Best emergency loans for bad credit and emergency cash in 2022

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We all know that a bad credit score can often be a party breaker and stop us from enjoying life as we should. Finances are a serious factor in our daily life, but with so many choices and solutions today, almost everything can get fixed.

When it comes to bad credit scores, people still live with the thought that there is nothing you can do about it. And that’s how they usually get into even bigger financial trouble while completely running out of funds.

But, as modern times seek modern solutions, the growth of the lending industry has significantly improved in the last few years. Because of that, it can get hard and confusing trying to find the right lender for you. That’s why here is a list of five lending companies that offer the
best emergency loans with bad credit.

Best emergency loans online for immediate emergency cash with bad credit and no credit check

  1. MoneyMutual: Overall best for emergency loans online
  2. BadCreditLoans: Recommended for fast application process and payment
  3. RadCred: Top online lenders for same day emergency loans

#1. MoneyMutual
: Overall best for emergency loans online

MoneyMutual (1) (2)Spotlight Wire

Driven by the need for change, the founders of the MoneyMutual lending platform established one of the most trusted resources for lending money today. Since 2010 this platform is only growing and expanding while helping thousands of clients all over the US. By offering solutions to clients’ financial difficulties, MoneyMutual is the number one company in this industry.

Moreover, thanks to the long-term professional experience of the MoneyMutual team, and the efforts that MoneyMutual’s spokesman Montel Williams put into the platform, it is safe to say that millions of Americans will be forever grateful for the unselfish help they have received from this company. MoneyMutual’s goal is to inspire people to live their lives without the limitation that a lack of finances might cause.

Lastly, we want to mention that this lending platform is a proud and reputable member of the Online Lenders Alliance. This fact only adds to the proof that MoneyMutual does everything it can to improve and be better for its clients each day.


Minimal requirements

To be able to help a larger mass of people, MoneyMutual made everything in its power to have simple application requirements. This way, even those with really poor credit scores can apply and get the desperately needed help. So, to be eligible to get a loan from MoneyMutual, you must fulfill the following simple requirements.

First, you must be a permanent resident of the US and be of the age of 18 or above. The second requirement is that your monthly income should be $800 or above and, most importantly, come from a reliable and stable resource. The third and last thing you must do is have a checking account in your name.

Various types of bad credit loans

MoneyMutual offers various types of emergency loans for bad credit. No matter what kind of financial need you have, you can be sure that you will find the right loan option for you. Unlike the other lending platforms that barely offer one type of loan, MoneyMutual offers the following loans:

Installment loan with bad credit

If you are someone that needs a larger amount of money than you can pay back, this type of loan might be the right one for you. With the chance to pay back the loan in installments, you will have more flexibility and less worry about the loan itself. Also, with this type of loan, you can negotiate with the lender and come to a mutual agreement on the loan terms and conditions.

No-fax bad credit loans

With the no-fax type of loan, you can finally say goodbye to the endless paperwork and say hello to the faxless loan application. Besides saving time, this method enables you to apply for a loan whenever and wherever you like.

Payday loans

When you’ve got enough worries on your plate, you do not need another one, such as thinking about the loan payback due date. That’s why you have the option to apply for a payday loan where the lender itself will withdraw the money from your checking account on the day of your next paycheck.


  • Quick application method
  • No hidden fees
  • Wide lenders network
  • Encrypted data protection
  • Simple conditions
  • Long working experience
  • Assured anonymity of data


  • MoneyMutual’s services are not available outside the US

#2. BadCreditLoans: Recommended for fast application process and payment

BadCreditLoans (1) (2)Spotlight Wire

With its specialty being poor credit scores, it is safe to say that BadCreditLoans is a pioneer in that field. The long-term professional experience that this company’s team has makes this platform well-respected, reputable, and one and only.

Another unique thing that distinguishes this lending platform from others is BadCreditLoans decision to work with tribal lenders. The level of inclusiveness that this brand has can not be found anywhere else. Although if you decide on working with the tribal lenders, you might encounter higher fees and taxes, that does not stop people from using their services.

In addition, as a customer-oriented company, BadCreditLoans managed to fix the APR rate from 5,99% to 35,99%. So, with all these facts and positive sides of this lending platform, we have no doubt that you will be able to find the right lender and offer suited for your financial needs.


Easy to apply

Being a time-efficient company, BadCreditLoans offers a quick three-step application method. Thanks to the simplicity of this method, anyone can apply and, within a few minutes, start getting offers from lenders. In addition, let’s take a look at the three steps the BadCreditLoans application process has.

