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2022’s Best Emergency Loans For Bad Credit: Top 4 Direct Payday Lenders With No Credit Check & Low Interest Rates

Financial emergencies are unavoidable – they happen to everyone. No matter how hard you try to be reasonable and plan your finances in advance, you can still experience trouble. Whether it comes down to a medical emergency, an accident, or even a wedding planning or attending, there are things in life that you simply cannot predict.

Whenever a financial emergency occurs, you should know that it’s not the end of the world. The best thing you can do when you find yourself in a stressful situation like this, is to try to remain calm and assess your options. Emergency loans with bad credit are our solution to these problems.

Emergency loan networks offer people with financial problems an instant loan, even if you don’t have a perfect or a good credit score. However, it is very important that you learn about emergency loans and how they work so that you can make a well-informed decision when faced with such an emergency.

To try and make things just a little easier for you, we have put together a list of the best online bad credit emergency loan networks.

Best Bad Credit Emergency Loan Lending Company

  1. MoneyMutual Payday Loans: Overall Best Emergency Loans With Bad Credit, Top Pick
  2. Bad Credit Loans: Top Quick Payday Loans With Bad Credit
  3. Best Interest Rates For Fast Cash Loans
  4. Personal Loans: Most Trusted Personal Loans For Bad Credit

#1. MoneyMutual Payday Loans:Overall Best Emergency Loans With Bad Credit, Top Pick


Offering loans up to $5,000, MoneyMutual is our best pick when it comes to bad credit loans. Even though they specialize in payday loans, MoneyMutual also offers a lot of other options when it comes to bad credit loans.

As of their foundation in 2010, their main focus is always providing the best solutions to financial challenges, including financial emergencies. MoneyMutual acts as a bridge that connects borrowers with bad credit scores to lenders that are willing to offer loans regardless of the score. And sometimes they manage to achieve this goal in as little as 24 hours.

After recognizing the need for loans in America, MoneyMutual made a commitment to provide every person in need the possibility of an affordable loan. They have also devoted a lot of time and effort into simplifying the application process to a 5 minute task.


Customer Satisfaction

MoneyMutual is one of the largest online loan networks – with over two million satisfied customers they are also our first choice when it comes to emergency loans. To testify for this they even include reviews from some of the people they’ve helped out throughout the years. But they don’t stop here other than the positive reviews, they also feature a complaints section on their website, which encourages users to express any complaints on concerns, and therefore contribute to making a good platform even better.


To help prevent security risks, MoneyMutual runs daily scans by TrustedSite. To protect all data collected from customers they use generally accepted standards and AES-256 bit encryption.


Valuing that education is key for people faced with financial emergencies, MoneyMutual features a lot of informational resources on their website. These include:

Frequently Asked Questions

If you’re new to the online lending platforms, chances are you aren’t quite familiar with how these things work, what’s required from you, and what you should expect from the platform. For these purposes, MoneyMutual features a FAQ section with lots of questions asked by previous users. From questions as simple as ‘Do I qualify?’, to more specific questions regarding income and payment options, we believe that this section has answers to a lot of your questions.

Bad Credit Loans Guide

Demonstrating excellent care for their customers, MoneyMutual features a detailed guide to bad credit loans. Within this guide they go into the depths of payday loans and short-term installment loans, so that users can get a better understanding and decide which works best for them.

The guide also includes a detailed step-by-step tutorial on how to get a loan with bad credit.


Regarding the fact that MoneyMutual is not a lender, they take no action in determining the final requirements needed to qualify for a loan. But given their years of experience and understanding of the lenders and lending networks they cooperate with, they have some basic requirements you need to meet in order for them to try and match you with a lender:

  • Be at least 18 years old
  • Currently have a job, or receive another regular income
  • Make at least $800 a month in verifiable income
  • Have a United States citizenship
  • Have an active checking account


  • Simple application form that can be filled out in as little as 5 minutes
  • Mobile-friendly platform
  • Loan amounts up to $5,000
  • No fees to use the platform


  • Available only to United States residents, excluding Connecticut and New York
  • Long term loans aren’t available

Why do we recommend MoneyMutual Payday Loans?

Other than the brand’s reputation and reliability, the thing that undoubtedly made us choose this site as our favorite were the customer reviews. Reading through various users’ testimonies about how they were able to exit a bad situation thanks to MoneyMutual was really convincing.

Besides the success stories, we’ve found that customers are also very satisfied with the overall performance of the platform. Users reported they were able to file an application within minutes, and also pleased by the time it took for their applications to be processed and reviewed.

