Best Emergency Loans For Bad Credit: Quick Cash Approval From Top 5 Personal Loan Lenders Of 2022

Financial emergencies can strike anyone at any time. We often find ourselves in situations where we need financial support despite planning our finances meticulously.

Don’t worry, as it’s not just you. It happens to even the best of us. No matter how well you plan the expenditures, you are often left puzzled about coming out of such situations.

Here is where emergency loans can help. As the name suggests, emergency loans let you access funds within a day or two. However, like other loans, they come with terms and conditions such as interest rates and repayment periods.

We have compiled a list of platforms that offer the best emergency loans. The best part about accessing loans from these best emergency loan platforms is that they have convenient user policies that provide immediate access to funds even if you have a bad credit history. So, without wasting time, let’s dig deeper and understand more about these platforms that can help you overcome adverse situations.

Top 5 Best Emergency Loans For Fast Cash & Quick Approval In 2022:

  1. MoneyMutual – Overall Best Emergency Loans & Quick Loans; Guaranteed Approvals
  2. RadCred – Top Payday Loan Lenders For Instant Emergency Cash Approval
  3. BadCreditLoans – Popular Bad Credit Loans Providers Online; Best Interest Rates
  4. Cash USA – Most-Trusted No Credit Check Loans Lenders For Quick Cash Now

Here are the detailed reviews of our top picks:

#1. MoneyMutual – Overall Best Emergency Loans & Quick Loans; Guaranteed Approval


MoneyMutual is one of the top websites that help customers in dire need of emergency loans. The application process for an emergency loan on this platform is very simple. After skimming through the criteria, it hardly takes five minutes to submit an application and find a suitable match. Already, MoneyMutual has earned a great reputation by helping several hundreds of customers.

The online platform ensures that you find a suitable match by keeping your preferences in mind. You can get the loan processed within one business day. If you so require, you can even apply for different kinds of loans on the website, including payday, bad credit, and installment loans.

You can find 60 short-term lenders on the website with complete disclosure of their terms. With transparent policies and a massive network of reliable lenders, MoneyMutual is worth trying when you encounter financial emergencies.


Before you fill out the application form, make sure you meet the following criteria:

  • You must be 18 years or older.
  • You must earn at least $800 per month.
  • You must also be a citizen of the US with a valid bank account in your name.

MoneyMutual offers three kinds of loans: bad credit loans, credit card cash advances, and payday loans. MoneyMutual takes care of the emergencies that come your way with ease. Remember to read the terms carefully before signing any agreement.


#1. Secure platform

MoneyMutual is a secure platform and is well protected by Norton encryption. So, rest assured that your information is safe and in secure hands.

#2. Convenience

You do not need to wait for hours, as the platform ensures that you can easily place the loan request from the comfort of your home rather than standing in a queue.

#3. Loan Amount and Interest

Typically, the loan amount ranges from $5000 to $35,000. Interest rates can differ depending on the lender. In certain loans, such as payday loans, it can range from as high as 200% to 1300%.

#4. APR

The APR varies from 5.99% to 24.99%. The platform does not charge any origination fee for the loan application and simply acts as an intermediary between the borrower and the lender. The lender states his terms, including the interest rates, which you can discuss directly.


  • Various types of loans are available on the platform.
  • The application process is very simple and quick.
  • A secure and encrypted website protects your information.
  • Loans can be as small as $300 to as high as $35,000.
  • The website is highly user-friendly.
  • There are over 60 lenders on the website.
  • It takes into account credit scores of all sizes.


  • To be eligible for the loan, you must earn at least $800.
  • Some states do not have access to these services.

Customer Reviews

Many customers have shared positive feedback about MoneyMutual and consider it a trustworthy platform with favorable terms. According to testimonials, customers seemed to be satisfied with the services offered by the company and could receive the funds within one business day. Overall, the website is user-friendly and worth trying for funds during emergencies.

#2. RadCred – Top Payday Loan Lenders For Instant Emergency Cash Approval


RadCred is a Utah-based company and is considered one of the reputable platforms that connect you with lenders.

RadCred has been in this business for a long time and has earned the trust of many customers over the years. Whether you need a loan for renovation, repair, or consolidation of debt, the platform can accommodate all your requirements. All you have to do is fill out an online application form from the comfort of your home, and you are done.

As soon as you submit the details, RadCred will circulate them among its network of lenders. If you cannot find a suitable lender, it may connect you with trustworthy external sources by showing you their promotional ads.

