Emergency Cash Loans

Emergency Cash Loans
What are Emergency Cash Loans?

Emergency cash loans are a short term, high interest loan that can be taken out at any time and by just about anyone. An emergency cash loan is ideal for when you have a financial emergency or an unexpected expense that you just can’t meet. You can choose a range of borrowing options from a huge variety of different companies to suit any financial emergency.


Everyone knows what it feels like to have a sudden, unplanned expense that you can’t cover-cars are notorious for breaking down before payday, and repairs to the home can often come out of the blue. Being in a hole financially is a very scary and upsetting thing, particularly if you can’t see any way out of it. Emergency cash loans are designed for just this situation-they offer a welcome helping hand in times of financial stress, and are a safe and convenient way to borrow money short term.


How do I get Emergency Cash Loans?

There are so many companies out there offering emergency cash loans that you will be spoilt for choice. Search for one that offers loans and repayments that suit you, then all you need to do is decide how much you need to borrow and how long you want the repayments to be spread out, then simply fill in the online forms and away you go! Bear in mind that as a first time borrower you will often be limited to a lower sum than if you had borrowed before and built up your loyalty and credit rating with a particular company. 


What are the conditions of Emergency Cash Loans?

To be eligible for emergency cash loans you must:

•Be a UK resident with a valid bank account

•Be over 18 years of age

•Employed or self employed with regular income

•Be able to repay the entire loan within the agreed timescale 


When is a good time for Emergency Cash Loans?

However hard we try to save and be sensible with money, accidents can happen and emergencies do arise. A broken car; a problem with plumbing; an unplanned bill or expense-these are all fantastic reasons for taking out emergency cash loans. “Emergency” is the key word here-you should only use cash loans and payday advances as a short term solution to an unplanned expense. They are not designed to be a long term solution to cash flow problems as the interest rates are very high and you will end up paying back far more than you borrowed, but in an emergency, cash loans can be a fantastic tool to help yourself out of a tight situation.


Advantages of Emergency Cash Loans

The fast application and approval process means that you can receive a lump sum of extra money when times are tight-no queuing for hours in a bank and waiting for a potential “no” decision. The online process means no piles of paperwork to plough through, and also means that you can apply for emergency cash loans twenty four hours a day, seven days a week. With the structured repayments, agreed beforehand, you can plan your finances and be able to repay the loan without any trouble. Even a low credit score or a bad credit history does not necessarily mean that you won’t be eligible for emergency cash loans-and you have nothing to lose by trying the online calculator and finding out!


Downsides to Emergency Cash Loans

Because these loans are designed to be a short term solution to debt management and repayments are spread out over months rather than years, the interest rates are very high. If you don’t manage to repay your loan then you will be caught out with even higher charges and may find yourself in more debt than before, so do always work out your finances before you apply for your emergency cash loan so you can be sure that you can easily repay what you borrowed.


Are Emergency Cash Loans safe?

The short answer is YES! All emergency cash loans are lent responsibly, credit checks are carried out and companies who lend money online are regulated by independent financial services. The online application is safe and verified, and all of your personal details will remain secure. You can apply for an emergency cash loan safe in the knowledge that all your sensitive data will be protected.


Emergency cash loans are great for those moments in life where financial emergencies are beyond your control. There is absolutely no shame in applying for an emergency cash loan-everybody, at some point in their lives, reaches a moment where unexpected expenses arise and cannot be dealt with without outside help. There are other options for borrowing money-for example a bank loan, a helping hand from your parents or a kind hearted friend who is in a position to help out-but these options are not always available.


Emergency cash loans are perfect for when there is no other option and you need to get out of a tricky situation. They can be applied for from the comfort of your own home and in most cases you will receive money into your bank account within hours. You don’t have to go out to a bank, queue for hours and wait a long time for a decision-which is often a no anyway!


Emergency Cash Loans online

The process for applying for emergency cash loans is all carried out online, so you will need access to the internet. Don’t worry though-the application is simple and easy to complete and you don’t need to be a computer wizard! You will need various information such as your bank account details and personal information to verify your identity, and you will need to work out your finances to make sure that you can repay your loan within the agreed timescale.


For those unexpected expenses that you can’t see your way to paying, emergency cash loans can be your answer.



Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Online Application

1. Apply Online

2. Online Decision

3. Loan Transferred

  • Borrow up to £1000
  • Simple on page application
  • All circumstances considered

APR Explained

Representative 277.6% APR

  • Representative Example:
  • Amount of credit: £850 for 11 months at £146.30 per month. Total repayment of £1,609.25. Interest: £759.25. Interest rate: 150% pa (fixed). 277.6% APR Representative. APR rates range from 45.3% APR to 1575% Max APR
  • Your APR rate will be based on your circumstances.
  • Rates from 45.3% APR to 1575% APR - we provide a no obligation quote; your APR will be based on your personal circumstances.