When you come across any financial problem, you may need the money really fast. Emergency Loans may become a good choice for quick funds. Consider Emergency Payday loans and other alternative cash loan solutions.  You can use the money to cover any urgent expenses like home and car repairs, medical bills, etc. Apply online now to get a fast loan from the best direct lenders.

Ad

Loans for ANY NEEDS
APR from 4.99%

Table of Contents:

How emergency loans work?

Why choose emergency loans online?

How do I apply for emergency loans online?

Emergency loans for bad credit, or no credit 

Emergency Loans No credit check

Emergency Cash Loans - compare the options:

Best online emergency loans direct lenders

Ad

Loans for ANY NEEDS
APR from 4.99%

How online emergency loans work?

The process of getting emergency loans online is very fast and simple, usually consisting of just 3 easy steps:

  1. You apply online and may expect approval in just a few minutes if you meet the lender's requirements.
  2. You choose the loan amount, check your rates and terms. You can apply for a $100 Loan, or any other amount, like a $600 Loan, or  $1,000 Loan for any emergency depending on the state regulations. 
  3. Get emergency funding as soon as possible. The money can be deposited into your bank account even the same day.

You don't need to visit the office of the lending company personally, and the decision is made in a few minutes. Also, no hard credit check is done and applying for the loan does not appear in credit history, even in the event of a refusal. To compensate for their risks, companies providing online emergency loans may set higher interest rates. Most are limited to 36%. Users with a good credit history can count on 4.99 - 28.99% APR.

Need an emergency loan NOW?

Why choose emergency loans online?

The advantages of online emergency loans for quick financial assistance are apparent:

  • Borrowers do not need to go to the bank office and wait for a decision within a few days. You can fill out an application without leaving your home from a PC or smartphone. You get a response within a few hours, so there is a chance to collect money on the same day that the application was submitted.
  • Checking your credit history is not as thorough and lengthy as in ordinary banks. It does not mean that anyone can get the money. The applicant will be asked to upload in a particular form on the selected site, the last four digits of his social security number, and identification and income confirmation form (payment receipt or W-2). Any format is suitable, including PDF, scan copies, photos from a smartphone, or a screenshot.
  • You can get emergency loans even if you are unemployed.
  • You can check your rates, prequalify online and find out your emergency loan terms and conditions, tariffs, and interest rates before applying. It is easy to calculate the amount of available loan and the repayment period on the site using a unique Online Payday loan calculator.

why borrow online

How do I apply for emergency loans online?

  1. Fill out a simple emergency loan application form in a few clicks and submit it.
  2. Wait for the approval decision from direct lenders within several minutes.
  3. Discuss the terms and conditions of your emergency loan and once approved get fast funding into your bank account same day in most cases.

To get fast financial assistance, you need to meet simple criteria:

  • Be a US citizen (sometimes of a particular state) over 18 years of age (a must).
  • Have an active bank account.
  • Have a good credit history (desirable, but not necessary).online loans requirements

If you meet the requirements, you have a 99% chance to get guaranteed instant approval and instant online loans same day.

Emergency Loans for Bad credit, or no credit 

Bad credit history or its absence is not a 100% guarantee that you will be refused a loan. Millions of Americans get approved for an emergency loan with bad credit every year. Direct lenders offering quick loans pay more attention to your ability to pay back your money, not your credit score. If you can prove that you have a stable income and a good employment history, you are very likely to get emergency loans online.

Read more:

Emergency Loans with no credit check

Direct lenders that provide emergency loans usually avoid hard credit checks, require no faxing, no paperwork, so that you could get the cash advance as fast as possible.

They may do a soft inquiry of your credit report. No-credit-check emergency loans are characterized by high interest rates and additional fees that make the loan rather expensive.  

You can consider cheaper alternatives to emergency payday loans. However, you need to be careful and check all the options of quick funding before applying for fr bad credit emergency loans.

Emergency Cash Loans - compare the options

Emergency Payday Loans 

Payday loans online are the fastest and easiest way to get financing in any emergency situation. They are issued to borrowers with little or no credit history, and are available even for low credit but at high interest rates. The repayment period varies from two weeks to one month. The amount of assistance is usually limited to $1000. For new customers, the average limit is $255 Loan up to $500 Payday Loan.

