Top 5 Same Day Emergency Loans For Bad Credit Guaranteed Approval 2022

Top 5 Same Day Emergency Loans For Bad Credit Guaranteed Approval 2022
Top 5 Same Day Emergency Loans For Bad Credit Guaranteed Approval 2022
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Since the exact requirements for emergency loans can vary from one lender to another, you will need to examine each possibility individually. To make this whole process easy for you, we've researched and compiled a list of the top 5 best online emergency loan finder services. Continue to read to know more about our editor's top picks.

Best Emergency Loans Online 2022 - Quick Overview

Here are our editor's picks for the top online emergency loan matching services available. This way, now you won't have to go the extra step of evaluating several loan websites. 

  1. Viva Payday Loans: Overall Best For Emergency Loans 
  2. Low Credit Finance: Best Emergency Loans for Bad Credit
  3. Big Buck Loans: Best for Instant Approval Online Emergency Loans  
  4. Credit Clock: Best for Quick Emergency Loans Without Credit Check*
  5. Green Dollar Loans: Best Loan Matching Service for Same Day Emergency Loans

Best Same Day Emergency Loans For Bad Credit 2022

The following is a concise description of all you need to know about the top online loan matching services for quick emergency loans in the United States.

  1. Viva Payday Loans: Overall Best Emergency Loans Finder Service

Viva Payday Loans is one of the most trusted sources of emergency loans since it makes it possible for borrowers to get quick emergency loans from different lenders. The website functions as a third-party platform that facilitates connections between borrowers and lenders. 

Depending on the conditions of the loan, either the lender or a third-party credit bureau could check the borrower's credit history. Although the website does not directly engage in lending or borrowing, it does collaborate with reputable personal loan lenders to provide instant quick emergency loans. The loans that these lenders may offer are subject to a wide range of terms and conditions. 

Viva Payday Loans is our top pick for the most outstanding overall emergency loan. It has a large network of lenders who may offer loans with adaptable payback periods. Not only can Viva Payday Loans link clients with low credit scores for affordable emergency loans, but it may also provide secure alternative options if you can't qualify without collateral or want a better interest rate. These value-added characteristics distinguish it from other loan matching services.

This platform allows you to choose from loans ranging from $100 to $5,000. You can pay back the loan amount over 2 to 24 months, depending on the terms and conditions set by the lender. In addition, it connects you with lenders that can provide loans in the quickest amount of time possible. 

You must understand that submitting an online application for an instant emergency loan does not guarantee that you will receive the funds. However, Viva Payday Loans have many lenders to help you get the much-needed emergency loan in minimum time. 

Eligibility Requirements For Emergency Loans

Applicants seeking online quick emergency loans must match the following conditions.

  • • An applicant must be 18 or older.
  • • You consistently earn more than $1,000 every month.
  • • As verification, a borrower must provide a current, legitimate US address and government-issued photo identification.
  • • A checking or savings account with a bank that accepts electronic deposits.


  • • Quick and easy access to emergency loans lenders
  • • Capable of connecting to lenders who may provide loan funding within a single business day
  • • Some debt consolidation loans can make direct payments to existing lenders.


  • • A loan matching service is not available in certain US states.
  1. Low Credit Finance: Best Emergency Loans for Bad Credit 

We know that sometimes unexpected things happen in people's lives and that these things could hurt their credit scores. We know that it might be difficult to get an emergency loan with bad credit; however, loan matching sites may connect you with suitable lenders who might offer you an emergency loan despite your poor credit. It is important to know that the loan approval is subject to the lender's terms and conditions. 

People with low credit scores might find Low Credit Finance helpful in finding a suitable lender for instant emergency cash. It's important to know that Low Credit Finance is not a direct lender, just like most other sites on our list that help people find loans. It allows people who want to borrow and companies who want to lend money to get in touch with each other.

When you apply for an emergency loan with Low Credit Finance, you get access to an extensive network of lenders and various ways to borrow money. The loan matching site may help you find a lender who might offer you an emergency loan for bad credit. 

Low Credit Finance is a loan finder service that doesn't guarantee you'll get a loan. The approval is subject to further checks by the lender offering you the loan. Through Low Credit Finance, you can apply for a loan between $100 and $5,000. The interest rate can be anywhere from 5.99% to 35.99%, depending on the lender providing you with the loan.

Emergency Loans for Bad Credit Eligibility Requirements

Even if you have a bad credit history, you might get quick same-day emergency loans if you fulfill the minimum qualifying requirements.

