After hundreds of hours of research and analysis, we chose Upgrade as the lender that provides the best emergency loans for bad credit. It offers fast funding, a low minimum credit score, and a wide range of loan terms and amounts. All the lenders in our collection serve borrowers in a hurry (to cover an emergency auto repair, say, or an unexpected medical expense), and who have poor credit. The list names lenders with the most relaxed credit requirements (if not the most affordable rates). We have also included nationally available credit unions because they are often the most consumer-friendly. We researched 70 personal loan lenders and evaluated them on 31 factors, including cost, loan terms, borrower requirements, and additional features. We then narrowed our list of companies to the lenders best suited to provide emergency loans for borrowers with bad or poor credit. If youre not seeing anything in the results that are a good fit for your needs, consider warranties from these companies: APR With Autopay Discount Recommended Minimum Credit Score 620 This lender does not disclose its minimum credit score requirements. Loan Amount APR Range Recommended Minimum Credit Score 300 This lender does not disclose its minimum credit score requirements. Loan Amount APR With Autopay Discount Recommended Minimum Credit Score 619 This lender does not disclose its minimum credit score requirements. Loan Amount APR Range Recommended Minimum Credit Score Not Disclosed This lender does not disclose its minimum credit score requirements. Loan Amount APR With Autopay Discount Recommended Minimum Credit Score Not Disclosed This lender does not disclose its minimum credit score requirements. Loan Amount APR Range Recommended Minimum Credit Score 660 This lender does not disclose its minimum credit score requirements. Loan Amount APR Range Recommended Minimum Credit Score 640 This lender does not disclose its minimum credit score requirements. Loan Amount Why Trust Us 70 Lenders reviewed 31 Loan features considered 1,680 Data points analyzed 173 Primary data sources used Investopedia collected key data points from several lenders to identify the most important factors to borrowers. We used this data to review each lender for fees, accessibility, repayment terms, and other features to provide unbiased, comprehensive reviews to ensure our readers make the right borrowing decision for their needs. Read our Full Methodology Best Emergency Loans for Bad Credit for June 2024 Best Emergency Loans for Bad Credit for June 2024 The Bottom Line What Is an Emergency Loan? How to Choose How to Apply Alternatives Emergency Funds Methodology Learn More About Emergency Loans Investopedia's Rating 4.6 Also the best personal loan lender for: Why We Chose It Upgrade is our favorite overall emergency loan option because it has competitive interest rates, offers fast funding, and is available to borrowers with fair credit. It's also the best option for flexible repayment terms (up to 84 months), and for secured loans (it offers borrowers the option of using a vehicle as collateral). Upgrade's minimum credit score is 640. Upgrade offers a wide range of loan amounts. You also have the option to apply with a co-borrower if your credit isn’t sufficient to qualify by yourself. And you can receive your loan funds within one day of your loan being approved, making Upgrade a good choice when you’re up against a financial emergency. Many lenders we evaluated don't charge origination or late payment fees. In contrast, Upgrade charges a late fee of up to $10 if your loan payment is not paid within 15 days of the due date and origination fees go all the way up to 9.99% of the amount borrowed. Originally founded in 2016, Upgrade is headquartered in San Francisco, California, and has offices in Phoenix, Arizona; Atlanta, Georgia; Orange County, California; and Montreal, Quebec. Pros & Cons Pros Funding within one business day Flexible repayment terms Secured loans available Cons Origination fee up to 9.99% High maximum APR Charges late fees Qualifications Read the FullUpgrade Personal Loans Review 2024 Investopedia's Rating 4.1 Why We Chose It If your income has held you back from getting a personal loan, Upstart might be right for you. There’s no minimum credit score required to qualify. You either must have a credit score or have graduated from or are currently enrolled in a higher education program. This makes Upstart the best choice for borrowers with poor credit. Upstart's minimum credit score is 300. Another benefit of getting a loan through Upstart is the lender’s competitive interest rates. The maximum interest rate is on the higher end—though it's on par for bad credit loans— but its minimum credit score is lower than any other lender we considered. Upstart charges a late fee of 5% of the payment or $15, whichever is greater, if your payment is not received by 15 days after the due date. Originally founded in 2012, Upstart is headquartered in San Mateo, California, and has offices in Columbus, Ohio; and Austin, Texas. Pros & Cons Pros No minimum credit score Low minimum APR Funding the