Diego Anderson is a Real Estate Agent based in the Bay Area of California. Having received his Real Estate License at the age of 18, he wasted no time learning the ins and outs of the industry. He has always focused on learning the latest tools and technologies. With a focus on residential dual agency, he loves supporting and educating families on their home buying and selling decisions. He is ...

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florida. ...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Apr 10, 2022

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  • No-credit-check emergency loans have at least a 5.99% interest rate
  • APR varies for each lender
  • You can get approved for no-credit-check emergency loans even with bad credit

Getting a loan with bad credit isn’t as hard as it seems. You can get no-credit-check emergency loans even if you have bad credit. But how much can you get on no-credit-check emergency loans?

Our guide has everything you need to know about no-credit-check emergency loans and which lenders provide the best personal loans for people with poor credit.

After you’ve learned about no-credit-check emergency loans, enter your ZIP code to compare multiple lenders in your area.

How do no-credit-check emergency loans work?

No-credit-check emergency loans are designed to give money to people who have no credit or poor credit. These loans are usually the last resort when a bank or credit union denies your loan application.

The requirements for no-credit-check-emergency loans are:

  • Must be at least 18 years old (19 years old in Alabama and Nebraska)
  • Must be employed, self-employed, or receive benefits
  • Must have a bank account
  • Must provide personal information (such as driver’s license info, Social Security number, and home address)
  • Must be a United States citizen

In addition to these requirements, you may have to pay an application fee to receive the loan. How much are loan application fees?

It varies by company, but the Consumer Financial Protection Bureau says loan application fees are generally $10 to $30 for every $100 you borrow.

However, no-credit-check emergency loans have origination fees, which are 0.5%-1% of the loan amount.

Can I get no-credit-check emergency loans with bad credit?

Yes, you can. No-credit-check emergency loans are available for people who have credit scores less than 560. Lenders market no-credit-check loans to help borrowers with bad credit build a better credit score.

Can you get a no-credit-check loan on the same day?

The short answer is yes. You can get guaranteed loan approval with no credit check on the same day, but it varies for each company.

In addition, online lenders can approve your loan application faster since the information is filed electronically.

What’s the minimum credit score to get no-credit-check emergency loans?

Each lender is different, but some no-credit-check lenders don’t have a credit requirement. Instead, lenders are more concerned about your employment status.

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What’s the average APR for no-credit-check emergency loans?

Your credit level determines your APR (annual percentage rate) for personal loans.

While lenders of no-credit-check emergency loans don’t look at your credit report, it’s essential to know your credit status. Here’s a list of credit scores to help you gauge where your credit level stands.

  • Exceptional – 800 to 850
  • Very Good – 740 to 799
  • Good – 670 to 739
  • Fair – 580 to 669
  • Very Poor – 300 to 579

But how does this relate to APRs for personal loans, auto loans, or business loans? First, let’s compare various credit scores and see how they affect APRs.

Personal Loan APR by Credit Scores
Credit Score RangeAverage APR
Less than 560113.62%
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The reality is that APRs are much lower for personal loans, but no-credit-check emergency loans have higher APRs. Therefore, you should shop around for affordable no-credit-check emergency loans (loans with a low APR).

The Best Emergency Lenders in 2021

You can secure affordable no-credit-check emergency loans by comparing multiple lenders. Here are the best emergency lenders in the United States.

Best Lenders for No-Credit-Check Emergency Loans by Loan Amount
LendersLoan AmountInterest Rate (APR)Loan Term
PersonalLoans.com$500 to $35,0005.99% to 35.99%3 to 72 Months
BadCreditLoans.com$500 to $10,0005.99% to 35.99%3 to 60 Months
CashUSA.com$500 to $10,0005.99% to 35.99%3 to 72 Months
BillsHappen®$500 to $5,000VariesVaries
CreditLoan$250 to $5,000VariesVaries
MoneyMutualUp to $5,000VariesVaries
CashAdvance.com$100 to $1,000200% to 2,290%Varies
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Some lenders have low minimum APRs, while a few have an unreasonable APR. CashAdvance may not be an ideal choice, but it made its way to the top of the list of seven lenders.

How do you get emergency cash immediately from a bad credit direct lender?

The fastest way to get an emergency loan is to walk into a lender’s office and complete an application for a short-term loan.

Many of these lenders advertise their services on local TV stations and promise quick cash in a matter of minutes.

However, these loan companies usually have higher than average interest rates. This is because these loans come straight from the lender.

The higher your loan, the more they’ll need from you, usually in the form of collateral (such as a car title).

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How do I get no-credit-check emergency loans from banks and credit unions?

Traditional banks and credit unions don’t issue no-credit-check loans. A person with no credit or poor credit is considered high risk.

Banks and credit unions have certain requirements that you must meet to get a loan. If you don’t meet those requirements, you won’t receive an emergency loan.

Can I get no-credit-check emergency loans while unemployed?

It depends. You have to show the lender that you have a steady income. If you can’t provide proof of income, they won’t loan you any money.

No-Credit-Check Emergency Loans: What’s the bottom line?

No-credit-check emergency loans can get you money faster, but they usually have a higher than average APR. And APRs will be even higher if you have bad credit.

Don’t go with the first loan you see. Shop around for no-credit-check emergency loans. Use our free online quote tool to compare multiple lenders near you.

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Frequently Asked Questions: No-Credit-Check Emergency Loans

Before you go, let’s answer a few frequently asked questions related to no-credit-check emergency loans.

#1 – What is the easiest loan to get with bad credit?

A no-credit-check emergency loan with a short term is easier to get.

#2 – Can I get a loan with a 500 credit score?

The answer is yes. Your options are limited to no-credit-check loans or bad credit loans with higher than average interest rates.

#3 – Can I get a small loan with no credit?

It depends on the lender. Small loans could be as low as $100 but could have APRs of 36% or higher.

#4 – What’s the difference between a personal loan and a cash advance?

A personal loan is a credit line that allows you to make a large purchase or consolidate debt to one place. Personal loans usually have lower interest rates.

Meanwhile, a cash advance is a short-term loan against your credit card. Interest rates still apply as if you bought something with your credit card.

#5 – How can I get emergency money fast?

Be prepared to show proof of income and have something of value to put up as collateral. Some companies can get you an emergency loan within an hour.