⇒ Visit the Official Website of MoneyMutual

#2. Bad Credit Loans: Top Quick Payday Loans With Bad Credit


The second best on our list had to be Bad Credit Loans. Offering slightly higher loans ranging from $500 to $10,000 – Bad Credit Loans specialize in emergency loans with bad credit, as suggested by their name.

They feature an extended network of lenders – both state and tribal. In rare cases when they cannot find a suitable lender from their network, they try matching users with lenders outside of their network. If this also fails, users are offered the possibility to consider other financial companies offering debt relief and credit repair.

Bad Credit Loans are very careful when it comes to users’ personal information. They have a whole section on their website that explains to users how information is used and shared: while acting as middlemen between borrowers and lenders, Bad Credit Loans understandably have to share user information to potential lenders. If they don’t succeed in connecting users with some of the lenders in their own network, they forward this information to outside lenders and third-parties that might be able to offer assistance.


Educational Content

Understanding the importance of working with knowledgeable customers, Bad Credit Loans offer a lot of educational content on their website. This includes tips on when you should consider taking out a loan, tricks on how to spend the lent funds responsibly, and even useful information on budgeting future incomes in order to repay your loan as fast as possible. We strongly recommend going through these articles if you want to make a well-informed decision.

Simple Application Form

We really like the simplicity of the application form featured on this website. Required information is separated into a couple of sections, making it very easy and intuitive to fill out. Starting with basic information about the loan and borrower, the interface gradually moves to more specific information including banking and credit info, throughout five simple information sections.

Scam Alert

Customer importance is demonstrated in the Scam Alert section. Given the fact that people found in difficult financial situations are often targeted by online scammers, any information that might help you protect yourself is more than welcome. In the Scam Alert section you can learn how to spot a scam, and also find a variety of previously reported online scams.


Judging by the name, Bad Credit Loans will most definitely not require you to have a perfect credit score in order for them to try and match you with a lender. And although a potential lender might have additional requirements and criteria, these are the few requirements stated by this website:

  • Be at least 18 years old
  • Currently have a job, or receive another regular income
  • Proof of citizenship (social security number, or legal residency)
  • Have an active checking account
  • Provide work and home contact numbers
  • Provide a valid email address


  • No fees to use the platform
  • Wide range of loan amounts from $500 to $10,000
  • Fast transfers after loan acceptance
  • 24/7 service
  • Mobile-friendly platform


  • Personal information might be shared with third parties in order to find a better solution to your problems

Why do we recommend Bad Credit Loans?

One of the things we’ve liked best about Bad Credit Loans is the value they have for both existing and potential clients. Many websites are simply interested in matching you with a lender and cashing out as fast as possible. But Bad Credit Loans show genuine dedication to educating both existing and potential clients by regularly adding educational loan content, along with some useful tips and tricks to protect you from online scammers.

⇒ Visit the Official Website of Bad Credit Loans

#3. Best Interest Rates For Fast Cash Loans

image is another popular option for emergency loans. Featuring an extensive network of both state and tribal lenders, this website provides services for over a million users. They offer borrowers convenient and fast service, and use industry-standard encryption to protect personal information.


Educational Center

You know you’ve found a reliable website when you see an extensive library of educational content, and is no short of that! They present valuable resources to clients in order to help them make a well informed decision about emergency loans. Other than that, they also include financial education on debt calculation, financial priorities and determining credit scores. You can even find useful tips and tricks on how to buy a gift on a budget.

Nonpayment Ramifications is one of the few websites that also features information on what could happen if things go wrong for a borrower. They also inform potential borrowers of the financial implications of a loan and the implications in case of non-payment. We strongly recommend that you familiarize yourself with these implications before making a decision to take out a loan.

Fast Loan Request Processing

Loan applications are quickly processed and immediately sent to potential lenders to review. Once you decide to accept a loan offer, the funds can be transferred into your account within 24 hours, depending on the time of the day.


Even though requirements can vary between lenders, there are still some general requirements you need to meet in order to be eligible for an emergency loan on their network:

  • Be at least 18 years old
  • Be employed for at least 90 days
  • Make at least $1,000 a month after taxes
  • Proof of citizenship or permanent residentship
  • Have an active checking account
  • Provide a valid email address and phone number


  • No fees to use the platform
  • High loan amounts going up to $10,000
  • Loan durations between 90 days to 72 months
  • Short application processing times
  • Auto pay and online payments


  • Compared to other competitors, a slightly higher income of $1,000 is requested

Why do we recommend

One of the best features of we really appreciated is their Educational Center. You can tell that they place great importance in educating potential clients. Unlike other websites that are only concerned about cashing out as fast as possible, encourages people to take the time, explore all options carefully and reevaluate their loan decision. If you still decide that getting an emergency loan is your best option, they also offer a lot of valuable information on how to best manage and repay loans.