  • • To borrow money, you must be at least 18 years old, the same as all the other lending platforms
  • • You must have a permanent US residential address
  • • You must acquire a checking or savings account that is active, valid, and with direct deposit services
  • • You need to have a consistent monthly income of at least $1000


  • • Low Credit Finance welcomes people with all credit types to apply for the loan
  • • The amount of time that takes to complete the loan application is just two minutes
  • • Simplified user experience on the website


  • • No dedicated customer care service
  1. Big Buck Loans: Best for Instant Approval Online Emergency Loans

Big Buck Loans is a leading loan matching website that can help you get instant approval online emergency loans that are not secured by any collateral by connecting you to the potential lender. The platform's emergency loan services have been beneficial to several loan borrowers. Moreover, the platform's user-friendliness and easy-to-use website interface are two additional benefits of the Big Buck Loans site.

Big Buck Loans may help borrowers to get debt consolidation loans in addition to some of the most competitively priced emergency loans. With debt consolidation loans, you can easily pay off some of your existing debt. Big Buck Loans can connect you to lenders that might provide you with fast emergency loans that you can use for various purposes. This includes medical expenditures, vehicle repairs, home projects, relocation costs, etc. The trustworthiness and stability of the Big Buck Loans website are very important to the company. So, the platform makes sure to connect borrowers with trustable and reliable lenders.

Big Bucks Loans is here to assist you if you are in need of a quick emergency payday loan with instant approval. The application procedure for an emergency loan with Big Buck Loans is fast and uncomplicated. Moreover, you can borrow the loan amount from a minimum of $100 to a maximum of $5000. You need to be at least 18 years old and have a monthly income of at least $1,000 to apply for the emergency loan. The interest rate falls anywhere between 5.99 % to 35.99 %. The repayment period's length might be from 12 months to 24 months.

Instant Approval Online Emergency Loans Eligibility Requirements

To be eligible for the fast emergency loans, you must first ensure that you satisfy the qualifying requirements listed below.

  • • To qualify for an emergency loan, you need to be at least 18 years old, just as with any other loan.
  • • You need to provide proof of a permanent residence address in the United States.
  • • A borrower must have a current checking or savings account that may receive direct deposits.
  • • You must have a minimum of $1000 as your stable monthly income.


  • • The application process is simple and quick
  • • An extensive network of reliable lenders ensures you get a much-needed emergency loan.
  • • Lenders usually provide a reasonable amount of time to repay the loan.


  • • Relatively high-interest rates on unsecured personal loans
  1. Credit Clock: Best for Quick Emergency Loans Without Credit Check*

If you have bad credit, finding loan lenders who would consider your application may be difficult. However, Credit Clock may assist you in connecting you with a suitable lender who might offer you emergency loans regardless of your credit status. Also, the site has a loan structure calculator. It lets you figure out which option is best for you based on the amount of the loan, the interest rate, and how long you have to pay it back.

Additionally, submitting an application for a quick emergency loan through Credit Clock's website is the quickest and easiest solution. After you fill out the online loan application, you will be sent to the lender's website to finish the rest of the process. Remember that the lenders don't renegotiate the terms and conditions of the loan. After approving the loan amount, the lender will most likely deposit the cash into your bank account within one business day.

Credit Clock establishes a direct connection between you and lenders that may offer you fast emergency loans ranging from $100 to $5,000. Credit Clock will not bring you in contact with a lender that might charge you an interest rate that is more than 35.99 %. This is because various lenders charge varying interest rates. Moreover, the company does not participate in checking your credit or in any related loan approval process. Different lenders have different loan policies. Some lenders may or may not check your credit history before granting an emergency loan.

Disclaimer: Whilst Credit Clock doesn't check your credit, your credit may be checked by 1 or more of our lending partners and their third party credit bureau's upon submission of your request, or at a later date. Further information can be found in their terms and conditions.

Quick Emergency Loans Without Credit Check* Eligibility Requirements

To be eligible for the instant emergency loans, the borrower must meet the following requirements.

  • • The person applying should provide a valid proof of identity that is up-to-date
  • • You must be at least 18 years old to get a loan
  • • A borrower needs to have a bank account and a phone number where lenders can reach them
  • • A borrower must make at least $1000 per month regularly
  • • An applicant must have a permanent resident status in the United States


  • • Easy online application procedure
  • • There are emergency loans for unemployed people
  • • Credit clock provides emergency loans within one working day


  • • Not much contact information is available on the website
  1. Green Dollar Loans: Best Loan Matching Service for Same Day Emergency Loans

Green Dollar Loans connects you with lenders that may provide speedy funding for emergency personal loans. In some cases, borrowers can get their loans as shortly as the same day of the loan approval. If you need cash immediately to pay an unexpected bill, this could help you. 

