8 Best Emergency and Urgent Loans for Bad Credit in August 2022

Online emergency loans 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, looking for same-day emergency loans because of an emergency or unexpected expense, 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 Emergency Payday Loans
  3. Big Buck Loans: Best for Instant Emergency Loans
  4. Low credit financing: ideal for emergency loans with instant decisions
  5. Green dollar loans: ideal for emergency loans of $300 the same day
  6. Money Lender Squad: ideal for quick and urgent emergency loans
  7. Very happy loans: Ideal if you need money now urgently
  8. Credit Clock: best for secured loans for $255

Best emergency and urgent loans for bad credit in August 2022

Low Credit Financing: Best Overall for Urgent Loans with Bad Credit

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Low Credit Finance is a responsible lender, which means that while it does not provide emergency loans without credit checks due to regulatory compliance, it often helps low credit borrowers if they meet certain mitigation criteria. This loan matching service is 100% free for borrowers, and you can expect to be matched with lenders offering loans between $100 and $5,000 with interest between 5.99% and 35. 99%.

Online Emergency Loan Eligibility Criteria

  • Applicants must be 18 years or older
  • $1,000 minimum income requirement
  • Bank account with direct deposit

Benefits of Same Day Emergency Loans

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

Disadvantages of emergency loans

  • Expensive borrowing option

2. Viva Payday Loans: Best for Bad Credit Emergency Loans

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Thousands of Americans with credit scores they’d 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 borrowers with bad credit get the money they need. These are not emergency loans without credit check, but loans given despite the credit check if the borrower meets various other requirements (subject to further verification by the lender).

At Viva Payday Loans, loan amounts range from $100 to $5,000 with 2 to 24 months to pay off. One of the biggest benefits of using Viva payday loans is that they provide access to emergency jobless loans. However, you must prove that you are still receiving income without a job.

Online Emergency Loan Eligibility Requirements

  • 18 years and over to apply
  • Earn at least $1000 per month
  • Legal resident/citizen of the United States

Benefits of Same Day Emergency Loans

  • Cash same day of approval
  • Non-traditional forms of employment accepted
  • Quick online application

Disadvantages of emergency loans

3. Heart Paydays: Best for Quick Emergency Payday Loans

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Everyone thinks their best bet for getting quick approval and repayment on a loan application is to apply for emergency loans no credit check. Loans without credit checks do not exist in the world of ethical and responsible lending, and that is because US regulations require lenders to perform credit checks. Although Heart Paydays does not offer emergency loans without a credit check, they do offer loans to people with all FICO scores.

Heart Paydays offers access to emergency payday loans ranging from $100 to $5,000 with 3 to 24 months to pay. Like all the loan matching sites reviewed here, the interest ranges from 5.99% to 35.99%.

Emergency Loan Eligibility Requirements

  • Minimum age of 18 to apply
  • Earnings of at least $1,000 per month for three months
  • Take an affordability assessment (income vs. expenses)

Benefits of Online Emergency Loans

  • Low credit borrowers welcome
  • 100% online application
  • Receive money the same day

Disadvantages of emergency loans

4. Big Buck Loans: Best for Instant Emergency Loans

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Big Buck Loans offers viable financial alternatives for anyone desperate for emergency loans for borrowers with bad credit during the pandemic or trying to learn more about tax refund emergency loans in 2022 Although Big Buck Loans does not make unrealistic promises of emergency loans without credit checks or the like, they do offer viable, ethical and responsible lending alternatives.

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

Online Emergency Loan Eligibility Requirements

  • Only those 18 and over can apply
  • Earn at least $1000 per month
  • Have a checking or savings account that supports direct deposit

Benefits of Online Emergency Loans

  • Approval process in 2 minutes
  • Payment in 15 minutes
  • Reasonable eligibility criteria

Disadvantages of emergency loans

  • Some lenders charge 35.99% interest

5. Green Dollar Loans: Best for Same-Day Emergency Loans

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Green Dollar Loans is a loan matching service known for setting up emergency loans quickly. If you don’t have time to wait and are hoping to get same-day emergency loans with minimal fuss, Green Dollar Loans is your best bet. With a quick and easy online application form, 2-minute approval process, and same-day payment, it’s no wonder the matching service is climbing the ranks in the online loan market. You can get a loan between $100 and $5,000 with Green Dollar Loans and get between 3 and 24 months to pay. Interest is standard for online emergency loans at 5.99% to 35.99%.

Same Day Emergency Loan Eligibility Requirements

  • Only legal residents and citizens of the United States can apply
  • Minimum earning of $1000 per month
  • Must prove affordability

Benefits of Online Emergency Loans

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

Disadvantages of emergency loans

What are emergency loans and how do they work?

Emergency loans are short-term, small-amount loans that are approved and repaid quickly. They are most often used to cover unexpected or urgent expenses. Online emergency loans are easy to apply for with a single online form through a loan matching service. If a lender can provide the funds, you will need to sign a contract and you will be required to repay the loan over a fixed period with interest added. Same-day emergency loans are quick and convenient with minimal paperwork, but they can come with up to 35.99% interest.

How to apply for an emergency loan online in four quick steps

Step 1: Choose your loan amount and term

Select the amount you need and the repayment term required.

Step 2: Complete the application form

Follow the instructions to complete the online application form.

Step 3: Wait for a decision

In just two minutes or less, you will be notified if you qualify for a loan based on the information provided.

Step 4: Get your loan

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

Online emergency loans – 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-leverage borrowers.

Reputation of lenders

Using loan matching services, such as those already reviewed, will protect you from contracting with unethical or improvised lenders. Protect yourself and your finances!

Competitive market

Since the loan market is so competitive, many lenders try to present attractive offers in the market. While many emergency loan providers will add the maximum interest of 35.9%% to their loans, many are negotiable and can reduce interest upon 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 services in the USA:

  • Platforms with simple application processes.
  • Interest that does not exceed 35.99%.
  • Loan amounts range up to $5,000 with up to 24 months to pay off.


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


How fast are emergency loans repaid?
The loan matching services reviewed here have a reputation for same-day and next-day repayment. If you choose to use a loan matching service such as Big Buck Loans, you can expect to receive the money within 15 minutes of your loan approval.

Can I Get Unemployed Emergency Loans?

You can get emergency jobless loans if you have a side income that the lender can use to qualify you for the loan. Relevant secondary income includes rental income, self-employment income, allowances, benefits and others.

What are tax refund cash advance emergency loans in 2022?

Emergency tax refund loans in 2022 are usually small, short-term loans ranging from $200 to $4,000. This is usually requested when you are expecting a final refund from the IRS.

Disclaimer – The above content is non-editorial, and Economic Times hereby disclaims all warranties, express or implied, in connection therewith, and does not warrant, warrant or necessarily endorse any contents. The loan websites reviewed are loan matching services, not direct lenders. Therefore, they are not directly involved in the acceptance of your loan application. Applying for a loan with the websites does not guarantee acceptance of a loan. This article does not provide financial advice. Please seek the assistance of a financial adviser if you
need financial assistance. Loans available only to US residents.


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