Other than their great resources, we also found that people are very satisfied with the fast and convenient service along with the security provided by this network. However, some users have found the interest rates offered by’s lenders to be particularly high.

⇒ Visit the Official Website of

#4. Personal Loans: Most Trusted Personal Loans For Bad Credit


The last on our list for the best emergency loans with bad credit is Personal Loans. Working closely with established lending partners such as One Main Financial Services, One Main Financial Group and One Main Consumer Loan, they offer a fast and convenient way to get an online emergency loan.

One of the things that makes them stand out from the other sites we’ve reviewed is the loan amount – they offer the largest loans ranging from $1,000 to $35,000. Considering the large loan amounts and the extensive network of lenders offering competitive interest rates – A personal payday loan could easily be the solution to a lot of people’s problems.


Simple and Straightforward Application Form

Personal Loans have exceeded our expectations when it comes to the loan application form. To get you started, all you have to do is enter the loan amount directly to their homepage. Once you submit the amount, you’re redirected to the application form.

The application form is pretty straightforward. Information is divided into five sections to make it easier to fill out. After you’ve appropriately filled out an information section, you can easily continue to the next one. If you have all your information in hand, these five sections can be easily filled out in less than five minutes.

A large part of their customer base are returning customers. To make things easier for them, Personal Loans also provide the opportunity to look up existing accounts so returning customers don’t have to fill out an application form every time they come back. Instead, the only thing they are required to fill out is the loan amount.

Loan Guides

Personal Loans offer a wide variety of loans specific to the nature of the financial problem. From payday, to tax and emergency loans – they’ve got you covered. But along with the wide variety of loans, they also provide a lot of information that you need to know when deciding to take out any of those loans. This includes detailed explanation of different loan types, possible alternatives to getting a loan, guidelines on how to apply for your preferred loan and what to look for when considering a loan offer.


Similar to the other sites we’ve reviewed so far, Personal Loans also don’t decide on the final requirements that potential lenders might have. On the other hand, they do have a couple of specific requirements that a borrower has to meet in order for them to introduce them to potential lenders:

  • Be at least 18 years old
  • Proof of citizenship (social security number)
  • Be full-time or self-employed, or receive some regular benefits
  • Have an active checking account
  • Credit record (it is not necessary to have a good or excellent record, but you have to provide your credit record)


  • No fees to use the platform
  • Loan amounts up to $35,000
  • Fast transfers after loan acceptance
  • Wide network of lenders
  • Loan durations between 90 days to 72 months
  • Convenient repayment terms are listed as options


  • Your credit record is always taken into consideration which might result in disapproval in some cases

Why do we recommend Personal Loans?

The one thing we really liked about Personal Loans is the simplicity and the ease with which you can apply for a loan. And once you get an offer you choose to accept, the funds can be transferred into your account as soon as the next business day. This means that you could be out of financial trouble in no time.

Since Personal Loans is our best pick that offers considerably larger loan amounts that go up to $35,000, we strongly recommend this as a great option to people who need larger loans. If your information meets the criteria of highly established lenders, you might also get a great deal with competitive rates.

⇒ Visit the Official Website of Personal Loans

Emergency Loans With Bad Credit: Ultimate Guide

The best thing to do when faced with a financial emergency is to remain calm and explore all of your options. In order for you to choose the best loan, you must first understand emergency loans with bad credit and how they work before considering online lenders. We hope that our guide will help you get a better understanding of emergency loans, and even help determine which loan works best for you.

So with no further ado, here’s our list of the most important things to consider when choosing a bad credit emergency loan:

Loan Terms and Conditions

We cannot stress enough how important the loan terms and conditions are. Loan terms and conditions aren’t regulated or defined by the loan network, but by the specific lender that decided to give you a loan offer.

Once you apply for a loan on any of the above platforms, the loaning network doesn’t review the information that you’ve submitted – this is left for the lenders to do. If a lender decides to make you a loan offer, he defines the terms and conditions based on this information.

You should always be aware that you’re not obligated to accept any offer. Even though applying for an emergency personal loan means that you’re in a rush, please take your time to carefully review each part of the offer.

You should also be aware that loaning networks never interfere outside of their general obligation – connecting a lender to a borrower. This means that they can’t be held accountable for any of the terms that you’re signing up for when accepting a loan offer. Accepting a loan with its terms and conditions is entirely your decision.

