March 27, 2023

Emergency loans online have become a valuable commodity in everyday life. Pandemic emergency loans for bad credit have also become sought-after recently, with the crippling effects of COVID-19.

If you’re in the same boat as thousands of other Americans, hunting the market for same-day emergency loans because an emergency or unexpected expense has cropped up, this list of lenders for emergency loans is for you.

Best emergency loans of 2022 – quick overview

  1. Viva Payday Loans: overall best for urgent loans with bad credit
  2. Heart Paydays: best for quick payday emergency loans
  3. Big Buck Loans: best for instant emergency loans
  4. Low Credit Finance: best for emergency loans with instant decisions
  5. Green Dollar Loans: best for same-day $300 emergency loans
  6. Money Lender Squad: best for fast and urgent emergency loans
  7. Very Merry Loans: Best if you need money now urgently
  8. Credit Clock: best for guaranteed loans for $255

Best emergency and urgent loans for bad credit in August 2022

Low Credit Finance: overall best for urgent loans with bad credit

low credit finance (6)Spotlight Wire

Low Credit Finance is a responsible lender, which means that while they don’t provide emergency loans with no credit check due to regulatory compliance, they often assist low-credit borrowers if they meet certain mitigating criteria. This loan matching service is 100% free to borrowers, and you can expect to be matched with lenders offering loans of between $100 and $5000 with between 5.99% and 35.99% interest.

Eligibility criteria of emergency loans online

  • Applicants must be 18+ years old
  • Minimum income requirement of $1000
  • Bank account with direct deposit

Pros of emergency same-day loans

  • No waiting around for cash
  • Online application that takes a few minutes
  • Low credit borrowers welcome

Cons of emergency loans

  • Expensive borrowing option

2. Viva Payday Loans: best for bad credit emergency loans

Viva Payday Loans Custom (6)Spotlight Wire

Thousands of Americans with credit scores that they would rather not brag about tend to avoid applying for emergency loans online because they assume a credit check will ruin their chances of funding. Viva Payday Loans’ panel of lenders can still help some bad credit borrowers get the cash they need. These aren’t emergency loans with no credit check, but loans provided despite the credit check if the borrower meets various other requirements (subject to further checks by the lender).

At Viva Payday Loans, loan amounts vary from $100 to $5000 with 2 to 24 months to pay. One of the biggest perks of using Viva Payday Loans is that they provide access to emergency loans with no job. You have to prove you still receive an income without a job, though.

Eligibility requirements of emergency loans online

  • 18+ age to apply
  • Earn at least $1000 per month
  • Legal resident/citizen of the USA

Pros of same day emergency loans

  • Cash on the same day as approval
  • Non-traditional employment forms accepted
  • Quick online application

Cons of emergency loans

3. Heart Paydays: best for quick payday emergency loans

heart paydays custom (1)Spotlight Wire

Everyone thinks their best bet at getting speedy approval and payout on a loan application is to apply for emergency loans with no credit check. No credit check loans don’t exist in the ethical and responsible lending world, and that’s because US regulation requires lenders to carry out credit checks. While Heart Paydays doesn’t offer emergency loans with no credit check, they do offer loans to individuals with all FICO scores.

Heart Paydays offer access to payday emergency loans ranging from $100 to $5000 with 3 to 24 months to pay. Much the same as all of the loan matching sites evaluated here, the interest ranges from 5.99% to 35.99%

Eligibility requirements of emergency loans

  • Minimum age of 18 years to apply
  • Earnings of at least $1000 per month for three months
  • Pass an affordability assessment (income vs expenses)

Pros of emergency loans online

  • Low-credit borrowers welcome
  • 100% online application
  • Get cash on the same day

Cons of emergency loans

4. Big Buck Loans: best for instant emergency loans

Big Bucks Loan (5)Spotlight Wire

Big Buck Loans offers viable financial alternatives to all those who have been desperately seeking emergency loans for bad credit borrowers in the pandemic or trying to find out more about tax refund cash advance emergency loans in 2022. While Big Buck Loans doesn’t make unrealistic promises of emergency loans with no credit check or similar, they offer viable, ethical, and responsible lending alternatives.