Payday loans also usually provide amounts up to $1000, sometimes you can count on $2000 emergency Installment Loans. The interest rate for these offers is lower and is calculated individually for each borrower.

Personal Loans for quick funding 

Large Personal loans available for bad credit and with no collateral are typically limited to $35,000. If the client has provided a security deposit, the amount may be increases. Payments on such loans are usually made twice or once a month in equal installments. The customer can choose the most affordable terms based on their capabilities.

Compare the top direct lenders offering emergency Personal Loans:

LendYou will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Pros
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collateral or guarantor.
  • Bad credit is OK. 
Cons
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 

 

Check Into Cash offers Payday Loans, Title Loans, Personal Installment Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $50
  • MAX Loan Amount: $3000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Online Payday Loans
  • Title Loans
  • Installment Loans
  • Online Installment Loans
  • Line of Credit
  • Flex Loans
  • Other Services
  • Check Cashing
  • Bill Pay
  • Western Union 
  • U.S. Money Card
  • Cell Phone Top-Ups
  • Sell Us Your Gift Cards For Cash
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $50.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

Instant Loans USA will help you get the cash you need when you need it. You can apply for Payday Loans, or Personal Loans online. Choose the best rates and terms and get the same-day financing.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
Read Full Review
  • $100 - $1000 Payday Loans
  • $5,000 - $35,000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Pros
  • High loan amounts up to $35,000. 
  • Minimal basic requirements.
  • No collateral or co-signer.
  • Bad credit is OK. 
Cons
  • High interest rates.

 

Greenlight Cash created an online platform to connect consumers like you with reliable lenders across the country. They partner with a large network of professionals so you get a chance to work with one of them and meet the challenge of improving your financial situation in the most effective way. Once you tap submit, you get one step closer to receiving the funds.

  • Payday Loans
  • Installment Loans
  • Personal Loans
  • be a legal U.S. resident
  • be at least 18 years old
  • have a stable source of income
  • be currently employed
  • have an active bank account
Pros
  • Unrivaled flexibility and accessibility.
  • Predictable monthly payments

  • Quick and simplified borrowing process

  • Any credit is welcome
Cons
  • Not a direct lender.

 

 

 

Emergency Loans for rent

In case you've found it difficult to pay your rent or mortgage, and are going to be charged late payment fees, short-term emergency loans for rent may be the best solution you turn to. But the high cost can cause even more problems down the road. Instead, you might want to first look into housing assistance programs and other lower-cost alternatives before taking out a payday loan.

Emergency Car Repair Loans

If you urgently need to repair your car, you can apply for Car repair loans are often. This is a type of personal loans either secured or unsecured. Most lenders require to secure the loan with your car title. That's why this cash advance is also called title Loans.

Emergency Loans for veterans

As traditional Payday Loans are usually forbidden for the military, there're special financial assistance programs available for veterans. American military veterans can apply online for US Cares Emergency Assistance Program and get up to $650 grant, for the American Legion Temporary Financial Assistance, Operation Family Fund and others. 

Emergency Loans for students

Emergency student loans are short term loans to help students cover any living expenses related to education costs. Whenever students come across unexpected tuition rises or other expenses, they may apply for emergency loans for students.

Completely Online Title loans no inspection

Title loans are financial assistance secured by your car title. The service is available online. The good thing is, that the ownership of the vehicle passes to the lender, while in fact, the vehicle remains with the borrower. This condition allows you to maintain your usual standard of living until the loan is fully repaid.

Emergency Title loans do not require verification of credit history. People with a low credit rating or without it at all can count on fast financial assistance.

Choose the best online emergency loans from direct lenders

Every borrower who needs emergency loans can choose the best available offer. It is wise to use a site that automatically sends a request to multiple lenders. It eliminates the need for the client to fill out several applications and compare the results. Most online lenders offer trusted borrowers with a good credit history an interest rate of 4.99 - 5.99%.