next business day Cons Origination fee as high as 12% Limited range of repayment terms Charges late fees Qualifications Read the FullUpstart Personal Loans Review 2024 Investopedia's Rating 4.2 Why We Chose It We selected Ent Credit Union primarily because of its rapid funding—you could have your funds deposited to your account as soon as the same day you are approved—but it offers a few other compelling features, too. Loan terms extend as far out as 84 months, which can help keep payments small. It offers a wide range of loan amounts up to $100,000 (although the $1,000 minimum won’t help you if you need to cover a smaller emergency). And its minimum required credit score is among the lower ones in our database. Ent Credit Union's minimum credit score is 619. You’ll need to become a member of the credit union to get a loan, of course. Unfortunately, Ent doesn’t offer a prequalification tool, so you’ll need to go through a formal application to see if you qualify, and at what terms. Ent Credit Union was founded in 1957 to serve the Ent Air Force Base in Colorado Springs, Colorado. Pros & Cons Pros Same day funding Low minimum credit score Accepts co-signers and co-borrowers Cons Higher advertised minimum APR Credit union membership required No prequalification Qualifications To join ENT Credit Union, you must: Read the FullEnt Credit Union Personal Loans Review 2024 Investopedia's Rating 2.9 Why We Chose It OppLoans may be worth considering for borrowers with poor credit who may not be able to qualify for another personal loan. Unlike most lenders, OppLoans doesn’t rely on your creditworthiness to make a lending decision. You also won’t pay origination fees and can access your money the same day. Opploans employs non-traditional underwriting and does not disclose a minimum credit score requirement. However, these easily accessible loans come at a high cost. OppLoans has considerably higher interest rates than many other lenders—you’ll pay an APR of 160% for your six- to nine-month loan. Additionally, repayment plans are significantly shorter. Originally founded in 2012, OppLoans has offices in Chicago, Illinois, and Henderson, Nevada. Pros & Cons Loan decision not based solely on credit score No origination fees Same-day funding available No late payment fees Very high interest rates Short repayment terms Not available in all states Qualifications Read the FullOppLoans Personal Loans Review for 2024 Investopedia's Rating 4.2 Why We Chose It Universal Credit, like its parent Upgrade, offers personal loans backed by vehicles. Putting up collateral like a car can help you qualify for a loan that might be out of reach, or it can help you get a better rate on a loan you do qualify for. The risk is that if you can’t pay back the loan, you could lose your car. Another positive is that Universal Credit offers prequalification, so you can check on your eligibility without dinging your credit score. Universal Credit's minimum credit score is 620. You can also apply with a co-borrower, and it has no minimum income requirement, both of which can make it easier for people with bad credit to qualify. Universal Credit is among the more expensive lenders in our database. It charges origination fees, and its advertised APR range tilts toward the higher end. Be sure to take advantage of prequalification to compare with at least a couple more lenders. Pros and Cons Pros Accepts vehicles as collateral Offers prequalification No minimum income requirement Cons Steep origination fees Higher APR range Limited repayment terms Putting up something you own as collateral for a secured personal loan can be a great way to get lower rates and increase your approval odds. But keep in mind it's especially important to make the payments on time because if you don't, your lender can take possession of your collateral. Qualifications To qualify for a loan from Universal Credit, you’ll need to be 18 years old or older and meet some other requirements: Read the FullUniversal Credit Personal Loans Review for 2024 Investopedia's Rating 4.6 Why We Chose It First Tech Federal Credit Union offers loan amounts from $500 to $50,000 and accepts credit scores as low as 660, which is squarely in the ‘fair’ credit range. However, the credit union accepts both co-signers and co-borrowers, so people with truly ‘bad’ credit may still be able to get a loan with First Tech if they borrow with someone else. First Tech Federal Credit Union's minimum credit score is 660. Like other credit unions, APRs max at 18%, half of what many banks and other lenders offer. Loan terms extend up to 84 months, which can help keep monthly payments affordable. You can also defer your first payment for up to 45 days after your loan gets funded and purchase payment protection coverage, which can cover a payment if something unexpected happens and you can’t pay it. Pros & Cons Pros Allows co-signers and co-borrowers Flexible repayment terms Prequalification available Cons Minimum credit score may be too high for some borrowers Credit union membership required Qualification Read the FullFirst Tech Federal Credit Union