Once a lender approves your request, you are redirected to its website to learn more about the terms. Read them carefully before agreeing to them. As soon as you agree and things get finalized between you and the lender, the funds get transferred to your bank account within one business day.


  • To be eligible for the loan, you must fulfill the following conditions:
  • You must be at least 18 years of age
  • You must have a steady income source of $20,000 per month
  • You must have an SSN and, more importantly, a bank account in your name


#1. Easy-to-use interface

The smooth navigation of the website makes the whole loan application process seamless and convenient.

#2. Fees and interest rates

RadCred doesn’t charge you for connecting you with the lender. Its services to borrowers are free of cost. Also, it doesn’t interfere with your contract with the lender. Even if the market rates fluctuate, you won’t have to pay a higher interest rate.


  • The secure platform protects your information.
  • Funds can be transferred within one business day.
  • The platform doesn’t charge you when it connects you with the lender.


  • Monthly income requirements are slightly higher than the other platforms.

Customer Reviews

After going through the online reviews, we concluded that it is reliable. Many customers have liked the company’s fast services and flexibility without any hard credit checks or collateral.

#3. BadCreditLoans – Popular Bad Credit Loans Providers Online; Best Interest Rates


BadCreditLoans is another online lending platform that directly connects you to the lender. The best part about this platform is that even if it cannot find an appropriate match for you, it refers you to other lenders on its network so that you can quickly get a unsecured loan.

The website is very informative and shares essential information about taking unsecured loans, spending the income carefully to avoid any debt, and managing processes to pay the loan quickly. These resources are highly helpful for users who want to enhance their knowledge about the existing processes.

As the name suggests, BadCreditLoans offers you loans even if you have a bad credit history. All you have to do is fill out an online application form and other essential details on the website. And you are good to go!


You must meet the following criteria to take out the loan on this platform:

  • You must be 18 years or above.
  • You must have a verified source of income.
  • You must be a US citizen with an active bank account.

Bad Credit Loans is an excellent platform for borrowers with bad credit who immediately need funds. The company operates 24/7, so you can enjoy the services anytime, according to your requirements.


#1. APR and Interest rates

Bad Credit Loans is suitable for smaller loans. The APR ranges from 5.99% to 35.99%.

#2. Intermediary platform

The platform acts as a bridge/intermediary between borrowers and lenders. Applying for a loan on the platform is free and does not require processing fees. You are connected to a lender that matches your profile, and you can contact them directly to learn more about the conditions and interest charges that come with approval.

#3. Simple and quick process

The application process does not take much time. Neither does the processing of the loan. You are good to go, even with a bad credit history. The platform itself does not set any terms; these depend entirely on the lender.

#4. Loan limits

Lenders can offer money ranging from $500 to $5000. The repayment ranges from three to 36 months, depending on the lender.


  • Any amount between $500 and $5000 is available as a loan.
  • The platform is known for its best emergency loan approvals.
  • Free and fast sign-up process.
  • Provides detailed information for users to learn more about the lending processes.
  • Flexible credit requirements.


  • Eligibility requirements can be stringent.

Customer Reviews

Customers have stated that they found the online loan request process of BadCreditLoans highly convenient and quick. They liked that the request could be submitted within a few minutes, and they could access the funds within one business day. Customers have also appreciated the excellent customer support of the team and the quick solution to their issues.

#4. Cash USA – Most-Trusted No Credit Check Loans Lenders For Quick Cash Now


CashUSA is considered one of the most reliable platforms in the US. If you wish to access loans from a safe and secure platform in an emergency, it is best to register for emergency loans on CashUSA. The platform has been of great help to several customers who had needed funds in a crisis. Many state and tribal lenders ensure that the loan approval system is reliable and fast. But the chances are that tribal lenders may charge high interest rates and are also not subject to the state’s law.

You have to visit the official website and fill out an application form that takes a few minutes. Once the lender approves your loan request, the funds can be transferred within the next business day. The platform does not provide loans but acts as an intermediary to connect you with suitable lenders. The website also provides resources that help you make informed decisions.

Once you have signed the contract, the website does not take responsibility. You cannot hold the platform liable if any complications arise in the future. So, go through the terms carefully before signing any document. Read all the terms listed by the lender, including the repayment fees and APR, so that you can make informed decisions. It is easy to access the money with their excellent support and simple financing method.


  • Before you fill out the application form, make sure to check the following eligibility points:
  • You must be over 18 years of age.
  • You should have proof of US citizenship.
  • You must have an annual income of $1000 (before taxes).
  • You must also have a bank account in your name, and it should be operational.
  • You must have an active email address and contact number.


