Need money in a hurry to cover unexpected costs and expenses? Emergency loans can be a suitable solution. Emergency loans online can help you access instant cash to solve a financial crisis in as little as an hour.  Same-day emergency loans are your best bet when you need to access quick funds you can repay in a few months or years. Emergency same-day loans are suited for all needs, budgets, or occasions, whether you need a few bucks or something more substantial.

In this urgent personal loans guide, we review three of the best and most reliable loan finders in the US that connect you to top lenders who offer emergency loans online with no calls, no paperwork and no faxing.

Best Emergency Loans of August 2022 – Quick Overview

1. Viva Payday Loans – Best Overall for Emergency Loans

2. Big Buck Loans – Best for Urgent Loans for Bad Credit

3. Green Dollar Loans – Best for Urgent Loans No Credit Check

How To Get An Urgent Cash Loans For Bad Credit in 2022?

Step 1: Go to Viva Payday Loans

Viva Payday Loans provides a free matching service to top lenders in the US. Simply visit, where you’ll get a quick online process to borrow emergency loans online with a few simple clicks.

Click here to Appy Online at Viva Payday Loans >>

Step 2: Select Your Loan Amount and Term

Choose the loan amount you need and how long you want it for. Viva Payday Loans connects you to lenders who allow you to borrow from $100 to $5,000 with 3 to 24 months repayment periods. It’s vital to be realistic and only borrow amounts you can comfortably afford to repay. Don’t forget to check the repayment information to confirm affordability.

Step 3: Make A Quick Application

The next step is to make a quick application by capturing your details in the online form to help lenders verify that you qualify for loans urgent. You’ll only need a few minutes to capture information like your name, address, employment, income information, and a list of your monthly expenditure and hit the submit button.

Step 4: Get Your Loan Once A Decision Has Been Made

Once you submit the completed application form, it’s forwarded to multiple lenders at once, increasing your chances of finding a suitable urgent loans lender.

You’ll receive feedback within 2 minutes, and if one of the lenders on the platform accepts your request, you’re transferred to their website to complete the process. You’ll also get a message informing you if the request is unsuccessful.

The lender will request additional documentation to verify your details, so it’s wise to have your ID, proof of address, bank statements, and pay slip handy when applying. The lender will send you a loan contract if everything goes to plan. Read the terms and conditions, familiarize yourself with the repayment schedule, and sign it.

After you return it to the lender, they should send a lump sum of the approved amount to your account within hours on the same day or 24 hours latest.

Click here to request funds now >>

What Are Emergency Loans?

Emergency loans are short-term personal loans that allow you to access quick cash for sudden, unexpected expenses. They are usually quick, with deposits coming within 24 hours of when you get approved for a loan. Some lenders can even fund loans on the same day you apply.

Because urgent cash loans are generally unsecured, you likely won’t need to put up any collateral to get funded. The lender uses your personal information, including credit, income and other debts, to determine whether to offer you a loan and at what interest rate.

Emergency loans are suitable for living expenses, repairs, home improvements, medical expenses, and minor financial emergencies. When you apply through Viva Payday Loans, you don’t need to worry about your bad or non-existent credit score.

You’ll get freely matched to specialized lenders who offer alternatives to pandemic emergency loans for bad credit and emergency loans no credit check. You can even get emergency loans with no job, provided you have an alternative form of income and can afford the loan.

If you’re worried your past credit issues or employment status will affect your eligibility, don’t be. With emergency loans for bad credit and emergency loans with no job or urgent cash loans for unemployed, you can access fast money with emergency loans tailored to your needs and situation, even with a less than perfect credit score if you meet certain requirements.

While emergency loans no credit check aren’t available due to regulatory compliance, you can still get a cash advance with a less than perfect credit score. The best way to access emergency loans no matter your situation is through loan finder services which connect borrowers to a wide range of lenders within minutes.

Click here to request funds now >>

What States Can I Get Emergency Loans or Urgent Cash Loans?

Emergency loans aren’t readily available in every state as they’re banned.  Whether you’re looking for pandemic emergency loans for bad credit or regular emergency loans available online, you can get them in the following states:

  1. Alabama
  2. Colorado
  3. Delaware
  4. Kansas
  5. Michigan
  6. Rhode Island
  7. Tennessee
  8. Oregon
  9. Texas
  10. Wyoming

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What Are The Benefits Of Emergency Loans?

Affordable Loan Amounts & Flexible Repayments

What’s the point of taking out a loan if you can’t afford to repay it? That’s just looking for trouble. To make it easier for our borrowers, we only offer loans ranging from $100 to $5,000. Of course, it varies from lender to lender, but we will do our best to match you with a lender that can service your unique loan request. We always recommend only borrowing what you need, even though it can be tempting to take a chance and apply for the highest possible amount.

The most inconvenient part of taking out a loan is paying it back, but if you’ve planned your finances well and were responsible when you selected your loan amount and terms, you should find it an easy task. The loans that our panel of lenders offers come with terms of 3 to 24 months. Of course, paying the loan off quicker means that you pay less in accrued interest.

Frequency of Repayments & Interest

When you’re coming to a loan agreement with a lender, they will speak about a repayment schedule. This is when you will pay the loan back. If you’re taking out a substantial amount, you will need several months to pay, and if you’re taking out a small amount, you may need just a few weeks. The lender will offer your payment frequencies of weekly, fortnightly, and monthly to choose between. Choose a schedule that fits with your earnings.

