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Emergency Loans for Bad Credit

No Fees
High Approval Rate
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Borrow a Loan From £100 – £5,000*


Quickly Search Multiple Lenders To Find The Best Deal


Most Loans Are Paid on the Same Day

Always Open

Apply Anytime, 24 Hours, 7 Days a Week


Safe & Secure Online Technology

Rates from 12.9% APR to 1625.5% APR. The Minimum Loan Term is 1 month. Maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Total amount repayable is: £1564.59. Interest amounts to £564.59, annual interest rate of 59.97%. Representative APR: 79.5% (variable).

WARNING: Late repayment can cause serious money problems. For help, visit moneyhelper. LoanBird are a licenced credit broker, not a lender. LoanBird does not make credit decisions.

Apply for Quick and Easy Emergency Loans Today!

Step 1
Firstly, select the loan amount you want and how long you would like to borrow it for.
Step 2
Once you’ve submitted all your information, you will receive a fast decision. We'll show you your options from our panel of direct lenders – review and choose the offer that suits your needs!
Step 3
Finally, once you have accepted the loan, the lender will send the cash straight to your bank account. Most customers receive the cash on the same day, within 60 minutes.

When unforeseen expenses catch you off guard, rest assured that we’ve got your back. Our emergency loan service provides swift financial assistance precisely when you need it most. Whether it’s unexpected medical bills, car repairs, or any other sudden financial hurdle, our loans offer a dependable solution. By applying through LoanBird, you’ll be able to access a range of offers from our trusted panel of lenders in just minutes! Our platform and clear terms guarantee a stress-free experience, ensuring you receive your funds quickly once your loan is approved by your chosen lender.

What is an Emergency Loan

Emergency loans for bad credit provide a lifeline when unexpected financial burdens arise. Whether it’s a sudden medical expense, car repair, or urgent home repair, these loans offer immediate relief to those facing challenging financial situations. We also offer options for payday loans with bad credit.

Designed to bridge the gap between paydays or cover unforeseen expenses, emergency loans for people with bad credit offer a flexible solution without the need for a pristine credit history. They provide peace of mind by ensuring that individuals can manage unforeseen expenses without resorting to high-interest credit cards or payday loans, which can exacerbate financial difficulties. With quick approval processes and fast disbursal of funds, these loans offer a reliable safety net during times of financial strain.

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Are You Eligible for Emergency Cash Loans?

Eligibility for emergency loans for bad credit isn’t solely determined by credit history; instead, we focus on assessing the applicant’s current financial situation. Whether you have a poor credit score or no credit history at all, you may still qualify for emergency loans for people with bad credit.

Our panel of direct lenders for bad credit emergency loans prioritise affordability and responsible lending, considering factors such as income stability and existing financial commitments. By taking this approach to eligibility assessment, we can ensure that individuals with varying credit backgrounds can access the financial assistance they need during emergencies.

You’re welcome to apply if you:

Are at least 18 years of age.

Are a resident in the UK.

Hold a UK bank account with a valid debit card.

Receive a regular income.

a five pound note

Direct Lenders for Bad Credit Emergency Loans

The direct lenders for bad credit emergency loans on our panel have streamlined the borrowing process, offering efficient and transparent services to borrowers in need. With a focus on providing quick access to funds, we at LoanBird prioritise convenience and simplicity, ensuring that applicants can work through the loan application process with ease.

By eliminating the need for intermediaries or brokers, direct lenders facilitate direct communication between borrowers and lenders, expediting the approval and disbursal process. This direct approach not only reduces unnecessary delays but also creates more transparency, enabling borrowers to understand the terms and conditions of their bad credit loans clearly.

a jar full of emergency cash

How to Apply for an Emergency Loan

Applying for an emergency loan is a straightforward process designed to provide quick access to much-needed funds. To begin, individuals can complete an online application form with us, providing essential personal and financial information to assist their application.

Our panel of direct lenders for bad credit emergency loans prioritise simplicity and efficiency, ensuring that the application process is user-friendly and accessible. Once the application is submitted, borrowers can expect a rapid decision, typically within minutes. Upon approval, funds are disbursed directly into the borrower’s bank account, often within the same day.

With minimal documentation requirements and no lengthy waiting periods, applying for an emergency loan offers a hassle-free solution to managing unexpected expenses. Apply now at the top of this page or contact us for more information.

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Emergency Loan FAQs

Regardless of your credit rating, LoanBird is committed to helping you secure one of our emergency loans for bad credit. Our extensive panel of lenders specialises in offering loans tailored to individual circumstances, whether you have a stellar credit score or a less-than-perfect one. We offer a diverse range of options, including short-term payday loans and longer-term instalment loans, ensuring that you find the perfect fit for your financial situation. Simply provide us with the amount you need to borrow and the desired loan duration, and we’ll promptly present you with pre-approved lender offers.

If you encounter difficulties in repaying your emergency loan for bad credit, it’s essential to communicate with your lender as soon as possible. Contacting them allows you to discuss potential solutions and establish a feasible timeframe for repaying any outstanding amounts. Missing repayments may incur late payment fees, which are outlined in your credit agreement.

Should you require guidance amidst changing circumstances, independent advice can be sought from organisations such as Money Helper and Citizens Advice.

Starting at 12.9%, the APR offered by our panel of emergency loan direct lenders is designed to be manageable based on individual circumstances. With our intuitive smart search feature, you can effortlessly compare emergency cash loan offers from various lenders all in one place.

It’s important to recognise that APR rates may vary between lenders, and certain loan products may carry higher APRs than others. We recommend carefully reviewing the terms of the urgent loan with bad credit before proceeding to ensure that you are comfortable with the conditions presented.

At LoanBird, we understand that not having a credit history shouldn’t prevent you from accessing the financial assistance you need during emergencies. Many of our lenders specialise in offering loans to individuals with no credit history or limited credit experience.

By considering factors beyond traditional credit scores, such as income stability and affordability, these lenders can assess your eligibility for an emergency loan without relying solely on your credit history. Simply provide the necessary information in your application, and we’ll match you with lenders who are willing to extend credit based on your current financial situation.

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