Personal Loans Review 2024 Investopedia's Rating 4.7 Why We Chose It Patelco is our pick for the best credit union for bad credit emergency loans, and also has more loan flexibility than many other lenders. First, Patelco offers loans ranging from $300 to $100,000. This is a huge advantage because most lenders don’t offer loans of less than $1,000 or more than $50,000. Patelco Credit Union's minimum credit score is 640. Patelco also offers flexible loan terms and competitive interest rates. Loan terms start at just six months, which offers you access to the best interest rates. You can also spread your loan out over as long as seven years for loans of $30,000 or more, which helps reduce your monthly payment. Patelco charges a late fee of 3% of the late payment or $5, whichever is more. Finally, Patelco offers a variety of personal loan types that might appeal to borrowers with poor credit. In addition to an unsecured personal loan, you can also choose from a secured credit builder loan, a secured savings loan, and other secured lending options. Originally founded in 1936, Patelco has 37 branches across Northern California. Pros & Cons Pros Flexible loan amounts and repayment terms Low minimum APR Offers secured and unsecured loans Cons Only available to credit union members Charges late fees Qualifications Read the FullPatelco Credit Union Personal Loans Review 2024 APR Range Average Origination Fee Late Fee Time to Receive Loan Loan Amount Latest Repayment Reset All Hide, not for me Hide, not for me Hide, not for me Hide, not for me Hide, not for me Hide, not for me Hide, not for me *APR ranges for some companies include a discount for automatic payments or existing bank customers. Upgrade is our favorite option for emergency loans for bad credit, thanks to its fast funding, competitive interest rates, rate discounts, and more. However, you may find an even better option based on your credit score, assets, desired monthly payment, and other factors. Make sure you compare loans from several financial institutions before you borrow. If you need an emergency loan to cover an unexpected expense, and have bad credit, you have quick funding options available. While not every lender offers loans to borrowers with poor credit, you can still choose from several great options that offer flexible loan amounts and repayment terms at competitive interest rates. An emergency loan is a personal loan that provides a borrower with a lump sum of money that can be used for almost any purpose—including emergencies like unexpected medical bills and urgent home repairs. Personal loans are not your only option in an emergency. And if you have bad credit, you may need to consider other types of emergency loans like payday loans, pawn loans, or car title loans (learn more about these below). Each of these options will cost significantly more than a traditional personal loan yet may be an option if your credit is poor. If you've got bad credit, this may be the worst time to get a personal loan, since your poor credit will limit your choices and cost you more money in fees and interest. That said, if you're in a tight spot, you may not have time to wait, and an emergency loan may be your best option. It can be cheaper than options such as a payday loan or credit card cash advance. And since an emergency loan is unsecured, it doesn't require you to put up collateral, as you would with a car title loan or a pawn loan.Plus, in addition to helping you out of a jam, your loan, properly managed, can help improve your credit score, in two ways: Some lenders may have restrictions on how you can use the loan, such as for investing or gambling or to pay for college tuition and fees, but most situations that we would consider "emergencies" aren't among them. Because loans to borrowers with bad credit are expensive, you should carefully consider whether or not your situation is a true emergency. Situations that might qualify include: In Investopedia's Personal Loan Borrowers Survey, when we asked current and potential borrowers what they planned to use their loan for, more borrowers said debt consolidation than for any other reason. The next most common uses were loans for home improvements, large purchases, and medical expenses. You won't find "Bad" credit as an official credit score rating, at least not in your FICO credit score. Instead, your bad credit may be "Fair" or "Poor" (or just "No Credit" if your credit history is thin). The table below shows average APR by credit score, updated monthly. There's no secret to improving your credit score—and there are no shortcuts, either. The credit bureaus are transparent about what goes into a credit score. Once you understand those factors, you can create a plan and begin to repair your credit. "A few years ago I had a few mis-steps with my credit due to bad medical debt and some late bills. My FICO score dropped to the mid 500s. It was really bad. But paying down my credit card balances and paying all my bills within 30 days really helped. I was able to get my FICO 8 score up to 700 in just a year. It helps to pay everything off, but getting your credit utilization under 50% and 30% and eventually 10% will drive your score up quickly—even with a lot of late payments on your record."