Emergencies don't care if you have good credit or not. Sometimes, you need to borrow money even if your credit score isn't the greatest. If you're in those shoes, there's good news and bad news. 

Best Emergency Loans for Bad Credit

The good news is there are plenty of lenders offering emergency loans for bad credit. The bad news is you'll need to sift through a lot of lenders first, and the loans can be more expensive. But if you find the right lender, borrow an amount you can afford to repay, and make all those payments on time, you may come out the other end with a stronger credit score. We reviewed the top lenders that offer emergency cash loans to help you do just that, including offers from our partners.

To choose the best emergency loan providers, we evaluated over 40 lenders on their interest rates, fees, loan amounts, repayment terms, and hundreds of other data points to ensure our reviews are as comprehensive as possible.

• PLANBLOAN – Best for emergency loans online
• LENDPLANS – Best for fast application process and payment
• FUNDSJOY – Best for same day emergency Loans
• GREENLIGHTCASH – Best For emergency loans for bad credit

Final Verdict

Options for emergency cash loans to people with bad credit are a bit limited, but there are still plenty to choose from. PlanBloan stands out as a particularly good lender. It's very accepting of bad credit, and it offers ways to lower your loan costs—and save money going forward with its other financial products.

LendPlans is a good choice if you need fast approval and disbursement; FundJoy is another good pick for fast loans, with clear instructions on how to get the money quickly. Another good place to start is your own bank, and many, such as U.S. Bank and First Tech FCU, offer emergency loans for bad credit.