Urgent Loans for Bad Credit Online | [year] Guide

Whether you are looking for a refinancing loan, you need some urgent cash, or you need money for debt consolidation and debt relief, it may be difficult to get a loan in case you have a bad credit score.  

Usually, scores that range between 300 and 579 are considered bad credit. In case you have bad credit, you can rely on online loans for borrowers with a low credit score

What is an emergency loan and what are some of the best ways to get urgent loans? Keep reading so you know how to get urgent loans even for people with bad credit online.

Start your application process here: badcreditloans.com and zippyloan.com


What is an emergency loan?

An emergency loan is a personal loan that is usually used to cover emergency expenses like fixing your vehicle, paying for a funeral, and other emergencies like urgent home repairs, medical bills, and similar expenses.

Because of the nature of urgent needs, it is important to find a lender that can process the loan quickly, whereas many lenders take days to complete the process of granting loans. Emergency loans can also have higher interest rates and can be secured and unsecured.

What is a poor or minimum credit score according to FICO?

FICO uses a scoring range from 300 to 850 for ranking credit scores and consumers’ creditworthiness. According to FICO, poor credit is any score below 580. In case you have a credit score between 3o0 and 579, your score would be categorized as “Very Poor.” Check the table below for all six FICO ranges.

From 300 to 579Very Poor
580 and belowPoor
580 to 669Fair
670 to 739Good
739 to 799Very Good

What are the different types of emergency loans?

Emergency loans can be secured and unsecured. With secured emergency loans, borrowers need to use collateral to secure the money they borrow – borrowers often choose a property or a vehicle as collateral.

In the case of unsecured loans, the decision of granting a loan is based solely on your credit score, and such a loan doesn’t require collateral. There are also several types of emergency loans:

1. Personal loans

Personal loans are instalment loans that are usually paid in increments over an agreed period. Personal loans are usually granted by online lenders, banks, and credit unions.

In general, personal loans are unsecured and can vary in interest rates, depending on the lender and your credit score. In the case of applying for a personal loan, you may only be asked to disclose your credit score information and your Social Security Number (SSN).

2. Cash advances

In case you have a credit card, you might be eligible for cash advances. That means that you can take out the money you don’t have through cash advances and pay off monthly with an interest rate as a part of your credit card payment.

What you need to know in case you decide to go for cash advances, is that banks usually charge a higher APR (Annual Percentage Rate). The greatest advantage of cash advances is the fact that your credit card can be funded within a day. 

3. Car title loans

Car title loans are secured loans that use the title of your vehicle as collateral. Car title loans can grant borrowers smaller amounts in loans with high-interest rates, posing as a short-term loan. There is a risk involved as you may lose your car title in case you fail to repay the loan within the agreed time.

4. Payday loans

Payday loans are unsecured loans that can grant borrowers a smaller loan, usually ranging from a couple of hundreds to a thousand dollars.

Payday loans are not consumer-friendly due to high-interest rates that can go up to 400%. Payday loans are usually taken for a short period of two weeks and are usually paid out in full of the next payment that reaches your bank account.

5. Payday alternative loans

In case you don’t find payday loans attractive, most probably because of high-interest rates, some credit unions offer Payday Alternative Loans, otherwise known as PALs.

You may be eligible for a PAL with maximum interest rates of 28%. PALs are usually paid out in instalments over 6 months and with lower interest rates in comparison to car title loans and payday loans. You can borrow from a couple of hundreds to a thousand dollars with payday alternative loans. 

6. Pawnshop loans

Pawnshop loans can be a great alternative to car title loans and payday loans as pawnshops usually offer low-interest rates.

To get a loan from a pawn shop, you need to use an item of value as collateral, like jewellery for example. The pawnshop keeps your item while you are paying off your loan, and in case you fail to pay with interest, the pawnshop sells your collateral to cover the losses.

The most popular among these options are personal loans. Personal loans allow borrowing larger sums of money with a repayment program over a long period, usually from one to seven years depending on the lender and your credit score.

How should you choose an emergency loan?

When choosing an emergency loan, you should pay attention to several factors, including your credit score and whether you would like to get a secured or unsecured emergency loan.

Every loan comes with additional costs concerning the very processing of the loan you are taking, which should be considered.

You also need to pay attention to your financial history and debt-to-income ratio. Make sure to research the lender and interest rates they offer, as well as loan conditions, before applying for an emergency loan. 

urgent loan online approval for bad credits

What is the easiest type of loan to get with bad credit?

The easiest type of loan to get with bad credit is by contacting a verified online lending service such as badcreditloans.com and zippyloan.com.

Pawnshop loans, car title loans, and payday loans are also the easiest type of loans to get with bad credit. Depending on the lender you choose, you may even get a personal loan with bad credit, however, higher interest rates may apply.

Does getting a loan impact my credit score?

