Emergency Loans

£100 - £5,000 paid out in 20 minutes

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Representative Example: Rates from 35.9% APR to max 1304% APR. Minimum Loan Length is 3 months. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable).

Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

Almost all of us will experience a financial emergency or two in our lives. Unplanned expenses in the middle of the month can knock us for six. To help cover all your bills, take out an emergency loan to tide you over for the next few weeks. It will put your mind at ease knowing that you can pay for the things that have cropped up without warning.

Emergency loans are short term financial fixes. They are also known as payday loans and bad credit loans. Designed to help people get through the month when unexpected bills happen, emergency loans are quick to arrange and easy to apply for.

Wherever possible, the companies we work with will have the money in your bank account within the day so you can pay what is required and get on with your life. Whether your car has broken down, your boiler has packed in or your gas bill was higher than you thought, you can get help to pay for everything.

What is an emergency loan?

Emergency loans are just what you need if you require extra cash quickly. When things don’t go to plan, it’s great to know you can get your hands on some money to see you through to your next wage cheque.

They are available for people with bad credit, poor credit, past CCJs and short credit histories. They are ideal for the kind of people who would normally struggle to get a mainstream loan. Money is loaned for a short period of time and the cash can be paid back in full on payday, or it can be paid back over a few months in instalments. Everything can be processed online from the comfort of your sofa.

Is an emergency loan expensive?

Borrowing money in this way will mean you pay a little more in interest. Emergency loan companies lend to people who have a less-than-perfect credit score, and this is riskier for them. As a result, the interest you pay for this kind of borrowing is higher.

But as an emergency loan is only for a few weeks or months, the actual sum of extra fees charged is relatively small. The longer the loan goes unpaid, the more it costs so make sure you only borrow what you can quickly repay.

Can I get an emergency loan with bad credit?

Emergency loans are issued by companies who are prepared to offer bad credit loans. We work with a range of lenders who are happy to consider an application from someone with a poor credit rating. We match people who want to borrow money with interested lenders who are more flexible. Our partners have a more modern approach to lending money.

These lenders look at your current situation – they want to know how much money you need and what your income is. They focus more on your ability to make the repayments and are less interested in your past mistakes, and this is what makes them different.

How do I get an emergency loan?

The first step is to complete our simple online form. It’s easy to fill in and can all be done from the comfort of your home. Once the form is submitted, our panel of lenders can take a look at your circumstances and decide almost immediately whether to approve your application or reject it. Most of the time, we can offer you an emergency loan and in other instances, we might ask you a few further questions.

You can decide to accept the offer or walk away at this point, but if you want to go ahead with the transaction you will be put in direct contact with your chosen lender. There may be some further credit checks to carry out, but these can be done in no time.

When all the paperwork is done, the company you have been matched with will arrange to transfer the cash into your bank account. Make sure you fully understand how much and when to make your loan repayments.

Compare Lenders

LenderLoan DurationRepresentative APRAvailable Amounts
Lending StreamUp to 6 months1333%£50 to £1,500
Cash4unow4 or 6 months1314%£150 to £1000
Oakam3, 6 or 12 months1421%£100 to £500
THL DirectUp to 3 months1306.21%Up to £125
Buffa3-6 months1124%£100 to £1000
QuidMarket3-6 months1301%£300 to £1,500
Loans 2 Go18 months1013.3%£250 to £1000
Ferratum62 days to 4 months1270%£300 to £700
MyJar3, 6 or 12 months1081%£100 to £2000
Sunny 6, 7, 9 or 14 months1267%£100 to £2500

Do I need to be employed to get an emergency loan?

The most important thing to consider is whether you can comfortably repay the loan. This is what the lenders will be looking at. Making your situation worse is not a sign of responsible lending. Most commonly, this will mean that you have a regular job with a wage. In some instances, other sources of provable income will be taken into consideration too.

Can I have an emergency loan with no credit check?

Most lenders will carry out a credit check of some kind before they let you borrow money, it is the responsible thing to do. They do this to ensure you have the ability to make regular repayments.

When you first apply for a loan through us, a soft credit check is carried out. Soft credit checks don’t leave a notification so others cannot tell you have applied for a loan. Once an emergency loan has been offered to you, further checks will be carried out before the cash is transferred to you.


If you are not sure whether an emergency loan is right for you, take a look at our FAQs so you know more about them.

How much money can I borrow with an emergency loan?

These are small, short term loans to help in an emergency so £100 to £1000 is the typical amount borrowed.

How long before I get the money?

Most of the time, the money is in your bank account the same day.

Can I pay the emergency loan back in instalments?

Yes, there are options to pay over a few months to spread out the repayments.

What do I need to apply?

Fill in the form online. We will need to know a few things like your address, employment status, date of birth and bank account details.

When will I hear if I’ve been approved for an emergency loan?

You should hear within minutes of applying.

Can anyone have an emergency loan?

You must be over 18, live permanently in the UK and have an open bank account.