Now that you know all this, here are a few things you should always consider before you accept a loan offer:

Repayment Policies

Repayment Policies define the repayment process. They define the duration of the loan, the number of payments you will have to make in order to repay the total debt, the amount of those payments and whether they are fixed or vary according to some factors.

Interest Rates

An interest rate defines the cost you are going to pay the lender for giving you a loan.

Let’s say you’re taking a $2,000 loan with an interest rate of 10%. This means that besides repaying the $2,000 principal, you will also have to pay 10% of the principal – or additional $200 to your lender as a cost of their services. So, for a loan of $2,000 with an interest rate of 10%, the total amount that you will have to repay is $2,200.

You should be aware that it is likely that emergency loans have higher interest rates than traditional bank loans.

Late Payment Fees

A late payment fee is a charge you need to pay each time you fail to make a payment on time. These fees must be explicitly outlined and you should only accept loan offers with reasonable late payment fees, or else risk additional indebtedness.

Early Redemption Penalty

An early redemption penalty is a fee you might be required to pay the lender if you want to repay the loan ahead of schedule.

With long-term loans, the interest rate can be defined on an annual basis. In this case, repaying the loan in advance results in you paying a smaller interest, compared to the interest you would have paid over an extended period of time. So early redemption penalties are basically a way for lenders to make sure that they receive a predefined interest regardless of you paying out the loan in advance.

Loan Amount

With the market for secured and unsecured personal loan lenders rapidly expanding, the accessibility to extensively large loans is also rising. And the fact that a large loan is available online doesn’t mean that you have to choose the highest option. You should always do the exact opposite – take the least you can.

Larger loans result in higher interest fees, and most of the time larger loans can lead to extended loan durations. Considering this, when opting for a larger loan you significantly exceed the cost of the loan. And while a larger financial deposit can be very appealing at first, it is definitely a mistake that can cost you a lot in the long term.

Loan Duration

Loan duration defines the time you will have to repay the total of your loan. And similar to the amount of the loan, we always recommend considering the shortest duration possible.

Why is that? Because with long-term loans and annual interest rates you further debt yourself with every month that you chose to prolong the duration of your loan. Certainly the possibility of making lower monthly payments sounds better than making higher ones, but in the long term this will save you a lot of money.

Network Requirements

Similar to the terms and conditions, the loan requirements are mostly defined by the particular lender, and not the loan network. However, networks also have some basic requirements that you have to meet in order for them to try and find you a suitable lender.

There is one requirement that’s common for every network and lender: you have to be at least 18 years old, which is the legal age for a person to be eligible for a loan. Other requirements include a proof of citizenship and a regular income that can be easily validated.

Other than those general requirements, some networks require all applicants to have a predefined minimum credit score requirement and monthly income in order to qualify for a loan. This requirement usually varies between platforms, and is something you should check before applying.

Website Safety

Regardless of the other requirements, your personal information and bank account is something that all lenders will require. Knowing that working with sensitive data on large networks can be quite a challenging task, you should always consider how websites are handling their safety. With this in mind, we’ve made sure that all networks that made it to our list are using generally accepted standards and encryption protocols.

Privacy Policies

Other than the protection from outside risks, you should always be aware of the way the website is using and sharing your data. Understandably, loan networks have to share your information with potential lenders in order for them to decide if they want to offer you a loan or not. But if you’re uncertain if some website is sharing your information responsibly, we recommend that you read their privacy policies.

Emergency Payday Loans With Bad Credit: Assessment

The internet is full of lenders and networks that offer bad credit emergency loans for you to choose from. But the extended choice also includes some predatory lenders looking to profit from your troubles. We’ve researched a lot of different sites to help you consider only the best and avoid loan offers from fraudulent lenders.

Sites have been assessed based on the following criteria:


We’ve carefully researched the safety of these loan sites. By going through the standards for personal data protection they use, as well as the precautions they take to minimize safety risks, we’ve ensured that all of the sites that made it to our list use generally accepted standards when it comes to their clients’ protection.

Customer Experience

Another important criterion while reviewing websites was positive customer feedback. We went through both positive feedback and complaints to make sure we included the best possible choices according to existing customers.


In addition to site credibility and what existing customers had to say, we also researched their reputation. By conducting both qualitative and quantitative methods, we were able to find the most reputable emergency loans that also accept minimum credit score.

Interest Rates

Even though bad credit emergency loans already have a reputation of having high interest rates, we still did our best in terms of finding the options with lowest interest rates. You should be aware that interest rates are mostly defined by lenders and might vary from one to another, even though they operate on the same network.

Frequently Asked Questions Regarding Emergency Loans

Q1. How To Apply For Emergency Loans With Bad Credit?