#1. Fees and interest rates

Since CashUSA is an intermediary between lenders and borrowers, it does not charge any loan fee or interest. The interest rates depend on the lender, and the website can be accessed free of cost.

#2. Quick process

You don’t have to worry about sending separate loan requests to each lender. CashUSA does that job for you. It automatically sends the loan request to each lender that follows the requirements and whose terms match yours. Once you receive an offer, you can go through the terms and conditions. Once it suits you, you can sign the agreement.

#3. Loan limit

The platform lets you request up to $10,000 as a loan. On this website, you can apply for smaller loans as well. The best part is that it lets people with all kinds of credit apply for loans and send applications to multiple lenders with a single click.


  • The platform caters to smaller loan requirements as well.
  • Secure and encrypted website.
  • Up to $10,000 is available as a loan.
  • Fast application process.


  • Eligibility criteria may differ for some borrowers.

Customer Reviews

Customers have appreciated that they could get the money within one business day without hassle. They found the platform highly secure for sharing their personal information.

How We Made This List Of Loan Companies For Emergency Cash Immediately:

Finding the right loan is not as easy as it may seem. It can be a stressful experience, especially when you need cash in an emergency. The worst part is when you are already dealing with a bad credit history. Accessing funds may seem impossible.

But don’t worry, as you can enjoy the best emergency loans even if you have bad credit. We have carefully evaluated different platforms that connect you to lenders when you need an unsecured personal loan during an emergency. Let’s understand more about these in detail.

Factors That We Looked For…

Below are the essential factors we considered while choosing the top service providers.

#1. Repayment period

It is best to take debt consolidation loans with reasonable repayment plans. Hence, we have chosen platforms that guarantee flexible repayment plans and support.

#2. Loan terms & conditions

It is essential to learn carefully about every loan detail, but it might confuse some people. Hence, we selected only the platforms that offer customer-friendly and flexible policies to customers.

#3. Services & fees

A reputable company offers excellent terms and services to its clients. When customers are new, it is essential to have excellent customer support, as they may face issues while signing up for the process and may need assistance. We choose companies that not only provide excellent services but also don’t charge any fees. Yes, you don’t have to pay any fees to the service provider to access the platform or submit the application form.

#4. Secured platforms

Data privacy is important, and we believe the platforms must secure your loan details and personal information. Service providers and lenders must protect the confidentiality of customers. Therefore, we selected companies that offer the best online security and are encrypted with the latest technological features.

#5. Eligibility

We had considered emergency loan companies that request only basic information for eligibility. For example, you need to be 18 years or above and have a bank account, address proof, and a steady income source.

What You Should Know About Emergency Same Day Loans & Fast Loans:

As hundreds of online lending platforms offer emergency funds, choosing the best can be challenging. Therefore, to help you, we have made this buying guide. You can consider these points when looking for a lender or lending platform.

#1. Reputation

The reputation of the lending platform is very important when you plan to seek financial services. Go through the customer reviews before you apply. Customers’ first-hand experiences talk about the service provider, its services, and support.

#2. Terms and conditions

Many payday loan lenders may not be willing to offer loans if they notice poor credit scores. So, try to choose the platform or the lender that is willing to provide flexible terms so that you can get a loan even with a credit score below 600.

#3. Quick transfer of funds

During emergencies, you need funds right away. If you don’t receive the funds on time and meet your emergency, there is no point in taking the loan. So, choose reliable platforms that can give you funds within 24 hours.

#4. Keep an eye out for additional fees

Choose payday loan platforms that are transparent and don’t charge you any hidden fees. The platforms we have discussed offer complete transparency and disclose their terms. So, don’t worry. These platforms are reliable. However, when you research other platforms, ensure that they are transparent about their policies.

#5. Evaluate customer support

If you have narrowed it down to one or two lenders willing to offer you funds quickly, you must consider another aspect before signing the agreement. Ensure that the platform provides an effective customer support team to address your issues if you face any. Review the lender’s customer services and read the reviews shared by existing borrowers.

#6. Integrity and security

Companies must prioritize protecting and securing your personal information. You must ensure that the website is protected. Look at whether the company has installed online security tools. If you cannot get detailed information, you can check with the customer support team. In addition, also ensure that there are no lawsuits or complaints of any security breaches against the company.

#7. Compare alternatives

After submitting the request, you will get quotes from several lenders. Therefore, read the contract carefully. There are chances that you may overlook some information written in the fine print. That is why you should compare the quotes. When you compare, you may come across emergency loan lenders that offer better conditions.

