Apply for Emergency Cash Loans
and Receive Funds in 1 Hour

Emergency cash loans can help pay for any pressing bills or expenses that you have. Pheabs is here to help! With loans available from $100 to $35,000, you can apply completely online and receive funds in just 1 hour, or the same day or next business day. Simply check your eligibility by clicking on 'Get Started' below and you can receive an instant decision. And yes, we have options for people with bad credit and no credit checks too.

Representative Example:
On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1351.20 and total interest is $601.20. 12 monthly payment of $112.60.*

* We do not know how many customers take out a loan or the APR, this calculation is based on
the mean APR of the lenders we work with

Where Can I Get an Emergency Cash Loan?

Not everything in life is predictable. Sometimes you can be thrown off-track by an unexpected emergency, and need fast access to cash to help manage it.

However, as many of these moments are unexpected, you might not have the funds to pull you through such circumstances. That’s where emergency cash loans can help.

Emergency cash loans can help to keep you financially afloat during challenging situations.

We can explore the best short-term loan options for your situation. After filling in our online submission form, you’ll be connected with one of our reputable partner lenders. If successful after our partner’s further checks, you could receive funds in 24 hours/the next working day.



We’re a broker not a lender, but we’ll still make sure that the loan is affordable. Even if you don’t have a perfect credit history, we’ll try to help.


The Right Fit

We only work with reputable lenders, so we know they are lending responsibly. We’ll search our panel of lenders to find the right loan for you.


Soft search will not impact your credit score

We offer soft search loans that will check of the basis of your credit record but not leave any visible footprint.

What is an Emergency Cash Loan?

As the name suggests, an emergency cash loan is a loan that is urgently needed. If it wasn’t such an emergency, you might have been able to save up the money to fund you through such situations. However, unfortunately these unexpected moments can be an unavoidable part of life.

Emergency cash loans are there to help in such circumstances, providing borrowers with the temporary funds they need to finance their way through the unexpected or urgent situation.

What Can Emergency Cash Loans Be Used For?

Emergency cash loans can be used in a variety of different situations. Typically, they are used by those who urgently need access to temporary funds. This can include the following circumstances:

  • To pay for medical bills.
  • To pay for rent, utility or other common bills.
  • To pay for a car repair.

These are situations that sometimes can’t be planned for. An emergency cash loan can help to provide a temporary means of finance through such circumstances. It’s important to note that you should never take out this type of loan without having a solid repayment plan.

Can I Use a Payday Loan as an Emergency Cash Loan?

Yes, payday loans can be a good option to consider when exploring emergency cash options. Payday loans can be great for those who just need access to temporary finance until the end of the month/their next pay day.

Those who are confident they can pay back this loan with their next pay check could consider payday loans as a feasible option.

Can I Take Out an Emergency Cash Loan With Bad Credit?

Yes, if you’re in urgent need of a loan but have bad credit, you could still be eligible with certain lenders. As if an unexpected emergency requiring urgent funds wasn’t stressful enough, many with bad credit may feel they won’t be accepted for a loan.

However, this is simply not the case. There are a number of different providers that accept those with bad credit.

Pheabs works with a number of different reputable lenders like this, who will look at factors other than your credit score when assessing a submission, including:

  • Your employment status.
  • Your income.
  • Your age.
  • The amount you have asked to borrow with them.


What is the Eligibility Criteria for Emergency Cash Loans?

When borrowing any type of loan, there will be certain eligibility criteria to meet. When using Pheabs, you’ll have to meet the following criteria:

  • Be a US citizen.
  • Over 18 years of age.
  • Have a live checking account to receive funds.
  • A steady income of at least $800 per month.
  • Able to make repayments.

As previously mentioned, we also work with lenders that consider those with bad credit, helping a variety of different people access finance that’s suited to them and their needs.

Why Use Pheabs to Find Emergency Cash Loans?

Pheabs is dedicated to helping borrowers find the right emergency cash loans for them. Through us, you can find loans from $100 to $35,000, quickly and simply.

All of the lenders we’ve partnered with are reviewed and vetted for their trustworthiness, as we want to ensure that they all uphold to the OLA standards.

If you’re urgently in need of temporary finance, why not explore lending options with Pheabs today!

How Do I Find Emergency Cash Loans With Pheabs?

You can find emergency cash loans to fit your needs with Pheabs. Simply fill in our online submissions form to receive an instant decision.

We’ll need a few of your details for our online form, including:

  • A valid checking account.
  • Your employment status.
  • The amount you would like to borrow and how long you would like to borrow it for.
  • Contact details (e.g. phone number and email address).
  • Driver’s license number (or state ID).

Want to find the emergency cash loans that meet your personal requirements? Click the button below to begin.