Emergency Cash Loans - 20+ Direct Lenders | allthelenders
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Representative Example: Rates from 43.1% APR to 1333% APR. Minimum Loan Length is 3 months. Maximum Loan Length is 60 months. Representative Example: £1,200 borrowed for up to 75 days. Total amount repayable is: £1506. Interest charged is 0.34% per day, amounting to £306, annual interest rate of 124% (variable). Representative APR: 49.7% (variable).

^Making an application on allthelenders will not affect your credit score. If a lender or broker accepts your application you will be redirected to their website to finalise your loan and the lender or broker may perform a full credit check. We are a credit broker and not a lender. High cost short term credit is unsuitable to support sustained borrowing over long periods and would be expensive as a means of longer term borrowing

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Comparison results are displayed below. We are independant and impartial. Results are listed in order of the total amount payable from the lowest to the highest.


Emergency Cash Loans on allthelenders

Apply for an Emergency Cash Loan on allthelenders

allthelenders offers a free and independent price comparison service for payday loans, short term loans and emergency loans. Use our free comparison tool to find an emergency loan from more than 20 direct lenders.

What are Emergency Cash Loans?

Emergency Cash Loans are usually small, short term loans that are taken out to cover a sudden, unexpected expense.

We never know when something unexpected is going to happen in life and although we try to save for those rainy days, sometimes we need a little extra cash to see us through.

Emergency Loans may sometimes be called Payday Loans as usually they would be repaid on your next payday.

How can I get approved for an emergency loan?

Criteria to get approved for an emergency loan is largely the same the application criteria for a payday loan or a short term loan.

Lenders will be looking for some of the basic criteria such as:

  • You must be over 18
  • You should have regular income, normally through employment
  • You must be a UK citizen
  • You should have a UK bank account with a debit card
  • You’ll need a mobile phone and email address

As with all loans, emergency cash loans will be subject to credit checks and affordability checks.

Compare longer term bad credit loans here

Loans from £500 to £15,000 from 1 to 5 years


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Can I get an emergency loan with bad credit?

Yes you can, as long as you are not in an IVA or bankrupt or have severely bad credit. What we mean by severely bad credit is multiple CCJ’s, defaults and a history of missing payments on other credit accounts.

Emergency loans are typically issued by short term or payday lenders so people with some history of bad credit may be able to get a loan. If you would like to check if you would be eligible for an emergency loan then why not make use of our price comparison tool above and find a suitable lender.

Can I get an emergency loan with no credit check?

No, this is not possible. The lender must undertake full credit and affordability checks before agreeing any loan – this is done to protect both yourself and the lender.

Emergency cash loans are typically high cost and if not used correctly could make a bad financial situation even worse so you should think carefully before applying.

There are no regulated loans in the UK that you can get without having a full credit check, if you see advertisements for loans with no credit checks we would strongly advise you against using these companies.

I am on benefits or unemployed, can I get an emergency loan?

It is certainly possible, however, you may find that your choice of lenders will be far more restricted than somebody who is in employment.

However, if you are on benefits or are unemployed we would not recommend using emergency cash lenders because of the costs associated with these types of high-cost loans – we would encourage you to look at alternatives first such as applying with your local credit union, asking family or friends or checking the Money Advice Service for other emergency loan options.

How long does it take to get a loan?

Generally, the loan process is very fast, after applying you’ll usually be given an instant online decision and if your loan is accepted, you will be invited to sign the paperwork electronically.

You can do all of this from your mobile phone or computer and after signing the documents and the lender has made their final checks, your loan will be sent to your bank account sometimes within 15 minutes or usually within the hour.

This all depends on the times that you make your application of course, applying at the weekend or bank holiday may mean that you wont get your loan until the next working day.

What can I use an emergency cash loan for?

There are many reasons that people would need an emergency loan, usually it’s for something that is totally unexpected. It could be for essentials such as:

  • Car repairs
  • Home repairs
  • Fixing a broken boiler
  • Emergency medical bills
  • Emergency vet bills

Emergency loans can help with all of these types of issues because they can be approved and paid out extremely quickly meaning you can deal with the issue you need to the same day.

Compare Live Rates For Short Term Loans Now

(Loans from 3 – 12 months). Representative 49.7% APR.


Emergency Loans from Reputable Lenders

How do I repay an emergency loan?

The lenders featured on allthelenders will typically arrange equal monthly repayments – so that you know exactly how much you will be repaying each month. All you need to do is make sure that you have money available in your account on that specific day for collection.
When borrowing money with our lenders, you are in control.

You can select exactly which day you would like your repayments to be taken and most people will choose the day that they get paid from work, which is usually the last Friday of the month or the 25th of each month.
Loan providers will use a system called continuous payment authority which collects the amount owed from your debit account each month on the scheduled date. This is an automatic system used for recurring payments and means that you do not have to call up, go to the bank or send anything in the post – as it is all taken care of.

Where can I apply for an emergency loan?

allthelenders works with more short term, emergency lenders than anybody else and we can help you get a loan without it affecting your credit score.

Warwick Financial Services Limited is an authorised credit broker and not a lender. We may receive a commission from a lender that accepts your loan application, this commission does not affect your chances of acceptance nor the cost of your loan.  Find out more about how our comparisons work here.