FAQs Regarding Best Emergency Loan Rates:

Q1: What is an emergency loan?

A: As the name suggests, an emergency loan is used to address your urgent expenses. It can be used to pay your medical bills, car repairs, or cover other urgent needs. These can be secured or unsecured and can be accessed online.

Q2: Can I apply for an emergency loan as I have bad credit?

A: When you apply for an emergency loan, take care of the following points:

  • Check how bad your credit profile is when you are applying for a loan.
  • Look for lending platforms that connect you to the lender. You can review the platforms we have shared. Please use their services to be safe.

After this, you can apply for a loan. You must follow the guidelines on the website and submit your form. They will contact you to offer their terms. You can choose the most suitable loan offers from the different quotes.

Q3: Why do emergency loan services gain more traction from customers?

A: Many customers prefer online emergency loans compared to traditional platforms. The reason is that internet loans are very simple and convenient. No complicated processes or documentation are involved. By choosing online loans, you can avoid the inconvenience of visiting the bank.

Q4: How can I repay emergency loans?

A: Many lenders have online systems that let customers make online payments. The manner of loan repayment varies from lender to lender. You can review the repayment terms before accepting the offer. The websites we have listed in this article let you make the payment online without hassles.

Q5: What are the different types of emergency loans available?

A: There are several types of emergency loans. These include the following:

#1. Personal loans

Personal loans can be of two types: Secured and unsecured. Secured loans require you to pledge a personal asset to be seized if you cannot repay the loan. An unsecured personal loan does not require collateral and is offered based on your credit history. That determines your eligibility, loan amount, credit score, and interest rate.

#2. Payday loans

These unsecured personal loans are short-term borrowings that come with higher interest rates. They don’t require a credit check.

#3. Title loans

These are a type of secured loan. When you take these loans, you have to hand over the title to an asset, such as a car, in exchange for money. If you cannot pay the loan amount back, the lender has the right to keep the asset.

#4. Advances on the credit card

You can use your credit card to borrow money. These advances have higher interest rates than the regular ones, and additional fees are imposed.

Q6: Is 600 a poor credit score according to FICO?

A: A FICO score of 600 is not poor; it is fair. If your score falls below this point, it would be considered poor.

Q7: How much loan can I take if I have a poor credit score?

A: Many lenders are willing to lend you up to $25000 even if you have a poor credit score. But they will charge very high interest rates. You must consider the amount you need. The smaller the loan amount, the easier it is to get it approved, and of course, you will be charged lower interest rates.

Q8: Are there any reliable alternatives to interest-based loans?

A: When your credit score does not support you for an emergency loan, there are two options. You can borrow some amount from your friends and family or sell certain assets or belongings to meet emergency needs.

Q9: Why is online lending better than conventional lending?

A: Online lending lets you apply on numerous emergency loan platforms from the comfort of your home. It also saves you the trouble of hard credit inquiries. When you apply online, lenders report your performance to credit bureaus from time to time, helping improve your credit score. In addition, the lending platforms offer reasonable interest rates. Hence, online lending platforms are considered reliable compared to conventional platforms.

Q10: Which is the best online lending platform?

A: The platforms we have listed in our article are reliable, even if you have bad credit scores. You can choose any of these to meet your requirements.

Q11: Is it safe to apply for a loan online?

A: It is safe to apply for a loan online. You just need to be sure of applying from a reliable platform. That is because a reputable company will implement security protocols on its platform to maintain privacy. These protocols prevent hackers from accessing the website, and your data remains safe.

Q12: Are there any penalties for late payments?

A: There are penalties if you miss the monthly payments, and some companies may charge you additional fees with higher interest rates. Therefore, you should avoid late payments to avoid higher interest rates and other costs. You can also try to notify the lender in advance to extend your due date for the payment.

Concluding – Top Personal Loan Lenders For Fast Funding Of Emergency Cash Online 2022:

Financial emergencies can come to anyone at any point in life. You may need funds for medical needs, renovation, repair, etc. Online lending platforms have opened many opportunities for borrowers to apply for loans from the comfort of their homes.

You can get funds within 24 hours from online bad credit loan platforms. Not only that, but they also let you improve your credit scores.

You must have understood by now about the brands offering assistance through emergency loans, even if you have bad credit. The brands we have listed are reliable, with an excellent reputation in the market. You can rely on these platforms without a second thought whenever you need financial assistance.

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