How to Get an Emergency Cash Loan

What it is

An emergency cash loan is a loan that is taken out to solve a temporary cash flow problem or shortfall that can arise in between pay periods. For instance, a borrower may want an emergency cash loan to pay for groceries, bill payments, mortgage payments, or even unexpected medical expenses. An emergency cash loan carries more risk for the lender than a usual loan and therefore carries a higher interest rate for the borrower.

These loans are only for borrowers who can repay the loan immediately, within a day or two. Depending on the lender, an emergency cash loan can be obtained by people with bad credit of people who have had more difficulty getting approved for loans and mortgages in the past. Emergency cash loans offer up to $1,500 for first time borrowers, do not require credit checks, offer 24 hour approval and 100% privacy protection.

Who it's for

An emergency cash loan is for people who have fallen short of cash and require a super short term loan in order to make ends meet for a short period of time. Emergency cash loans can help people pay the bills, pay for emergency repairs on a vehicle, take care of vehicle insurance, pay for emergency travel or medical expenses, and much more. These loans aren't for everyone, but for people who have poor credit or require fast cash within 24 hours. The interest rate on these loans will be very high and only people who can repay them immediately should consider them.

What you need to do to apply

In order to obtain an emergency cash loan, interested borrowers should contact a local emergency cash lending company or an internet-based emergency cash lending company. Being accepted is usually as easy as filling out an application form.

Apply for an Emergency Cash Loan

Cash Advance Network: Need money now? Get up to $1000 in just 24 Hours - Apply online!

Popular Credit Cards

Citi® Platinum Select® MasterCard®

Citi® Platinum Select® MasterCard®

Apply for Citi® Platinum Select® MasterCard®

  • 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
  • Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
  • Citi® Identity Theft Solutions
  • Secure, free online account management
  • No annual fee*
  • Read our review or apply online now at Citibank's Web site.
Intro APR Regular APR Credit Needed Annual Fee
0% Intro APR* 11.99% - 19.99%* (Variable) Very Good $0*

Starwood Preferred Guest® Credit Card from American Express

Starwood Preferred Guest® Credit Card from American Express

Apply for Starwood Preferred Guest® Credit Card from American Express

  • Earn up to 25,000 Starpoints (R) - enough for up to 6 free nights at a category 1 or 2 hotel
  • Use Starpoints(R) for free nights and upgrades at participating Starwood hotels and resorts in 95 countries including Sheraton, W Hotels, Westin and more with no blackout dates
  • No annual fee for the first year and $45 thereafter
  • Transfer Starpoints(R) - almost always on a 1:1 basis - to the frequent flyer programs of over 30 major airlines
  • Earn one Starpoint(R) for every dollar you spend and double Starpoints(R) at participating Starwood properties and retail partners
  • Express Approval. Get a decision in less than 60 seconds
  • Smarter Travel Editor's Choice Award for Best Travel Awards Card for Domestic Use
  • Read our review or apply online now at American Express's Web site.
Intro APR Regular APR Credit Needed Annual Fee
2.90% on Purchases and Balance Transfers for 6 months 15.24% variable Very Good $45**

IberiaBank Visa® Classic Card

IberiaBank Visa® Classic Card

Apply for IberiaBank Visa® Classic Card

  • No Annual Membership Fee
  • Low variable rate of 7.25%, 10.25%, or 13.25% (Prime + 4.00%, Prime + 7.00%, or Prime + 10.00%) as of 4/1/10 based on the creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less than $1.00).
  • Low Introductory APR on balance transfers of 1.99% for your first 6 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness.
  • Online Access to Credit Card Account Information
  • Apply online now at the card issuer's Web site.
Intro APR Regular APR Credit Needed Annual Fee
1.99% APR for 6 Months 7.25%, 10.25%, or 13.25%* None $0

American Express® Gold Card

American Express® Gold Card

Apply for American Express® Gold Card

  • Earn 10,000 Membership Rewards(R) bonus points when you spend $500 in 3 months - redeemable for a $100 gift card!
  • The Membership Rewards program - Turn your everyday purchases into Membership Rewards points, and then redeem them for an amazing collection of travel, shopping, dining and entertainment rewards.
  • Gold Card Events - exclusive access to tickets for select concerts, shows, major sporting events, and more in cities nationwide.
  • Express Approval. Get a decision in less than 60 seconds.
  • Read our review or apply online now at American Express's Web site.
Intro APR Regular APR Credit Needed Annual Fee
No Introductory Rate Available No APR Good $125