Fast & Easy Emergency Loans for Bad Credit: No Hassle Cash Assistance

No time to lose, you face a crisis situation requiring money and action. But what to do? A strangling tight grip can be felt in your chest, your breathing becomes shallow as your pulse races. Personal emergency loans may be able to help.


If you need an instant, guaranteed, right now method to borrow money, but your bad credit means you won't get approved at your bank (too slow anyway)...

Fast & Easy Lending for Emergencies: No Hassle Cash, Even for Bad Credit

Personal Loan Offers - $500 up to $25,000

image descriptionimage description Details
  • Job / Residency Required
  • Good & Bad Credit Programs
  • Repayment up to 60 Months
  • Fast 7 Minute App (Easy!)
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"A Helping Hand To Buy The Time You Need"
- Ariel Pryor

Get powerful offers direct, top rated companies standing-by to help you. Avoid the costly mistakes I made as we reveal the secrets to mastering money and getting all you desire out of life.

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...this is exactly the emergency situation these loan options were created for.

Regardless of what caused you to have a bad rating, your score prevents you from having easy access to borrow money when you need it most.

The emergency cash advance funds provide you a way of getting hassle-free cash fast...

A bad financial history restricts your access to loan amounts of any size. In a time of urgent need this can be catastrophic. Bankruptcy, late payments, and high balances can literally shut the door to low interest money when you need it most.

emergency money for people with bad credit

Traditional loan terms and aprs can be closed if, in the past, you failed to fulfill your obligations to repay borrowing arrangements.

Any number of situations could have prevented your ontime payments (most commonly job loss or illness).

Many lenders will be skeptical of lending money to you in fear that you will not be able to fulfill the obligations you are trying to qualify for. In the cases you are lucky enough to get approved for a loan, you will be asked to pay eye popping interest rates and jaw dropping financing costs while the people with good credit scores walk in and out smiling smugly getting money with a quick handshake, no collateral, high loan amounts, and loan fees.

When urgent help with expenses is needed, situations where interest rate and loan amount are critically important, emergency lenders offering customers a loan approval are a life saver.

You may need to pay your utility bills, cover emergency expenses, or use the loan proceeds for home repairs. Perhaps your car sputtered its last breath and the vehicle needs repairing fast to avoid getting fired from your job.

Or... your brother has been arrested again and turned to you to get bailed out so as not to spend the night in jail, or god forbid, you find yourself facing emergency medical bills for the health of you or a loved one.

If your credit card is maxed out, don't have an emergency fund, or a personal relationship with your credit union - your choices are limited.

bad credit problems

No Credit Check Loans for Emergencies

To meet this need, lenders created flexible financing products for emergencies, also known as hard money financing or second chance borrowing programs. You can use the emergency loans for rent, for bills, bail, whatever you need, no questions asked. Emergency lenders allow people to get near instant loan money when they need it regardless of their debt-to-income ratio, and credit history.

Payday loans are short term loans that can be accessed immediately funding directly to your bank account within an hour, the same day, or 24 hours depending on the lender and state. Your average payday lender will not ask applicants for a credit report, unless you feel it is good enough to help you qualify for lower origination fees or a better loan agreement.

These programs focus on easy approval, application requirements, and quick funding. Eligibility requires you to be employed in a job for at least half a year and must be 18 years old. The length of the loan term, cost and availability are contingent on the borrower's profile. You will be asked to document employment with a steady income for an approval decision. The primary requirement to get approved is showing a record of monthly earnings, no less than a thousand dollars, to show a means of being able to repay what you borrow.

For funding you will be required to have a valid and active bank account for the past three to six months which will be used to wire the cash you borrow direct. The above qualification requirement is actually a double-edged sword for the borrower, as there are two reasons as to why lenders ask for banking information. First for funding the money you borrow, and secondly as a source for repayment in following with your agreed upon repayment terms.

If you become delinquent in your payment of the repayment as stated in your contract, the lender can deduct what is owed from this bank account.

If you meet the qualification standards outlined in the above process, you can borrow a range of money from $100-$10,000 depending on the lender. The repayment periods for these creditors also vary, from two weeks to many months. Just be sure to review all documents and give yourself enough time to easily repay your payday loan back without overburdening yourself.

If you could benefit from a longer repayment period, check out our recommended debt consolidation loan offer allowing for extended debt restructuring and repayment extension options...

Alternative Unsecured Financing Options

Another option to pay off credit cards with availability in more states is to consider an installment loan or a personal loan. The application for these financing types is relatively simple, though a credit check is usually required when appying for loans online for an approval decision. As opposed to payday lenders, these creditors provide longer terms for repayment and can be used as a crisis loan. The funding availability of personal loans within 24 hours from the time of application makes these urgent loans a great option in a pinch.

Repaying Your Emergency Loan

"Powerful help to take care of the in-your-face money problems..."

Borrowing money is not all sunshine, butterflies and moonbeams. Your average emergency option should be expected to have high interest and charges. Borrowing fee schedules, all origination fee costs to be charged the customer based on the amount borrowed should be up front, and notice of all repayment dates provided. This is the trade off for getting no hassle financing with almost no questions asked.

The market for getting an crisis lending is big, with a number of lenders who have different interest rates which you should review in comparison prior to borrowing money. To find reliable loans for bad credit use the internet, period. Online, you can compare the rate quotes of various lenders from the comfort of your own home and pick the financing that will be best suited to how much money you need to borrow, the time requirements for your emergency, and your ability to repay what you need.

falling behind on bills

Once the money is re-paid, the lender be satisfied and will be open to future lending should you need it. If your timely payments are reported to the credit bureaus you will also be improving your credit score getting you one step closer to qualifying for cheaper, better personal loan offers.

However, borrowing too much causes you to risk falling into what is called a debt-trap, meaning you have too many lenders seeking repayment for monies borrowed, leaving you unable to meet your obligations with your current paycheck.

In falling behind, you incur penalties that make it more difficult to pay everything as agreed, resulting in a vicious cycle of paying interest and penalties without deducting money from your loan balance. A good way of avoid the dept-trap would be to make sure not to borrow too much at once and to use autopay for repayment.

Emergency Lending Alternatives

The best alternative to emergency payday loans would simply be saving a personal fund for times of crisis, allowing you to draft from your savings when necessary. For more information, visit the FTC to read about disaster assistance. This type of saving strategy would make alternative financing unnecessary, though not everyone is always prepared for when trouble strikes and it is good to know your options.

For people with bad credit, emergency options are a vital tool for borrowers who are in dire need of money and do not have the time to wait to get approved for a traditional bank loan, which will require enduring the qualification review documentation standards that come hand in hand with traditional financing.

However, money borrowed using available lenders also has its negatives, and it is up to you as the borrower to understand the uses, track the payment schedule and assess the benefits for your family. Managing your finances effectively is a choice.

* Important Note: All collection practices of these lenders will always be in accordance with the principles of any federal regulations. A typical APR for the financing listed ranges from 261% to 1304% for a short term loan. Failure to repay the loan on time, delinquency or defaults on the registered account could negatively impact your credit score. Renewal policies vary for every lender, please read all the print presented on the application page.

Emergency Cash Loans
  • Post-Bankruptcy & Bad Credit OK
  • Require: Employment & Checking Account
  • Lending Range Given: up to $100 to $1,000

You will be asked a few simple questions to determine eligibility. Program details are provided up front prior to obligation. Review the details of your new loan and accept to get your money funded direct to your account.

Don’t Miss Out

Don't be left out in the cold when killer new offers are made available, so you can sit back and save...