There are various emergency loan companies that offer assistance when you’re in financial need.

Emergency loans are among the quickest ways to borrow money, whether it’s for a vacation, auto repair, or any other financial emergency.

The topmost emergency loans have convenient repayment methods, straightforward online applications, and next-day funding.

However, choosing a loan provider that suits your needs can be daunting, with several options available.

This is a review of the top emergency loan companies to help you choose the right loan provider.

Each company has been evaluated on various factors, such as reputation, the application process, interest rates, and speed of funds.

4 Best Bad Credit Loans for Emergency Use In 2022

1. Cash Central

This digital lender offers installment loans ranging from 300 to 5000 dollars. Perfect credit is not a requirement to be approved. However, Cash Central has varying loan limits depending on where the borrower resides.

Additionally, Cash Central (owned by Community Choice Financial, a national financial services company launched in 2011) offers credit lines and payday loans. However, Cash Central may restrict your options based on your residence.

This lender has repayment terms from 6-24 months, and you’re allowed to make payments biweekly, semimonthly, and monthly.

Cash Central withdraws the funds you owe electronically on the due date, so you don’t have to contact the loan provider to settle the debt differently.

When you make timely payments on your loan, the charges will be applied to any current fees or interest and then to the loan balance.


  • The lender’s services are known by varying names in various states. For instance, easy money is the personal loan originator in Alabama.
  • You can have loan funds in your bank account on the same business day the loan is approved.


  • Interest rates range depending on factors like the type of loan you applied for and your credit records.

2. Viva Payday Loans

Viva Payday Loan is a top all-encompassing bad credit payday loan platform.

There are several bad credit payday loans varying from 200 to 5,000 dollars, with terms ranging from two to 24 months. You can fill out an application form online, receive loan approval feedback in two minutes or less, and receive a response.

Upon authorization, you’ll be directed to the lenders who’ll offer you the loan. The lender may ask for more information like your bank records, proof of income, and address proof.

Go through the terms and conditions and sign the loan agreement, after which the lender will transfer the funds directly into your bank account. Please note that loan repayment is an automatic monthly deduction.

Payday loans at have interest rates ranging from 5.99% – 35.99% and don’t scrimp on offers—offering loans even to those with bad credit scores, the unemployed, and welfare recipients.


  • The application and approval process takes less than 3 minutes
  • Loan amounts range from 200 to 5,000 dollars
  • Payout on the same business day.


  • Inaccessible in some states.

3. Cash Net USA

Cash Net USA is an online lender that offers various loans depending on where you live. They offer different loan types, including lines of credit, payday, and installment loans. The loan amount varies by state; however, most payday loans fall within the range of $100-$600, whereas lines of credit and installment loans range from $100-$3,500.

These loans are offered only in 29 states, meaning the amount and type you’ll qualify for depends on your residence.

Cash Net USA charges a more significant annual percentage rate than other personal loan lenders. Depending on the type of loan and your location, the APR may be as low as double-digits or as high as triple digits.

CashNetUSA charges a fee for the cash borrowed, with your location determining the payback conditions and loan costs. Generally, you may expect to start paying a fixed price and a deadline, usually as early as your next paycheck.


  • You are eligible for a loan even with a poor credit score
  • There are various short-term loans available
  • The application process is simple
  • Faster loan disbursement


  • The charges vary depending on where you reside
  • The interest rates are very high.

4. Check City

Check City is a payday lender available in over fifteen states, with federal and state laws regulating it.

Compared to other payday lenders, Check City is more open about state consumers’ protection, and the time frame, charges, and loan amounts vary depending on where you live.

In general, you have between 7 and 31 days to repay your loan with charges of $15-$29 for every $100 borrowed.

Even so, this isn’t always the case; in some places, you can take out a loan for up to six months inclusive of interest instead of a flat cost.

Irrespective of the loan taken out, this often translates into an APR that falls within the range of 150-600% and can go as high as 900%.


  • Customer data privacy is guaranteed
  • You can get your loan approved on the same day if you apply in-store
  • State licenses are available on the website.


  • In-store application is accessible in only four states
  • APR can be as high as 900% in some instances.

ALSO CHECK: The Benefits of Unsecured Personal Loans

Final Thoughts

Hopefully, this guide will help you filter through the best bad credit loans for emergency use in 2022. Depending on your preferences, you can choose the best bad credit loan that’ll help you take care of your emergencies.

While personal loans offer a temporary solution, don’t delude yourself; taking out a personal loan is akin to accruing more debt. Take some time to do adequate research and compare rates no matter how badly you need the money.

The post 4 Best Bad Credit Loans for Emergency Use In 2022 appeared first on InsightsSuccess.

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