5 Best Bad Credit Emergency Loans & Same Day Approval With No Credit Check In 2022

Do you have enough cash flow to rely on when emergencies strike? Emergency loans made available in the United States have helped everyday Americans, just like you, make ends meet in the face of sudden and uncomfortable emergencies. Unfortunately, emergencies don’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 profitable? This overview tries to find out!

Best Emergency Loans 2022 – Quick Overview

  • Viva Payday Loans – Ideal for emergency same-day loans
  • Pay days of the heart – Ideal for quick applications and disbursements
  • Credit watch – Ideal for emergency loans for the unemployed
  • Team of money lendersIdeal for flexible loan amounts and repayment schedules
  • Very cheerful loans – Ideal for small loans and credit building

General eligibility criteria for bad credit for emergency loans

Emergency same-day loan providers have varying terms and conditions, but in general the eligibility criteria include:

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

The best emergency loans –

If you are looking for standard same-day emergency loans or need a jobless emergency loan solution, it can be difficult to determine which options are best for you. The following top 5 loan search services can put you in touch with the best emergency loan providers in your area:

1. Viva Payday Loans – Ideal for same day emergency loans

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

Applicants just need to click “Apply” on the website and fill out the online form to apply for urgent loans directly to the lenders, wait two minutes for the outcome and then receive the money into their bank account if approved by one of the their partner lenders. If you are 18, you earn no less than $ 1,000 per month, have valid ID and a bank account, you can apply for emergency same day bad credit loans through Viva Payday Loans.


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


  • An expensive form of loan

Click here to apply for funds from Viva Payday Loans>

2. Heart Paydays – Ideal for quick application and disbursement

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Heart Paydays is not your average emergency loan provider. This loan search service matches borrowers to lenders who will most likely approve their loans absolutely free of charge. Lenders in the Heart Paydays panel prioritize fast application processing and fast disbursement of funds. Although interest rates range from 5.99% to 35.99%, Heart Payday’s emergency same-day loans offer the kind of convenience and quick turnaround that traditional banks can’t.

Applying for emergency loans online requires minimal frustration. By selecting the amount you wish to lend, the loan period that you can afford to repay and by entering your personal data (name, surname, address, bank details, employment data and a list of your expenses), you can obtain your request for loan sent to a variety of top-tier lenders in minutes.


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


  • Some lenders charge early settlement penalties

Click here to apply for funds from Heart Paydays>

3. Credit Clock – Ideal for emergency loans for the unemployed

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Credit Clock matches borrowers with lenders who provide emergency financing of $ 100 to $ 5,000 in hours. With 2 to 24 months to repay the emergency loans, borrowers can comfortably afford to pay off the loan plus interest.

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


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


  • Not all applications have guaranteed approval

4. Money Lender Squad – Ideal 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. Applicants must have their supporting documents (identity card, bank statements, payslips and proof of address) readily available. To apply, borrowers must be 18 years old, have a permanent job, reside at a permanent address in the United States, and pass an accessibility assessment. Bad credit emergency loans are sometimes negotiated if the applicant demonstrates affordability and meets all other criteria listed by the lenders.


  • 2 minute application process
  • Bad credit borrowers are advised to apply
  • Same day payments


  • Interest can go up to 35%

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

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Very Merry Loans offers instant same day emergency loans of $ 100 to $ 2,000 that borrowers can repay in 2-12 months. The online application process is simple and takes only two minutes. To qualify for a quick no credit check emergency loan with Very Merry Loans, you must be at least 18 years old, be able to afford the installments (proven with an affordability rating), and have a stable job earning at least $ 1,000 a 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. April rates at Very Merry Loans range from 5.99% to 35.99%.


  • Good for building credit if you don’t have a credit history
  • Low and affordable loan amounts
  • Flexible repayment terms


  • A poor credit score can result in your application being rejected

What are same-day emergency loans?

Same-day emergency loans are quick cash loans that are quickly provided to those who don’t have time to wait through the lengthy processes of traditional banks. They are typically used for unexpected expenses and come with high interest rates. The convenience of emergency loans is that they are usually paid on 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 debt borrowers. Viva Payday Loans, Heart Paydays, Credit Clock, Money Lender Squad and Very Merry Loans offer viable financial solutions to those who need cash quickly.

Frequent questions

Get Emergency Loans Without Credit Check?

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

How fast can I get bad credit on emergency loans?

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

What is the easiest loan to get right now?

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 fast turnaround times that traditional banks cannot offer.

Disclaimer – The above content is not editorial and Economic Times hereby disclaims any warranties, expressed or implied, relating thereto and does not necessarily guarantee, warrant or endorse any of the content. The loan websites we surveyed are loan matching services, not direct lenders, so they have no direct involvement in accepting your loan application. Applying for a loan with websites does not guarantee any acceptance of a loan. Credit checks are not conducted by loan research websites, however, the lender who approves you can perform a credit check. This article does not provide financial advice. If you need financial assistance, ask a financial advisor for help. Loans available only to US residents.

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