While applying for emergency loans through Green Dollar Loans, ensure all of the information you supply is accurate. Your ratio of income to costs will be the main element considered when evaluating your application. If you earn at least $1,000 per month, you can get an emergency loan between $100 and $5,000 with an interest rate varying from 5.99% to 35.99 %. How much you can borrow depends on how much money you make, you spend and, the terms of the loan.

It is crucial to know that Green Dollar Loans doesn't give out loans directly. Instead, it connects its visitors to a wide network of lenders who deal directly with the borrower about the loan terms. The loan finder platform doesn’t participate in any loan agreement. It doesn't decide the interest rate on loan payments; instead, the lenders tell you the APR and the total amount you have to pay back.

Same Day Emergency Loans Eligibility Requirements

To apply online for quick same-day emergency loans, you must satisfy the following criteria.

  • • You must show a form of government-issued identification.
  • • To get a payday loan, you'll need a steady source of income.
  • • You must be a US citizen or a permanent resident to be eligible.
  • • You have to be 18 or older.


  • • The 2-minute online application process
  • • An extensive network of lenders to help you get the loan you want
  • • Easy to pay back the loan amount in a decent amount of time


  • • Service not available in certain US states

What Are Emergency Loans and How Do They Work?

An emergency loan is a kind of personal loan that you take out to address an urgent expenditure, such as a medical bill or auto repair. You can obtain these loans via an online lender, a credit union, or a traditional bank. Emergency loans come as both secured and unsecured loans, with unsecured loans being the most common option.

In general, to provide an emergency loan, lenders will need borrowers to have a certain minimum credit score requirement and a certain maximum debt-to-income ratio. Some financial institutions provide co-signed or joint loans, which might make it simpler to qualify for financing. Viva Payday Loans is a perfect choice to get emergency loans without any hassle.

How to Apply for a Quick Emergency Loans Online - A Quick Guide

The online application process for emergency loans for financial emergencies is straightforward and may be finished quickly. In an effort to make things simpler for you, we have drafted a short guide that will walk you through the beginning steps.

The process of applying for loans such as an emergency loan through loan matching platforms such as Viva Payday Loans typically consists of four easy stages, which are explained below for your convenience:

Step 1: Before making a choice on the amount of the loan you want to receive, you should first think about the financial liabilities you already have and the ones you will have in the future.

Step 2: Once you have decided how much money you want to borrow, the next stage is to fill out the online application form by giving the necessary information. Once this has been done, you may go on to the next step.

Step 3: After around two minutes, the website will most likely redirect you to the possible lender's website. The lender can ask you to provide the required verified documents such as governmental identity proof, proof of permanent residence, paychecks, and documents regarding your credit history.

Step 4: Once the lender approves your loan request, you can get the loan money within a working day.

Online Emergency Loans: Most Important Features and Factors to Consider 

Emergency loans are short-term, unsecured loans that are usually paid back with the borrower's next paycheck. Small same-day emergency loans, on the other hand, can help pay for a wide range of costs, like bills, home appliances, repairs, and almost any other unexpected cost that comes to mind.

Given below are some of the most important things about these emergency cash advance loans. Before applying for an unsecured emergency loan, you should always look for the following features and consider them as necessary.

Emergency Loans Are Easy to Get

For many people, the best thing about an emergency personal loan is that it is quick and easy to get. You can fill out and complete the whole application process in just a few minutes. After the loan approval, the lender will put the money into your US bank account the same day. This is different from most other ways to borrow money, which can take hours or even days. This is essentially what many people are looking for since these loans are often used to cover unexpected costs, like fixing a broken-down car or making urgent repairs to a house.

Quick Same-Day Loans for Bad Credit 

Even if you have poor credit, there is a probability that you might get the emergency loan; however, this will rely on a number of variables like your credit history, your monthly income, your capacity to repay the loan, and the conditions of the ladder. 

As compared to traditional lenders i.e banks, people are more likely to get loans with the help of emergency loan companies. Instant emergency loans are primarily provided in cash. However, this varies from lender to lender. Some lenders prefer giving cash, and some prefer sending through electronic payment.

