8 Best Emergency Loans No Credit Check For Urgent Same Day Cash

Emergency loans are an accessible form of financing that can be used to cover unexpected expenses. Whether it’s for medical expenses or funeral expenses, these loans feature fast application processes and quick money transfers — with most providers offering up to $5,000 in financing.

This article discusses the best emergency loans, evaluating several emergency loan services before providing a walkthrough of applying for an emergency loan in minutes.

Best emergency loans for bad credit – quick overview

  1. VivaPaydayLoans.com >> – overall best for emergency loans with bad credit
  2. LowCreditFinance.com >> – best for urgent loans for bad credit
  3. GreenDollarLoans.net >> – best for fast $255 emergency payday loans
  4. BigBuckLoans.net >> – ideal for instant emergency loans with no credit check
  5. CreditClock.net – best for urgent same day loans
  6. MoneyLenderSquad.com – best for borrowing money urgently
  7. HeartPaydays.com – Best for $255 Emergency Installment Loans
  8. VeryMerryLoans.com – the best for emergency money immediately

Get a quick loan sent within 15 minutes of approval by choosing one of the providers above, or read on for a short review on each. All of these loan providers work with those who have bad credit history and have been unemployed before.

Best urgent loans for bad credit – July 2022

1. Viva Payday Loans
– overall best for emergency loans with bad credit

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The top pick for the best emergency loan provider is Viva Payday Loans. This provider offers up to $5,000 in financing and flexible repayment terms of up to 24 months. Plus, APRs start from just 5.99%.

The application process for Viva Payday Loans is streamlined and takes less than two minutes, with decisions being made almost instantly. Finally, this provider has no upfront fees or hidden costs, which makes the whole process very cost-effective.


  • Repay between 3 and 24 months
  • Easy application process
  • APR from 5.99%

The inconvenients:

  • Not available in some US states

2. Low Credit Financing – Ideal for Urgent Bad Credit Loans

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Low Credit Finance is an online emergency loan provider, supporting those with bad credit or a low FICO score. This provider offers same-day decisions and fast transfers, all with flexible refund terms.

APRs range from 5.99% to 35.99%, and up to $5,000 can be claimed, all through a user-friendly online portal.


  • Supports low FICO scores
  • Same day decisions
  • User-friendly application process

The inconvenients:

  • Loans are unsecured

3. Green Dollar Loans – Best for Quick Emergency Payday Loans

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Green Dollar Loans provides same day emergency loans after approval with no upfront fees or hidden fees. This provider offers up to $5,000 in funding and requires no submission of documents during the application process.

Applications take less than two minutes to complete and loan decisions are made within minutes, with many applicants receiving same-day funding.


  • Quick loan decision
  • No upfront costs
  • No documents required

The inconvenients:

  • The decision is up to the final lender

4. Big Buck Loans – Best for Instant Emergency Loans with No Credit Checks

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Those looking for emergency jobless loans can apply for financing from Big Buck Loans, a respected provider that supports all FICO scores. Funds can be transferred in as little as 15 minutes, with loan amounts ranging from $100 to $5,000.

APRs can be as low as 5.99% in some cases, and this provider even offers several customer testimonials on their website highlighting their positive experiences.


  • Positive Customer Testimonials
  • Fast money transfers
  • All FICO scores supported

The inconvenients:

  • Not available in some US states

Note: Although Big Buck Loans does not check your credit, your credit may be checked by one or more of their lending partners and their third-party credit bureaus when you submit your application or at a later date. Further information can be found in the terms and conditions.

5. Credit clock – ideal for urgent same day loans

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Credit Clock also offers emergency loans, where applicants can use a handy loan calculator to customize their loan structure. Applications take minutes to complete and loans can often be facilitated the same day.

Like other providers, Credit Clock offers up to $5,000 in financing. These loans can be repaid over 3 to 6 months, with APRs ranging from 5.99% to 35.99%.


  • Useful loan calculator
  • Flexible repayment terms
  • Possibility of financing the same day

The inconvenients:

What are emergency loans and how do they work?

Immediate emergency cash is a type of short-term financing that tends to be used to cover unexpected expenses. These expenses can be anything, such as medical expenses, funeral expenses or repairs. In these cases, funding is required immediately, which is what emergency loans are intended for.

Emergency loans without credit checks may be available in some countries; however, in the United States, most lenders will perform a credit check to comply with applicable regulations. Apart from that, these loans are easy to apply for and do not require any physical paperwork. In addition, various financing amounts are offered and borrowers can even benefit from flexible repayment terms.

How to Apply for Emergency Loans in Quick Steps with Viva Payday Loans

  • Step 1: Choose your loan amount – Select your loan amount ($100 to $5,000) and choose a repayment period (2 to 24 months).
  • Step 2: Complete the application form – Complete the application form on the Viva Payday Loans website.
  • Step 3: Wait for a decision – A lender will give you a decision in minutes or offer you another form of financing.
  • Step 4: Get your loan – Bad credit emergency loans can often be issued the same day, assuming all end-lender requirements are met.

Characteristics of emergency loans and factors to consider

Below are some of the main benefits of applying for an emergency jobless loan:

All FICO scores are welcome

Those with low FICO scores or bad credit history can still apply for fast emergency loans because providers don’t discriminate on who can apply for financing.

Easy application

Although emergency loans without a credit check may not be possible, since US regulations require lenders to perform a credit check in most cases, this type of financing still has a transparent application process.

Various funding amounts

Major emergency loan providers (such as Viva Payday Loans) offer a range of financing amounts from $100 to $5,000.

How were the best emergency loan providers above chosen?

The following criteria were used when compiling this list of emergency loans for bad credit providers:

  • No upfront/hidden fees
  • Digital application process
  • Range of funding amounts available
  • All FICO scores are welcome


In conclusion, this article has taken an in-depth look at the best emergency loans, highlighting which providers offer this type of financing and how you can apply for it today.

Those looking for fast, same-day emergency loans can apply using Viva Payday Loans. This provider offers up to $5,000 in funding and offers an all-digital application process that can be completed in minutes.


How can I get same day emergency loans?

Online emergency loans can be applied for by partnering with one of the providers in this article, many of which can facilitate same-day transfers.

Does it cost to ask for emergency money immediately with bad credit?

The providers mentioned in this article do not charge any upfront/hidden fees, which makes the whole process cost effective.

Which providers offer bad credit emergency loans?

All of the fast emergency loan providers mentioned above will accommodate applications from people regardless of their FICO score or credit history.

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 advisor if you need financial assistance. Loans available only to US residents.

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