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


Do you have enough liquidity to fall back on in emergencies? Emergency loans, made available across the United States, have helped Americans make ends meet on a daily basis, just like you, in sudden and unpleasant 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 are the most profitable? This overview tries to find out!

Best emergency loans 2022 – Quick overview

  • Viva payday loan – Best for same day emergency loans
  • heart paydays – Best for quick application and payout
  • credit clock – Best for emergency loans for unemployed
  • Money Lender Team – Best for flexible loan amounts and repayment schedules
  • Very happy loans – Best for small loans and credit building

General eligibility criteria for emergency loans in the case of poor creditworthiness

Same day emergency loan providers have different terms and conditions, but in general the 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 US address
  • You must pass an affordability test

The best emergency loans –

Whether you are looking for standard same-day emergency loans or need a no-job emergency loan solution, it can be difficult to determine the options that are best for you. The following top 5 loan search services can put you in touch with the most profitable emergency loan providers in your area:

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

headlight cable

Viva Payday Loans connects borrowers to emergency loans with an APR ranging from 5.99% to 35.99%. This emergency loan matcher is considered a good all-rounder because the 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 2 to 24 months.

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


  • Simple admission requirements
  • Same day payout
  • Flexible repayment terms


  • Expensive form of borrowing

Click here to request money from Viva Payday Loans >

2. Heart Paydays – Best for quick application and payout

700xanyht-(3)headlight cable

Heart Paydays is not your average emergency loan provider. This loan search service matches borrowers with lenders who will most likely approve their loans absolutely free. Lenders on the Heart Paydays panel value fast application processing 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 quick settlement that traditional banks can’t offer.

Applying for emergency loans online ensures minimal frustration. By selecting how much you want to borrow, the loan term over which you can afford to pay it back, and entering your personal information (first name, last name, address, bank details, employment details, and a list of your expenses), you can get yours Loan application is sent to a variety of top lenders within minutes.


  • Payable up to 24 months
  • Borrowers with bad credit are not discriminated against
  • The online application only takes a few minutes


  • Some lenders charge penalties for early settlement

Click here to request money from Heart Paydays >

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

700xanyht-(1)headlight cable

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

The APR typically varies between 5.99% and 35.99%, and similar to other lender emergency loans, there may be penalties for early or late repayments. If you can afford to pay the expected monthly payments, you could potentially access emergency loans without a job. In such cases, you must prove that you are earning at least $1,000 per month in some other way.


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


  • Not all applications are guaranteed to be approved

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

700xanyht-(2)headlight cable

Money Lender Squad offers quick and easy access to some of the best emergency loans online. Applicants must have their supporting documents (ID, bank statements, payslips and proof of address) to hand. To apply, borrowers must be 18 years old, have a steady job, be a permanent resident of the United States, and pass an affordability assessment. Bad credit emergency loans are sometimes negotiated if the applicant demonstrates affordability and meets all other criteria listed by lenders.


  • 2 minute application process
  • Borrowers with bad credit are welcome to apply
  • Same day payouts


  • The interest can be up to 35%

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

700xanyht-(5)headlight cable

Very Merry Loans offers instant same-day emergency loans ranging from $100 to $2,000 that borrowers can repay over 2 to 12 months. The online application process is straightforward and only takes two minutes. To qualify for a quick no-credit-check emergency loan with Very Merry Loans, you must be at least 18 years old, able to afford the payments (proven by an affordability check), and have a steady job making at least $1,000 a month. Once a borrower’s request is approved by a lender, they are directly contacted with the lender to close the deal. APR rates on 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


  • Bad credit can lead to the rejection of the application

What are Same Day Emergency Loans?

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


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

frequently asked Questions

Can you get instant loans without a credit check?

Lenders conduct regulatory credit checks, but may choose to extend emergency unemployment loans to those with less than perfect credit if the affordability of the loan is demonstrated.

How Fast Can I Get Bad Credit With An Emergency Loan?

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

Which loan is currently the easiest to get?

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

Disclaimer – The above content is non-editorial and Economic Times hereby disclaims all warranties, express or implied, with respect thereto and does not guarantee, vouch for, or necessarily endorse the content. The verified credit websites are credit matching services, not direct lenders, so they are not directly involved in accepting your loan request. Applying for a loan through the websites does not guarantee acceptance of a loan. Credit checks are not performed by the loan finder websites, however the lender who approves you may do a credit check. This article does not contain financial advice. Please consult a financial advisor if you require financial assistance. Loans available to US residents only.


Comments are closed.