5 best urgent loans for bad credit & no credit check with quick emergency approval in 2022

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Emergency loans are online loans that can be used to solve urgent needs. Urgent loans include flexible repayment options and duration, allowing borrowers to repay the loan at their convenience.

Best urgent loans for bad credit 2022 – Quick overview

If you’re looking for online urgent loans for bad credit, you’re at the right place. Here are five of the best emergency loans in the market – simply click through and you’ll be able to request a loan with a guaranteed decision today:

  • Viva Payday Loans – Highly-rated platform for finding emergency loans.
  • Big Buck Loans – Best loan service for emergency loans for bad credit.
  • Green Dollar Loans – Suitable for finding relatively urgent loans.
  • Low Credit Finance – Reliable loan finder for same-day emergency loans.
  • Money Lender Squad – Known for longer-term payday loans.

Emergency loans for bad credit – General eligibility criteria

Giving emergency loans for bad credit can be pretty risky for lenders. Therefore, before borrowers can access these payday loans, they must meet specific loan criteria. One of the first criteria to qualify for bad credit urgent loans is that borrowers must be 18 years old and above. Other requirements to obtain online loans for bad credit include:

  • Valid means of identification (must be a US citizen)
  • Social security number
  • Proof of income
  • Bank statements
  • Other financial or personal information.

5 best emergency & urgent loans for bad credit – Detailed overview

It may be challenging to get emergency loans with no credit check, however, several lenders and brokers offer urgent loans for bad credit. Here is a list of the top five payday loan services you can check out if you need emergency loans for bad credit.

Viva Payday Loans – Emergency loans for bad credit

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Viva Payday Loans is another reliable loan finder service helping borrowers find credible lenders. They are highly rated in the United States for their top-notch payday loan services. With Viva Payday Loans, even people with a bad credit loan score can get emergency loans.

The loans that customers can get from lenders at Viva Payday Loans, range between the minimum amount of $100 to a maximum amount of $5000. These online loans are usually charged at an APR of 5.99% to 35.99% for 2 to 24 months.


  • Access to up to $5,000 worth of loan amount
  • It connects borrowers to multiple credible lenders
  • Instant application process


  • Increasing interest rates across lenders

Click here to request funds in minutes with bad credit

Big Buck Loans – Best for emergency payday loans

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Big Buck Loans Loans is said to be one of the best installment loan brokers in the United States. They are known to link borrowers to lenders who offer reliable urgent loans for bad credit and loan amounts starting at a $100 minimum to a maximum of $5000. Getting a loan through Big Buck Loans is seamless, as the application process is instant, with no upfront fees or costs. These loans are charged at an APR of 5.99% to 35.99%.


  • Reasonable and flexible repayment terms
  • Lenders don’t discriminate
  • No upfront fees or costs


  • Emergency loans can be pretty expensive, with APR of up to 35.99%

Green Dollar Loans – Best for finding urgent loans

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Green Dollar Loans is an urgent same day loan matching service that connects borrowers to lenders where they can get emergency loans even with a bad credit score, and also provide people with guaranteed emergency same-day loans; your application only gets approved if you meet their requirements.

At Green Dollar Loans, people can get instant loans online, even with bad credit. They can get loans from between $100 minimum to a maximum of $5000, at an APR of 5.99% to 35.99%. Also, they have a repayment duration of up to 90 days.


  • Instant payments
  • Borrowers can secure loans up to $5,000
  • Seamless application process


  • Only borrowers who earn at least $1,000 monthly can access their loans

Low Credit Finance – Reliable for urgent loans for bad credit

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Low Credit Finance is a top-rated loan matching platform providing accessible bad credit loans options. They get to link customers in need of loans to credible lenders online. If borrowers’ application gets approved, they can get the loan amount they applied for. However, there are no guaranteed online loans for bad credit with no credit check.

At Low Credit Finance, borrowers get these loans at an APR of 5.99% to 35.99% maximum, depending on the amount they borrow. An advantage of choosing Low Credit Finance is its flexible repayment duration. Borrowers can repay their loans between 3 to 24 months, depending on their preferences.


  • Loan amounts of up to $5,000
  • Instant same-day deposit
  • Seamless application process, request emergency loans with no job


  • High fees and interest rates at APR of 5.99% to 35.99%

Money Lender Squad – Overall best for emergency loans with same-day approval

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Money Lender Squad is another credible loan matching service borrowers can count on. This reputable online loan broker has been in the industry since 2013. They offer instant emergency loans for bad credit.

At Money Lender Squad, borrowers can get between $300 to $2,000 for a maximum of 12 months. The loans they are offered are usually between APR rates of 5.99% to 35.99%. The application process is seamless and can be completed in a few minutes.


  • Multiple loan options with instant payouts
  • Borrowers can choose the loan term that suits their needs



Several lenders offer different emergency loans for bad credit. These lenders also have different terms and conditions for their urgent loans, and you should compare several lenders before settling with any lender to get the best deal. Viva Payday Loans is a credible loan matching service that can connect people to lenders offering affordable and reliable payday loans.


Can unemployed borrowers access a bad credit installment loan?

Yes, unemployed borrowers can get emergency loans for bad credit. However, for such borrowers, most brokers and lenders would require a form of collateral from unemployed borrowers.

How does one know a legit installment lender?

It can be challenging to tell if a lender is legit or a scam without proper research. Therefore, it is the borrower’s responsibility to conduct proper research. Borrowers can look at the lender’s background and terms and conditions. This will help them find all hidden charges and evaluate the legitimacy of lenders. However, it’s best to patronize prominent brokers like Big Buck Loans. This way, they can get the best-guaranteed emergency loans for bad credit.

Where can borrowers get bad credit loans in the United States?

You can get installment bad credit loans online from the list of loan finders above. Big Buck Loans is one such reliable broker offering top-quality loans online.

Disclaimer – The above content is non-editorial, and Economic Times hereby disclaims any and all warranties, expressed or implied, relating to it, and does not guarantee, vouch for or necessarily endorse any of the content. 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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