When applying for emergency loans online via the Big Buck Loans platform, you will be connected with lenders offering loans of between $100 and $500 with APRs of 5.99% to 35.99%.

Eligibility requirements of emergency loans online

  • Only 18+ years may apply
  • Earn at least $1000 per month
  • Have a checking or savings account that supports direct deposit

Pros of emergency loans online

  • 2-minute approval process
  • 15-minute payout
  • Reasonable eligibility criteria

Cons of emergency loans

  • Some lenders request interest of 35.99%

5. Green Dollar Loans: best for same day emergency loans

Green Dollar Loans (4)Spotlight Wire

Green Dollar Loans is a loan matching service known for setting up emergency loans in a hurry. If you don’t have time to wait around and hope to secure emergency same-day loans with minimal hassle, Green Dollar Loans is your best bet. With a quick and easy online application form, a 2-minute approval process, and same-day payout, it’s no wonder that the matching service is climbing the ranks in the online loans market. You can secure a loan between $100 and $5000 with Green Dollar Loans and get between 3 and 24 months to pay. Interest is standard for emergency loans online at 5.99% to 35.99%.

Eligibility requirements of same-day emergency loans

  • Only legal residents and citizens of USA may apply
  • Minimum earnings of $1000 per month
  • Must prove affordability

Pros of emergency loans online

  • Quick and easy online application
  • 3 to 24 months to pay
  • Min age of 18 to apply

Cons of emergency loans

What are emergency loans and how do they work?

Emergency loans are short-term loans of small amounts that are approved and paid out quickly. They are most often used to cover unexpected or emergency expenses. Emergency loans online are easy to apply for with just one online form via a loan matching service. If a lender can provide the funds, you will need to sign a contract and will be expected to repay the loan over a set time with interest added. Same-day emergency loans are quick and convenient with minimal red tape, but they can come with up to 35.99% interest attached.

How to apply for emergency loans online in four quick steps

Step 1: Choose your loan amount and term

Select how much you need and the repayment term required.

Step 2: Complete the application form

Follow the prompts to complete the online application form.

Step 3: Wait for a decision

In just two minutes or less, you will be advised if you’re eligible for a loan based on the information provided.

Step 4: Get your loan

If everything is in order, the lender will forward you a loan agreement to sign and send back. Once this is done, the cash will be sent to your bank account.

Emergency loans online – features and factors to consider
Consider the following before applying for emergency loans.


Remember that the more you borrow, the more interest you pay, and your cash flow will be affected. Lenders will refuse loans that over-indebt borrowers.

Reputation of lenders

Using loan matching services, such as those already assessed will safeguard you against getting into a contract with unethical or fly-by-night lenders. Protect yourself and your finances!

Competitive Market

With the loan market being so competitive, many lenders try to present attractive packages to the market. While many emergency loan providers will add the max interest of 35.9%% to their loans, many are negotiable and may reduce interest on request.

How were the best emergency loans on the market chosen?

The following attributes were considered before compiling the list of 8 best emergency loan matching services in the US:

  • Platforms with easy application processes.
  • Interest that doesn’t get higher than 35.99%.
  • Loan amounts range up to $5000 with up to 24 months to pay.


When looking for the best same day emergency loans online, your best bet is to use a loan-finding service such as Low Credit Finance or any of the other assessed platforms. Find the right loan for you without wasting time and effort – use a loan-matching service!


How quickly do emergency loans get paid out?
The loan matching services assessed here have a reputation for same-day and next-day payouts. If you elect to use a loan-matching service such as Big Buck Loans, you can expect to get the cash within 15 minutes of your loan being approved.

Can I get emergency loans with no job?

You can get emergency loans with no job if you have a secondary income that the lender can use to qualify you for the loan. Suitable secondary incomes include rental income, freelance income, allowance, benefits and similar.

What are tax refund cash advance emergency loans in 2022?

Tax refund cash advance emergency loans in 2022 are usually short-term small loans ranging from $200 to $4000. This is usually applied for when you’re expecting a definite refund from the IRS.

Disclaimer – The above content is non-editorial, and Economic TImes hereby disclaims any and all warranties, expressed or implied, relating to it, and does not guarantee, vouch for or necessarily endorse any of the content. 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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