—TJ Donegan, Senior Director, Investopedia Growth & Strategy When choosing an emergency loan for bad credit, some factors to consider include how much the loan will cost, the repayment terms you can get (which will determine your monthly payment), and how quickly you can apply and get funded. Before applying for an emergency loan for bad credit, gather your personally identifiable information (e.g., Social Security number, date of birth, address), income information, and details about the funding you need (loan amount and purpose). This will make the application process easier, as lenders will require you to provide this information. "In early 2015 I used a personal loan from PNC Bank to cover some unexpected, semi-urgent, and pricey medical costs and it was well worth it. Not only did it help me pay for what I needed to in less than 30 days (they were able to approve and disburse funds quickly following an online application), but it helped me avoid putting a 5-figure charge on a credit card with a 20%+ interest rate (the only other alternative I had at the time given my age, short credit history, and lower emergency savings account balance). The loan also helped diversify my credit profile, as I only had student loans and a couple credit cards back then. I watched my score rise as I started paying it off with on-time payments, too, which was an added bonus for someone still fairly early in their credit journey."—Sienna Wrenn, Senior Editor, Investopedia Special Projects An unsecured personal loan is not your only option for an urgent loan, but you should carefully evaluate all of the following alternatives before choosing one. If emergencies are unavoidable, borrowing to pay for one doesn't have to be. All you need is a dedicated savings account—an emergency fund—to help see you through. But how do you build one? An emergency personal loan for bad credit will usually come with the typical fees of any personal loan—mainly origination fees, interest fees, and late payment fees. But those fees may be higher than a loan offered to a person with good credit. Multiple types of lenders offer emergency loans for bad credit, including: Remember, just because a borrowing option is available doesn’t mean it’s a good choice. Credit card cash advances, for example, are notoriously expensive and might damage your credit score by driving up your credit utilization ratio. It’s also a good idea to avoid payday loans and title loans whenever possible. The Consumer Financial Protection Bureau (CFPB) warns that the average two-week payday loan features a steep APR that’s equivalent to nearly 400%. Some types of emergency loans can affect your credit score, while others will not. If a lender doesn’t report your account to one of the three major credit bureaus, the loan won’t influence your credit score—unless you default and a collection agency adds the bad debt to your credit reports at a later date. However, if a lender does share your account details with the credit bureaus, that’s a different story. A traditional bank, credit union, and online lender generally will report account details to the credit bureaus. Payday lenders and title lenders generally do not. When a lender reports an emergency loan to the credit bureaus, the way you manage the account dictates whether it will help or hurt your credit score. If you make your payments on time, the account may benefit your credit score in the long run. However, if you make late payments or become past due on your debt, that emergency loan could hurt your credit score instead. Many lenders offer fast funding to qualified borrowers. Some personal loan lenders may even deposit the funds into your bank account the same day you’re approved for financing. On the other hand, loan funding can sometimes take several days or even up to a few weeks. Certain lenders may take longer to process your loan application or release your funds than others. There’s also a chance that your personal bank or credit union may hold the funds a lender deposits into your account for a few days before you can access the money. Although some lenders do provide loans without credit checks, they're not recommended. Such lenders (like payday loan lenders) often charge steep origination or application fees and high APRs. Not only are these types of loans very expensive, but you might end up getting stuck in a payday borrowing cycle that’s difficult to escape. Among the lenders on our list, Upstart says it will offer loans to borrowers with credit scores of just 300, as long there are no other adverse entries in the credit report. Other lenders we researched report minimum credit scores of 580 or 560, which are considered 'Fair' and 'Poor', respectively. If your first priority is fast cash, you have several options, although some of them will be expensive, with high interest rates and fees. We researched and reviewed 70 companies to find the best seven lenders you see above on this list. While we