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Urgent Loans For Bad Credit Get Funds in 1 Hour or Less

If you are looking for urgent loans with bad credit near me, Pheabs can help you get quick funding in 1 hour or the same day. For those who want to borrow $500 or $1,000 urgently, we work with a number of legitimate lenders who can offer instant approvals and same day funding and will take very poor credit histories into consideration. To get started, click on the button above!

Representative Example:
Borrow $300 over 3 months, at 400% APR, 3 equal repayments of $218.91, total to repay $518.91

Author · Reviewed author · Edited author · Modified on 24 October, 2023

I Need a Loan Urgently, How Can Pheabs Help?

If you need money urgently for an emergency and have exhausted all other options, Pheabs is delighted to offer a fast and completely online solution. We have partnered with a number of lenders across the USA and Canada including payday loans, personal and title lenders, so that you can get a loan quickly and sometimes within 1 hour or even 15 minutes.

Whether you are looking to borrow $500, $1,000, $2,000 or $10,000, we will match your loan request with the best lender who can offer the most competitive rates, highest approval and fastest funding too. We have a number of options for very bad credit or no credit, allowing you to leverage the choice of multiple lenders at once and use collateral or apps if you need them.

We can help with urgent loans for:

  • Car repairs
  • Household repairs
  • Paying rent
  • Paying childcare
  • Tax bills
  • Business cash flow
  • Utility bills
  • Medical bills

How To Apply With Pheabs in 3 Simple Steps


Step 1

Start by filling in our form by clicking on the ‘Get Started’ button. Enter how much you wish to borrow and provide your details as accurately as possible.


Step 2

You will be given an instant decision  with the most competitive rate from one of our partners. You will be given a loan agreement with all the key terms of your loan which you can electronically sign.


Step 3

You will loan application will undergo further checks and once approved, your loan can be funded within 1 hour or the same day!

How Can I Get an Urgent Loan For Bad Credit?

Whilst it can often be hard to get loans for people with bad credit, there are lots of lenders across America and Canada who specialize in just helping people with poor credit. These lenders understand that you do not have a perfect credit score and that certain emergencies might have prevailed in the past which has meant you have sometimes fallen behind on some repayments of loans, debt or credit cards.


You can apply for an urgent loan for bad credit because:

  • We work with more than 50 lenders who will take a view on poor credit
  • We may adjust the interest rate you are offered
  • You may require collateral such as a car to be eligible
  • We may spread repayment over time to make life easier
  • You are eligible by being full time employed and with a regular income

The Eligibility Criteria For Urgent Loans With Bad Credit

  • Be a US and Canadian citizen.
  • Over 18 years of age 
  • Have a SSN
  • Have a live checking or bank account to receive funds
  • A stable income of at least $800 per month, full time or part time
  • Can make repayments on time

Do You Offer Urgent Loans No Credit Checks?

Yes, it is possible to get urgent loans with no credit checks since there are certain products which do not carry out traditional checks. For instance, title loans are borrowed against your car and the value and condition of it – so you can access $500 or $1,000 by using your car as collateral, but this can be at risk of repossession if you do not keep up with payments. See also no credit check loans.

However, other mainstream products such as payday loans, installment loans and personal loans will typically involve credit checks as part of the application process. However, this should not deter you from applying or from getting the cash you need. If you can demonstrate to the lender that you are fully employed, earning a regular wage, your credit score is improving and you are committed to repaying on time, there is no reason why you cannot get sorted if you need urgent money today.

Can I Apply For Urgent Cash Loans With Funding On The Same Day?

Yes, it is possible to get urgent loans on the same day of applying, because the amounts we typically lend are for $300, $500 and $1,000 and this means that a lot of the underwriting process can be automated and because the loan is unsecured, you can often be instantly approved and receive funds on the same day.

In some cases, you may be required to answer a few questions on the phone with the lender of choice, or provide proof of income or address, but if you are ready and by your emails or phone, you can get everything lined up for funding today.

Reasons Why You Might Need Money Urgently

There are a number of reasons why you might say ‘I need money urgently’ whether it is for things like household repairs, such as plumbing, heating or roofing problems. Additionally, you might need money to help a friend, pay for a sudden funeral, fix your car or even to stay on top of your rent. 

For whatever reason that you might need an urgent loan, we are here to offer you a safe, reliable and effective way to borrow money urgently.

Where Can I Get Money Urgently?

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.


Where Can I Get Money Urgently?

Family and Friends – Borrowing money from family and friends is always going to be the safest and quickest way to get cash. Your close circle of family and friends will always trust you and typically help you out if you have an emergency and they will usually not charge you any interest or put any pressure on you to pay back anytime soon. This should probably be your first choice when looking for urgent cash now.

Credit card overdraft – If you have a credit card, you will typically be able to go into your overdraft which allows you to borrow emergency funds based on your credit limit and eligibility. This can give you immediate access to cash, but it comes with very high interest rates and can impact your credit score.

Payday loans – Since these types of products are typically very low amounts, they can often be processed quickly and lenders are used to funding them within 1 hour or the same day. They also carry high interest rates and can negatively impact your credit score if you do not keep up with repayments.

Sell things you don’t need – Our homes are full of items that we do not need, from CDs, books and clothes that we have not worn in ages. If you can find a quick way to sell these online or through yard sales, you can often secure a few hundred dollars quickly.

How To Apply For Urgent Loans With Bad Credit From Pheabs

You can start your application by clicking on the ‘Get Started’ button. Enter your details in just 5 minutes including your name, age, address, income, employment, expenses and bank details so we know where to send the funds. We will match your loan request with more than 50 lenders and a range of products to find you the best possible suitor.

You can choose to proceed when you receive an instant decision on the screen. You will be given a loan agreement with all the key terms and fees so that it is transparent and you can electronically sign this. You will undergo some quick further checks by the lender and once confirmed, the funds can be transferred to your bank account or checking account immediately.


How Much Can I Borrow From Pheabs?

We offer urgent loans from $100, $300, $500 to $1,000 or $2,000. Small amounts can often be processed very quickly and larger loans might need some extra checks carried out by the lenders. The amount you can borrow will depend on your income, credit history and length of the loan.

How Do Repayments Work?

Collections are taken automatically by the lender using a process called ACH authorization. You will be able to select the date that you would like payments to come out of, whether it is just a one month payment or recurring over 3 or 6 months. You will typically repay the loan in equal payments in each month until the balance is cleared, with the option to repay early at any stage.

How Fast Can I Get My Loan and What Can Be Done To Speed it Up?

Upon completing the application, you will typically be given an instant approval on the screen with a loan offer that you can choose to pursue with. Small amounts such as $100 and $200 are often funded more quickly because the loan is unsecured and if you meet the lender’s criteria, this can be processed fast. 

To move things along quickly, you should try to apply during work hours of 9AM to 5PM, given true and honest information about your income and employment and be available by email or phone in case there are follow-up questions.

Do You Run Credit Checks?

Most unsecured loan products will run credit checks to ensure that you do not have a lot of bad debt, existing loans or anything that might hinder you from repaying your loan. This includes loans such as payday, installment and personal. Some products may not require credit checks such as collateral, secured or title loans. 

How Much Do You Charge For Urgent Loans?

Borrow $500 over 3 months, at 400% APR, 3 repayments of $288.29, total repayable $864.87

Where Can I Get Urgent Loans With Bad Credit Near Me?

Pheabs works with urgent loan companies across the whole of the USA and in all states including: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, Wyoming