Read more:

LendYou will help you get the cash you need when you need it. You can apply for Payday Loans, Installment Loans or Personal Loans, etc. Compare the lenders and get matched with the best one.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $35000
  • Terms: Varied
  • Rates and fees: Starting at 4.99% APR
  • Turnaround Time: 1 business day
  • $100 - $1000 Payday Loans
  • $1000 - $5000 Installment Loans
  • $5000 - $35000 Personal Loans
  • 18 years of age or older
  • U.S. citizenship
  • Valid checking or savings account with direct deposit
  • Minimum regular income of $1,000 per month
  • Not be a regular or reserve member of the Air Force, Army, Coast Guard, Marine Corps or Navy (or be a dependent of someone who is,) serving on active duty under a call or order that does not specify a period of 30 days or fewer.
Pros
  • High up to $15,000 loan amounts. 
  • Minimal restrictions on how you can use your loan.
  • No collateral or guarantor.
  • Bad credit is OK. 
Cons
  • It's not a direct lender, so you'll need to clarify rates and terms with the company you are matched with. 

 

Check Into Cash offers Payday Loans, Title Loans, Personal Installment Loans and other money products at affordable rates with convenient repayment. 

  • MIN Loan Amount: $50
  • MAX Loan Amount: $3000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day
  • Payday Loans
  • Online Payday Loans
  • Title Loans
  • Installment Loans
  • Online Installment Loans
  • Line of Credit
  • Flex Loans
  • Other Services
  • Check Cashing
  • Bill Pay
  • Western Union 
  • U.S. Money Card
  • Cell Phone Top-Ups
  • Sell Us Your Gift Cards For Cash
  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $50.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

Greenlight Cash created an online platform to connect consumers like you with reliable lenders across the country. They partner with a large network of professionals so you get a chance to work with one of them and meet the challenge of improving your financial situation in the most effective way. Once you tap submit, you get one step closer to receiving the funds.

  • Payday Loans
  • Installment Loans
  • Personal Loans
  • be a legal U.S. resident
  • be at least 18 years old
  • have a stable source of income
  • be currently employed
  • have an active bank account
Pros
  • Unrivaled flexibility and accessibility.
  • Predictable monthly payments

  • Quick and simplified borrowing process

  • Any credit is welcome
Cons
  • Not a direct lender.

 

GoGoPaydayLoans offers Payday Loans at affordable rates with convenient repayment terms. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $1000
  • Terms: Vary by state.
  • Rates and fees: 261% to 782% APR
  • Turnaround Time: 1 business day

$100 - $1000 Payday Loans

  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
  • 21+ years old (19+ in Alabama)
  • Social Security number (for Indiana residents only)
Pros
  • You can get even as low as $100.
  • Quick funding on the next business day.
  • Money can be used for any personal needs.
Cons
  • Not available in every state.
  • APR can be more than 153.73% depending on your state.
  • High late payment fees.

 

Loan By Phone offers Payday Loans, Installment Loans and Line of Credit.

  • MIN Loan Amount: $100
  • MAX Loan Amount: $3000
  • Terms: Varied
  • Rates and fees: Vary by state
  • Turnaround Time: 1 business day
  • Payday Loans
  • Installment Loans
  • Line of Credit
  • 21 years of age
  • Social Security Number
  • Proof of Income (from your job, pension, welfare, or other source)
  • Valid email address
  • Active checking account (open for at least 90 days)
  • Current cell/home and work phone number
Pros
  • All loan applications and requests are guaranteed confidential and all transactions are governed in accordance with the laws of your state of residence.
  • Flexible repayment.
  • Available in most states.
Сons
  • High interest rates.
  • If you don't pay back on time your data may be sold to third parties.

 

Indyloan.com offers Personal Loans online at affordable rates with convenient repayment. 

  • MIN Loan Amount: $100
  • MAX Loan Amount: $5000
  • Terms: Vary by state
  • Rates and fees: Varied
  • Turnaround Time: 1 - 2 business day

Personal Loans

  • Active checking account open for 90+ days
  • US citizen or permanent resident
  • Personal and work phone number
  • Valid email address
Pros
  • Quick - no driving, waiting, faxing, paperwork.
  • High approval rate even for bad credit borrowers.
  • Online Payday cash advance with no collateral or co-signer.
  • 24 / 7 online service.
Cons
  • High interest rates.
  • Available not in all the states.
  • Only loans up to $5000 are available.

 

Bottom line

To surely choose the best loan product, consider several options for online emergency loans. It will also be useful to read several comparative reviews on the lending companies.