Bad credit emergency loan agreements are intended to cover unexpected expenses. They are widely available online, and also very easy to apply for. You can do so by following the next steps:

Find the right lender network for you:

If you’ve carefully read the above reviews and the guide you probably know how to do this. Consider what you are looking for in a lender, and find the best network that offers everything you need.

Fill out an application form:

Application forms are usually very straightforward and only require some basic information. This typically includes basic personal information, bank and credit info by credit union, and contact information from your employer. If you have your bank info and employer contact in hand, you can do this in less than five minutes.

Wait for a loan offer:

Once you’ve submitted the application form, the next thing to do is wait for a lender to contact you with an offer. Depending on your application, the waiting time might vary. All lending networks from our list guarantee instant application processing, and the time it takes for you to get an offer is particularly short.

Review the loan offer:

As soon as you receive an offer, you have to read and review it carefully. The loan offer includes all of the terms and conditions referring to the loan, so you have to pay attention to every detail that is listed here.

Accept or reject the offer:

After you’ve taken every part of the offer into consideration you can decide whether to accept or reject the loan offer.

Q2. Will An Emergency Loan Impact My Credit Score?

Yes, an emergency loan can impact your credit score, both positively and negatively. Since outstanding debt, new debt, credit history and credit mix usually make up for over 60% of your credit score, a new emergency loan will definitely make an impact on your score.

If you demonstrate that you’re a responsible borrower, an emergency loan can make a big positive impact on your credit score. Making timely payments and repaying your loan on time is a great indicator that you handle your debt responsibly. It can be a great advantage for you the next time you decide to apply for a loan.

However, an emergency loan can also further decrease your low credit score. If you try to apply for another loan shortly after you’ve taken out an emergency loan, your application can easily be rejected based on the fact that you already have a lot of debt to handle. And while paying your loan in a timely manner can increase your score, failing to do so will definitely decrease it.

Q3. How Fast Can I Get A Bad Credit Emergency Loan?

Emergency loans are often very fast and convenient – depending on the circumstances. If the information you’ve provided meets the requirements of a potential lender, you can get an offer on the same day as the application. Once you accept an offer, based on your lender’s availability you could receive the funds within the next business day. However, certain lenders might need more time to process your application, as well as to release the funds.

Q4. How Do Loan Networks Make Money?

You’ve probably noticed that all of the platforms we’ve reviewed offer services to borrowers free of charge. Loan networks charge lending parties and not borrowers. They collect your information and share it with potential lenders or other finance-related services that might be interested in offering you their services. If any of these want to work with you, they pay the lending network to connect them with you.

Q5. What Are The Advantages Of Online Loans Compared To Traditional Bank Loans?

There are many differences between online and traditional bank loans. If you’re looking for a bad credit emergency loan, we believe that online loans could be a better option for you, considering its advantages:

Fast application

The key advantage of an online emergency loan is the short application process. Lending networks have reduced and simplified loan application forms to short lists of basic information. Unlike a bank loan that requires you to go all the way to their branch offices and fill out a lot of paperwork in order to apply, application for online loans usually takes no longer than five minutes.

Fast processing

Fast processing is another advantage if you’re looking for an emergency loan. And compared to traditional loans, online loans are processed way faster. Your application form could be processed and shared with potential lenders within seconds after it’s submitted. Given the fact that online loans require a lot less information, lenders can easily review your application and decide whether to give

you an offer in short notice.


Online loans allow you to apply for a loan from the convenience of your home, at a time that works best for you. Some of these platforms are also mobile friendly which makes them even easier to access. It takes just a couple of clicks to apply for a loan and the funds will be deposited straight to your account.

As opposed to online lending networks, banks have specific working hours, and require you to go to their branch offices in order to apply for a loan. If your loan gets approved, you then have to come back and finish off the paperwork.

Operating costs

Most online lending networks operate free of charge for the borrower – instead they charge the lender. Banks on the other hand might impose some charges for application and/or approval.

Conclusion: Can You Get Emergency Loans For Instant Cash?

Emergency loans with bad credit card cash advances can be a great solution to your financial problems. If you manage to handle them responsibly they can even help you improve your bad credit score.

We hope that our reviews and guides have helped you educate yourself in financial terms and make a well-informed decision about taking out a loan. But if you still have some uncertainties, we strongly recommend that you check out the websites of the lending networks reviewed in our list. We believe that you can find an answer to all of your questions there. And if that’s not the case, we encourage you to contact their customer support and ask for all the help you need.

The news and editorial staff of Sound Publishing, Inc. had no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

Sound Publishing, Inc. does not accept liability for any loss or damages caused by the use of any products, nor do we endorse any products posted in our Marketplace.

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