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5 Best Emergency Loans for Bad Credit & Same Day Approval No Credit Check in 2022

Do you have enough cash to fall back on in an emergency? Emergency loans made available across the United States have helped ordinary Americans, just like you, make ends meet in the face of sudden and inconvenient emergencies. Unfortunately, ER doesn’t discriminate, and unless you have healthy savings, you may find yourself overwhelmed. While same-day emergency loans are readily available, how do you know which ones are the most viable? This overview seeks to find out!

Best Emergency Loans 2022 – Quick Overview

  • Viva Payday Loans – Ideal for emergency same-day loans
  • Heart Paydays – Ideal for quick application and disbursement
  • Credit Clock – Ideal for emergency loans for the unemployed
  • Money Lender Squad – Ideal for flexible loan amounts and repayment schedules
  • Very Merry Loans – Ideal for small loans and credit building

General Eligibility Criteria for Bad Credit Emergency Loans

Same-day emergency loan providers have varying terms and conditions, but in general, eligibility criteria include:

  • Applicants must be at least 18 years old
  • You must have a valid ID
  • You must have an active US bank account
  • You must have a permanent address in the United States
  • You must pass an affordability assessment

Best emergency loans – full reviews

Whether you’re looking for standard same-day emergency loans or need a solution for out-of-work emergency loans, it can be difficult to determine which options are right for you. The following top 5 loan finder services can connect you with the most viable emergency loan providers in your area:

1. Viva Payday Loans – Best for Emergency Same Day Loans

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Viva Payday Loans connects borrowers to emergency loans with an APR ranging from 5.99% to 35.99%. This emergency loan comparator is considered a good all-rounder because online application only takes a few minutes, payments are made the same day as approval (in most cases), loan amounts range from 100 $ to $5,000 and repayment terms are flexible, ranging from 2 to 24 months.

Applicants just need to click “Apply” on the website and complete the online form to apply for emergency loans directly from lenders, wait two minutes for a result, and then receive the money in their account. bank, if approved by one of their lenders. the partners. If you are 18, earn at least $1,000 per month, have a valid ID and bank account, you can apply for emergency same day loans for bad credit through Viva Payday Loans.


  • Simple eligibility requirements
  • Same day disbursement
  • Flexible repayment terms

The inconvenients

  • Expensive form of borrowing

Click here to request funds from Viva Payday Loans >

2. Heart Paydays – Best for quick application and disbursement

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Heart Paydays is not your average emergency loan provider. This loan search service connects borrowers with the lenders most likely to approve their loans absolutely free. Heart Paydays panel lenders prioritize fast processing of applications and fast disbursement of funds. While interest rates range from 5.99% to 35.99%, Heart Payday’s same-day emergency loans offer the kind of convenience and speed that traditional banks can’t.

Applying online for emergency loans imposes a minimum of frustration. By selecting the amount you wish to borrow, the duration of the loan over which you can afford to repay it and entering your personal data (surname, first name, address, bank details, professional data and a list of your expenses), you can get your loan application sent to a variety of major lenders in minutes.


  • Up to 24 months to pay
  • Bad borrowers are not discriminated against
  • Online application only takes a few minutes

The inconvenients

  • Some lenders charge early settlement penalties

Click here to request funds from Heart Paydays >

3. Credit Clock – Best for Emergency Loans for the Unemployed

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Credit Clock matches borrowers with lenders providing emergency funding from $100 to $5,000 within hours. With 2 to 24 months to repay emergency loans, borrowers can comfortably afford to settle their loan plus interest.

APR rates typically range from 5.99% to 35.99%, and just like other emergency loans for bad credit providers, penalties for early or late payments on installments may apply. If you can afford the scheduled monthly payments, you could potentially access emergency jobless loans. In such cases, you will need to prove that you earn at least $1,000 per month through other means.


  • The easy online application process
  • Emergency loans for the unemployed are available
  • Get emergency loans in hours

The inconvenients

  • Not all requests are guaranteed to be approved

4. Money Lender Squad – Best for flexible loan amounts and repayment schedules

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Money Lender Squad offers quick and easy access to some of the best emergency loans online. Candidates must have their supporting documents (identity document, bank statements, payslips and proof of residence) at hand. To apply, borrowers must be 18 years of age, have a permanent job, reside at a permanent address in the United States, and pass an affordability assessment. Bad credit emergency loans are sometimes negotiated if the applicant proves that they are affordable and meet all the other criteria listed by the lenders.


  • Application process in 2 minutes
  • Bad credit borrowers are welcome to apply
  • Same day payments

The inconvenients

  • Interest can reach 35%

5. Very Merry Loans – Ideal for same day emergency loans and credit building

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Very Merry Loans offers instant, same-day emergency loans from $100 to $2,000 that borrowers can repay over 2 to 12 months. The online application process is simple and only takes two minutes. To qualify for a fast no credit check emergency loan with Very Merry Loans, you must be at least 18 years old, able to pay the installments (proven with an affordability assessment) and have a stable earning job. at least $1,000 per month. Once a borrower’s application has been approved by a lender, they are put in direct contact with the lender to finalize the deal. APR rates at Very Merry Loans range from 5.99% to 35.99%.


  • Good for building credit if you have no credit history
  • Low and affordable loan amounts
  • Flexible repayment terms

The inconvenients

  • A bad credit rating can result in the rejection of the application

What are same day emergency loans?

Same-day emergency loans are quick cash loans that are given in a hurry to those who don’t have time to wait for the lengthy processes of traditional banks. They are usually used for unexpected expenses and come with high interest rates. The convenience of emergency loans is that they are usually repaid the same day.


The best bad credit emergency loans provide quick and easy online application forms, same-day payments, and options for unemployed and bad credit borrowers. Viva Payday Loans, Heart Paydays, Credit Clock, Money Lender Squad and Very Merry Loans offer viable financial solutions for those who need cash fast.


Do you get emergency loans without a credit check?

Lenders will carry out regulatory credit checks, but may decide to provide emergency unemployed loans to those with less than perfect credit if the affordability of the loan is proven.

How soon can I get bad credit for emergency loans?

In most cases, same day emergency loans are possible if you apply early in the day and have all your supporting documents and information readily available.

What is the easiest loan to obtain today?

If you are looking for quick cash loans in a hurry, bad credit emergency loans are the best option. These loans offer the kind of convenience and speed that traditional banks can’t.

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. Credit checks are not performed by loan search websites, however, the lender who approves you may perform a credit check. 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.