  • First, you will need to visit the BadCrediLoans website. You will find an easy and convenient online application form that can be filled out in no more than five minutes. You can do this anywhere and anytime you want as long as you have a stable internet connection.
  • After you choose an offer, you can modify it if needed, depending on the lender, and after both parties agree, you can expect the funds to get deposited in your checking account in less than one business day.

Extra services

If by any chance you are not eligible for a loan or you get denied, BadCreditLoans has ensured to have a backup solution for these kinds of scenarios. That’s why, if you find yourself in this situation, you will get offered additional services or finance-related products that might help you out. All the extra services can come in handy when you need help with debt relief, credit repair, personal loans, etc.

Simple eligibility requirements

As the platform’s name says, this company excels in helping as many people as possible with poor credit scores. To have such high customer ratings, BadCreditCompany implemented a very simplified version of eligibility requirements.

First, you must be at least 18 years old and a US resident. Second, you will need to provide evidence that you are employed or that you have a stable and regular source of income. And third, you will need to provide a home address, valid phone numbers, email address, and most importantly, a checking account in your name.

Miscellaneous types of loans

If you decide on BadCreditLoans, get ready to be able to choose a loan from a wide palette of offers. When a lending platform cares for its customers, you can see the extent it goes to provide loans for its customers. Having so many different loan offers makes it easier for the customers to better adapt the loan’s terms and conditions to their own.

So no matter if you need a home, auto, personal, or student loans, BadCreditLoans has your back. Also, if you are looking for business loans, mortgage loans, or credit cards, you can find that on BadCreditLoans website.


  • Tribal lenders
  • No hidden fees
  • Rapid disbursement
  • Quick online application
  • No collateral requirement
  • Fast fund deposit


  • Tribal lenders’ fees can be higher

#3. RadCred: Top online lenders for same day emergency loans

RadCred (1) (2)Spotlight Wire

RadCred is one of the most trusted and reputable online lending sources in the U.S. This platform is, without doubt, people’s first and favorite choice when they find themselves in urgent need of funds. With an increasing number of customers each day, RadCred does everything it possibly can to live up to its name, being the number one leading company in the industry.

As much as it cares for customers, this brand equally cares for the people they employ. That’s why RadCred is also known for working with local lenders that clients feel safe borrowing money from. By doing so, they get to keep their excellent reputation high and altogether keep the countless satisfied customers growing. Ultimately, as claimed by the brand, people recognize this brand as reliable, genuine, and unique. Epithets that only the best from the best can get.


Uncomplicated application process

To save its clients’ time and to help them get the money they need faster, RadCred decided on having a simple and convenient three-step loan application method. Thanks to the simplicity of this method, each of the clients can fill out the application form and choose the offer in less than ten minutes. The steps needed to apply for a loan are:

  • Basic info – First, when you visit RadCred’s website, you will see an easy and convenient application form you need to fill out. You will need to provide basic info. This process will only take a few minutes of your precious time.
  • Grab your funds – When you and the lender agree and sign the deal, you can expect the funds to be deposited in your checking account in the next 24 hours.

Free from charge service

To be able to help as many people as possible, RadCred ensures to keep its services free from charge. This convenience means you will not encounter any hidden taxes or fees during the application process.

Because RadCred is not the lender itself, the lenders need to pay a fee to connect with you. That’s why it is important to know that taxes and fees you might pay later, after connecting with a lender, do not have anything to do with RadCred’s lending platform.

Instant money transfer

Because time is money, especially for those who apply for an emergency loan, RadCred did everything in its power to make the process of fund deposition get done in less than 24 hours. Unlike when you borrow money from some other places, with RadCred, you will get enabled to use your money immediately.

The maximum amount of funds you can request is $5,000, which is significantly more than the other lending platforms offer. You can use the money for whatever financial need, from groceries to bills to car repairs and even house repairs and mortgages.


  • 100% free service
  • No hidden fees
  • Local lenders
  • Strong safety data encryption protection measures
  • No hidden taxes
  • Basic requirements
  • Wide network of lenders
  • Local lenders


  • RadCred’s services are not available out of the United States


Now that you have read this article, you got more familiar with the best loan platforms in the United States. You also had the chance to read more thoroughly about the factors you need to pay attention to before applying for a loan. All that’s left to do is for you to choose the platform that meets your expectations and finally get the well-deserved money you need. This article hopes to guide you towards a successful loan application journey.

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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