A loan can negatively impact your credit score in case you are late with payments.

As your financial history plays a major role in forming your credit score, you need to pay attention not to get late with payments or miss your payments in general.

Your credit score may also be impacted by the length of the repayment period and the borrowed amount. 

How big of a loan can I get with a poor credit score?

You can probably get approved for smaller loans with Very Poor and Poor credit scores, whereas both are considered bad credit.

With a Fair credit score, you can get bigger loans with lower rates in case your credit score is between 580 and 669. Generally, interest rates are higher for bigger loans with bad credit, which also depends on the repayment period.

What are the ways to repay emergency loans?

You can repay emergency loans in case your interest rates are piling up by debt consolidation. Debt consolidation allows borrowers to repay several debts within a single payment, which is usually done via personal loans or a credit card.

Another way to quickly repay emergency loans is by making bi-weekly payments. You can divide your monthly payment in two and make payments more often, which would result in lower interest rates.

You can achieve the same effect as with bi-weekly payments if you decide to make an extra payment every year during your loan repayment. You can also find an extra part-time job or work-for-hire tasks that could bring you some extra cash that you can use to pay out your loan.

Where can I borrow money immediately?

You can borrow money immediately with badcreditloans.com and zippyloan.com. These are some of the top online lending services that can grant loans to people with bad credit and low credit scores.

Badcreditloans.com can lend you anywhere from $500 to $10,000. You only need to fill out a quick form to apply for a loan.

For example, if you borrow $2,000 with badcreditloans.com, you can get a 19.9% APR, which means that your total repayment would be $2,203.

Zippyloan.com will let you borrow between $100 and $15,000, while you can get approved in less than 24 hours. To request a personal loan from zippyloan.com, you will need to provide your full name, address, and income information.  

Who will lend me money with bad credit?

Both badcreditloans.com and zippyloan.com will grant loans and lend you money even if you have bad credit.

Both services are designed to provide support for bad credit loans, connecting you with the loan that works for you based on your financial history and your requirements.  

Can I get a fast loan without a credit check?

Badcreditloans.com is not a direct lender, but instead connects borrowers with a network of lenders who can grant loans without the need for credit checks.

You can get a fast loan without a credit check with badcreditloans.com thanks to a free market of lenders.

Zippyloan.com works in the same way, representing a free market of lenders where borrowers can apply and get matched with lenders that can grant bad credit loans.

Zippyloan.com and badcreditloans.com don’t guarantee that borrowers will be connected to appropriate lenders as these service providers are mediators between the market of lenders and borrowers. You may still qualify for a loan even with bad credit.

How long does it take to approve an emergency loan?

With badcreditloans.com, you can get a personal loan generally within 24 hours. In case you find a suitable lender for your credit score and conditions, you may get approved within minutes.

Zippyloan.com usually grants loans within 24 hours, as well, in case you are matched with a suitable lender. Once you apply for a loan, you may get to use the money as soon as tomorrow. In case any of the providers can’t find a suitable match for your loan request, you may wait for days until you are offered a loan.

What are the eligibility criteria?

What makes badcreditloans.com and zippyloan.com a great alternative for borrowing money is the fact that there are no requirements for minimum credit scores.

Regardless of your bad credit and poor score, you may still be able to find a lender to match with and take a loan you need.

You won’t be charged for being connected to one of the lending partners on zippyloan.com and badcredityloans.com, however, lenders will charge fees for processing your loans.

In the case of badcreditloans.com, you need to be older than 18 and provide proof of US residency. Only US residents are eligible for taking a loan through this service provider, which can be confirmed through SSN or with proof of payment residency.

When it comes to zippyloan.com, eligibility criteria include providing a regular source of income and proof of identity to take a loan from a market of lenders. You can use the loan as you wish with no collateral.  

How to apply for an emergency loan online?

To apply for a loan on badcreditloans.com, you need to fill out a form with your Social Security Number (last 4 digits), the amount you would like to borrow, the reason for a loan, your zip code, and your birthdate.

You can apply in minutes, after which you should receive suitable offers to match your requirements. Once you choose a lender and accept conditions, you will get a loan. Applying for a loan shouldn’t take more than several minutes.

To apply for a loan on zippyloan.com, you need to start with a 5-minute application form that lists your requirements so that you could get matched with an appropriate lender from the network of partners.

You will need to provide the reason for taking a loan, the amount you want to lend, your credit score type, and some basic personal information. The form will also ask for employment details and contact and deposit information to get started. 


In conclusion, urgent cash loans are very helpful for those who find themselves in dire financial situations. If you’re just trying to get by, it may be worth taking one out.

If you’re looking for a way to get money now for whatever reason, you should look into urgent cash loans. They’re a lifesaver when it comes to people who need money as soon as possible without jumping through hoops to get it.

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