal Loans

There are four quick and easy steps to follow to apply for emergency personal loans and emergency bad credit loans:

Step 1: Indicate Your Loan Amount & Term Requirements  

You can borrow between $100 and $5000 and pay it off over 3 to 24 months, even if you’re applying for emergency loans with bad credit. Use the platform selection tools to indicate what you need. 

Step 2: Access the Digital Application Form & Complete it

Want to go ahead with applying for emergency bad credit loans? Great! Click on “Get Started” or “Apply Now,” depending on which loan platform you’re on. The application form will pop up and provide simple-to-follow prompts to help you complete it with all the relevant information.

Step 3: Grab a Cup of Coffee While the Automated System Provides Feedback

Two minutes is all it takes to get feedback on your loan request. That’s the thing about emergency loans – they’re quick! If a lender can help, you will be transferred to them to complete the process and lock in the finer details of your agreement.

Step 4: Receive the Contract – Read it, Sign it, Expect the Cash!

A contract will be extended to you from the lender. Read every clause on every page. Then, if you understand the agreement and are happy to go ahead, sign it and send it back to the lender. The cash will be paid into your account on the same day!

Emergency Loans with Bad Credit Features & Factors to Consider 

Total Amount of Emergency Loans Near Me

When hunting for emergency loans near me, you’re bound to find a variety of seemingly good options. Look for a loans provider that offers a variety of loan amounts and terms that will allow you to pay back your loan without putting undue pressure on your budget. 

How Bad Credit Emergency Loans are Paid Out

Whether you’re applying for emergency student loans, pandemic emergency loans for bad credit, or stock-standard emergency same day loans, one of the most important factors is undoubtedly how quickly the loans are paid out once approved. If you have an emergency to pay for, you probably won’t have much time to play with, and should seek out a provider offering a quick turnaround on bad credit emergency loans.

Costs of Emergency Cash Loans

Interest will increase the total cost of your loan. This can be any amount from 5.99% to 35.99%. 

How Did We Choose Emergency Cash Loans Providers?

Our editor’s pick of top emergency personal loans providers offers the public:

  • A simple process for getting emergency funds in a hurry
  • A discreet borrowing option for those with bad credit, non-traditional income formats, or no credit at all
  • Financial aid to those experiencing financial struggles due to the pandemic
  • Flexible loan amounts and terms

Conclusion 

Emergency same day loans are easier to find and apply for with the help of a loan-finder. Our editor’s pick of the top five providers of emergency loans have reputations for linking borrowers with lenders most likely to assist them. 

FAQ’s 

How Fast Can I Get an Emergency Loan?

With the help of a loan-finder such as Viva Payday Loans or similar, you can apply for emergency loans today, and if approved, they can be paid out within an hour.

How to Get an Emergency Loan with No Job? Is there Such a Thing as Emergency Loans for Unemployed Individuals?


Emergency loans for unemployed individuals are best acquired through a loan-finder site. Emergency loans with no job will still require you to show that you earn at least $1000 per month through alternative means. Acceptable alternative incomes to get emergency loans with no job include rental property funds, dividends, and even freelance work. If you’re unemployed because you’re a student, you can apply for emergency student loans, but you will have to show some form of part-time income, an allowance, a trust fund payment, or similar. 

How do Tax Refund Cash Advance Emergency Loans 2022 Work?

If you’re expecting a tax refund in the near future, you can acquire emergency loans by using the upcoming tax refund as security. When the tax refund is paid, the loan amount is automatically deducted. 

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.