Less Paperwork Than Traditional Loans

A lot of people are interested in quick emergency loans because the requirements for approval are sometimes less strict than those for other kinds of loans. Even if a borrower has bad credit and a low income, they might still be able to get a loan from a private lender. That is even if they don't meet the requirements of a bank or other financial institution. This is because banks and other high-street institutions tend to have stricter rules about who can get a loan than emergency payday lenders.

Unsecured Loans

Since an emergency loan is an unsecure loan, borrowers can get these small same-day loans. They won't even have to put up an asset as collateral. Some of the major lenders on the high street require borrowers to put up their homes or other valuable assets as collateral. This is in case they can't pay it back what they owe. On the other hand, emergency loan lenders let you borrow money without having to put any of your valuable things at risk.

How Did We Choose Our Loan Matching Sites for Best Online Emergency Loans?

When you need an emergency loan, it is very important to choose the right loan matching sites. Because so many online sites claim to offer emergency loans, it can be hard to figure out which ones you can trust. To choose our top five loan matching services for instant emergency loans, we had to be extra careful.

After researching and analyzing many online services that help people find loans, we chose the five most effective services. These are some of the most important things we looked for when choosing the best sites for finding loans.

  • • Generally, emergency loans come with higher interest rates than traditional loans. However, we looked for loan finder services that may connect you to lenders with feasible annual interest rates (APR).
  • • There are many loan finder services on the internet, but not all of them are real and legitimate. Since there is a chance that some websites are actually run by scammers, we looked for websites that were legitimate and reliable.
  • • Since emergency payday loans are most often needed in a financial emergency, we gave priority to those websites that help you get fast approval so you can get a loan right away.
  • • Before coming to a conclusion, we carefully looked at customer reviews and ratings on different sites. This was done to make sure that customers were satisfied with the loan finder company's service.


Now since you know well about the best emergency loans, which emergency loan finder service will you contact? We suggest going with a loan matching company that can help process your loan application quickly and give you the amount of money you need in a minimum time possible. When comparing different lenders, be sure to take into account the maximum amount you can borrow, any origination fee, the required minimum credit score, and annual income.

We suggest you use Viva Payday Loans if you want every loan facilitation in one place. 


How Many Different Kinds Of Emergency Loans Are There?

There are a few different types of emergency loans:

Personal Loans: A personal loan is a type of unsecured loan that gives you a set amount of cash without requiring you to put up any collateral. You then repay it in regular monthly payments during the loan duration. Personal loans, unlike many other forms of emergency loans, typically have periods ranging from a few months to many years.

Payday Loans: A payday loan is a short-term loan for emergencies that is usually only good for a week or two. Payday loans usually have high-interest rates, and lenders may or may not require a credit check.

Cash Advances: You can borrow a cash loan through the balance available on your credit card. You can most of the time pay directly to a merchant with a credit card.

Title Loans: A car title loan is a kind of like a payday loan, in which you put up your vehicle as collateral. Since the loan is secured, putting your car up as collateral can help you pay less in fees and interest. Your lender may keep your vehicle if you don't repay the loan amount.

For What Purposes Can I Use An Emergency Loan?

Emergency loans are secured or unsecured personal loans that can be useful in a variety of emergencies. In general, you can utilize the amount of the emergency loan for any type of unexpected costs. This involves paying your medical bills, buying medicines, getting your car repaired, costs related to necessary home repairs, funeral expenditures, or if you need to go on a wedding function. If you need money right away, seek lenders who can issue your loan quickly, so you don't have to wait days for it.

What Is The Basic Difference Between Secured And Unsecured Personal Loans?

Secured Loans: A secured loan is one that is supported by some kind of collateral. Rent and Mortgage payments and car loans are the most common forms of secured loans. In these secured loans, the collateral is your home or car. But in reality, you can use any kind of money you own as collateral.

Unsecured Loans: You don't have to put anything up as security for an unsecured loan, but you will still have to pay the interest rate and origination fees. Student loans, credit cards, and personal loans are all types of unsecured loans.

Disclaimer: The operator of this website does not make any credit decisions. Independent, participating lenders that you might be matched with may perform credit checks with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. By submitting your information, you agree to allow participating lenders to verify your information and check your credit.

Disclaimer: This article is published in association Payday Ventures and not created by TNM Editorial. Please do your own research before applying for loans from the above services and seek independent legal/financial advice if you are unsure.

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