Interest is a touchy subject for many borrowers, but you will find that many of the lenders we work with like to keep their interest rates reasonable. In general, the rates range from 5.99% to 35.99%. Always ask about additional fees on your account, including the origination, penalties for early and late payments, and early exit fee.

Reputable Lenders

Our lenders are transparent, reputable, and reliable. If they promise you something, you can rely on them to deliver. Their details are available for direct contact, and if you want to know more about how they behave as a lender and treat their customers, all you have to do is hop online and read the online reviews.

Urgent Loans – Cash in Your Account within 24 Hours

If you apply for an emergency loan today, the chances are that you’re going to get the money today or, at the very latest, tomorrow. Many of our lenders offer same-day payout, but to be safe, expect the cash in your account on the next business day, usually within 24 hours.

Waiting around for a decision is overrated. At Viva Payday Loans, the online system is designed to provide you with an almost instant outcome on your loan application. Once you’ve submitted your application, you’ll know if you can get the money you need in just a few minutes.

All FICO Scores Welcome

Gone are the days where a low credit score spelled doom for your credit applications. Viva Payday Loans lenders are known to help out Americans with all kinds of FICO scores, even the very low or non-existent ones.

Click here to request funds now >>

What Is The Best Emergency Loan? Review On Viva Payday Loans

Viva Payday Loans provides a free matching service to connect borrowers with some of the best lenders, who don’t offer emergency loans no credit checks due to regulatory compliance, but offer viable alternative loans online. The lenders on their panel are all about quick approvals and disbursements that can be a lifesaver in emergencies.

With an efficient loan process made possible by cutting-edge technology, Viva Payday Loans makes it easy to apply for loans urgent in less than five minutes. Choose the amount you need and a suitable repayment term, and follow the simple steps to apply.

Most lenders at Viva Payday Loans payout the approved amount within a few hours on the same day you apply for same day emergency loans. You can borrow from $100 to $5,000 with 3 to 24 months repayment periods and use the funds without restrictions.

What We Like About Same Day Emergency Loans:

Fast Approvals

Lenders at Viva Payday Loans understand that time is of the essence, and they’ll never keep you waiting for a decision. They’ve designed an online system that provides instant outcomes on loan applications. Once you submit your application, a decision in under two minutes is guaranteed.

Quick Disbursements

If you’re eligible and can afford to repay the borrowed amount, you’ll get approved quickly and receive the funds in your account with little to no delays. Ensure you apply for emergency loans online as early as possible within the day to increase your chances of quick disbursements.

All Credit Scores Welcome

Viva Payday Loans are known to help Americans with different credit scores access the funds they need without discrimination. You can apply for emergency loans bad credit and get approved with inadequate or non-existent credit scores. All that matters is affordability.

What We Don’t Like About Urgent Loans for Bad Credit:

Not Available In All States

Unfortunately, Viva Payday Loans doesn’t operate in all states across the US. These include Arkansas, Connecticut, New Hampshire, New York, Montana, South Dakota, Vermont, West Virginia, Indiana, and Minnesota.

Min/Max Loan Amounts

– $100 – $5000

Min/Max Loan Terms

– 3 – 24 Months

APR Range:

– 5.99% – 35.99%

Eligibility Requirements:

  • You must have a permanent address in the US
  • You’re above 18 years of age
  • You have a savings or checking account that accepts direct deposits
  • You receive a regular income of at least $1,000

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Our Verdict on Emergency Loans Via Viva Payday Loans

  • Application Process: 10/10 – takes only a few minutes to apply.
  • Fees & Range of Options: 10/10 – with interest starting as low as 5.99%.
  • Customer Support: 8/10 – applicants are in direct contact with the lender.
  • Loan Amount and Repayment Period Flexibility: 10/10 – flexible loan amounts and up to 24 months to pay.
  • Speed of Service: 10/10 – loans can be approved and paid out on the same day.

Click here to request funds now >>


What Can I Use An Emergency Loan For?

You can use an emergency loan for anything you wish, from paying for a medical emergency to covering the cost of a vehicle breakdown. The use of the loan is entirely up to you.

Can You Get Urgent Loans With No Job?

Yes, you can get emergency loans with no job, but you still need to prove that you’re making a regular monthly income that comes to the minimum amount of $1000 per month. Alternative ways you can earn income include profit from rental property, royalties, freelance work, dividends, and similar.

Is There Such A Thing As Emergency Loans No Credit Check?

No, unfortunately, you cannot get emergency same day loans no credit in the US. According to US regulations, lenders must carry out a credit check on all applicants. Borrowers with low credit can still get finance if they meet the required eligibility criteria. Lenders will take the time to consider various factors over and above your credit score when determining if you’re eligible for an emergency loan or not.


In conclusion, using a loan-finder service such as Viva Payday Loans will simplify the process of finding the right emergency loans for you. With a quick online application, you can find out in a matter of minutes whether or not you qualify for a loan. While the loan-finder service doesn’t offer emergency same day loans no credit due to regulatory compliance, you’re bound to appreciate that most pay out within 60 minutes of loan approval.

Disclaimer: The loan websites reviewed are loan-matching services, not direct lenders, therefore, do not have direct involvement in the acceptance of your loan request. Requesting a loan with the websites does not guarantee any acceptance of a loan. This article does not provide financial advice. Please seek help from a financial advisor if you need financial assistance. Loans available to U.S residents only.

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