write individual reviews for most companies we research, we do not always write reviews for companies we would not recommend. These are the companies we researched, along with links to individual company reviews, to help you learn more before making a decision: Achieve, Affinity Federal Credit Union, Alliant Credit Union, American Express, Avant, Axos Bank, Bankers Healthcare Group, Best Egg, Bethpage Federal Credit Union, Blue Federal Credit Union, Boatloan.com, Boeing Employees' Credit Union, CapexMD, Citibank, Connexus Credit Union, Discover, Dividend Finance, ENT Credit Union, Fig Loans, First Tech Federal Credit Union, Future Family, GoodLeap, Greenstate Credit Union, Happy Money, Hiway Credit Union, Lake Michigan Credit Union, Laurel Road, LendingClub, LendingPoint, LendingUSA, Liberty Federal Credit Union, LightStream, Lyon Financial, Mariner, Money Key, Mountain America Credit Union, NASA Federal Credit Union, Navy Federal Credit Union, Netcredit, Old National Bank, OneMain Financial, OppLoans, Patelco Credit Union, PenFed, Personify Financial, PNC Bank, Prosper, Reach Financial, Regions, Reprise, Rocket Loans, Santander, Service Federal Credit Union, SoFi, Southeast Financial, Summit Credit Union, SunPower, TD Bank, Teachers Federal Credit Union, Trident Funding, Truist, U.S. Bank, Universal Credit, Upgrade, Upstart, USAA, Vantage Recreational Finance, Wells Fargo. To evaluate and rank personal loan providers we collected hundreds of data points across 70 lenders, including traditional banks, credit unions, fintechs, and special interest finance companies. We researched and evaluated APRs, loan amounts and terms, fees, customer experience, and much more. To rank the lenders in our database and to generate star ratings, we weighted the data we collected, based in part on what consumers told us were the most important features of a personal loan and lender in a survey we conducted. We grouped those factors into four broad areas: Investopedia launched in 1999, and has been helping readers find the best bad credit emergency loan companies since 2020. Learn more about how we evaluated personal loans in our complete methodology. Article Sources Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy. Upgrade. "Personal Loans." Upgrade. "What Are the Minimum Borrower Requirements?" Upstart. "What Are the Minimum Credit Requirements to Receive a Loan?" Upstart. "Will I Be Eligible for a Loan?" Upstart. "UPST IPO." CBInsights. "Upstart." LinkedIn. "Upstart." Ent Credit Union. ”About Us.” CBInsights. "OppLoans." OppLoans. "Contact Us." Universal Credit. “Frequently Asked Questions About Universal Credit.” First Tech Federal Credit Union. "Become a Member." Patelco Credit Union. "Personal Loans & Lines of Credit." Patelco Credit Union. "Our Mission." MyFICO. "What's in My FICO Scores?" Experian. "What Is a Good Credit Score?" California Department of Financial Protection and Innovation. “Consumer Financial Education: Other Loans: Payday Loans.” Veridan Credit Union. "What Is a PAL Loan?" National Credit Union Administration. "Permissible Loan Interest Rate Ceiling Extended." The Pew Charitable Trusts. "Auto Title Loans," Page 3. Internal Revenue Service. "Retirement Topics—Plan Loans." Consumer Financial Protection Bureau. "An Essential Guide to Building an Emergency Fund." Consumer Financial Protection Bureau. "What Is a Payday Loan?" Consumer Financial Protection Bureau. "I Hear That Taking out a Payday Loan Can Help Rebuild My Credit or Improve My Credit Score. Is This True?" Case Text. "California Financial Code 21800."Best Emergency Loans for Bad Credit: Compare Options for June 2024
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Company APR Credit Score est. Loan Amount More Details Best Overall See DetailsCheck Rates Best for Low Minimum Credit Requirement See DetailsCheck Rates Best for Fast Funding See DetailsCheck Rates Best With No Credit Check See DetailsCheck Rates Also Good for Secured Loans See DetailsCheck Rates Best With a Co-Signer See DetailsCheck Rates Best Credit Union See DetailsCheck Rates Best Overall :Upgrade
Best for Low Minimum Credit Requirement :Upstart
Best for Fast Funding :Ent Credit Union
Best With No Credit Check :OppLoans
Also Good for Secured Loans :Universal Credit
Best With a Co-Signer :First Tech Federal Credit Union
Best Credit Union :Patelco Credit Union
Compare the Best Emergency Loans for Bad Credit: Compare Options for June 2024
Best For Upgrade Best Overall 8.49% - 35.99% 1.85%–9.99% $10.00 1 day $1,000 - $50,000 84 months Check Rates Upstart Best for Low Minimum Credit Requirement 7.80% - 35.99% 0.00%–12.00% 5% of the late payment amount or $15, whichever is greater 1 days $1,000 - $50,000 60 months Check Rates Ent Credit Union Best for Fast Funding 10.24% - 17.99% 0.00% $15 0 days $1,000 - $100,000 84 months Check Rates OppLoans Best With No Credit Check 160.00% - 179.00% 0.00% $0 0 days $500 - $4,000 18 months Check Rates Universal Credit Also Good for Secured Loans 11.69% - 35.99% 5.25% - 9.99% $10.00 1 day $1,000 - $50,000 60 months Check Rates First Tech Federal Credit Union Best With a Co-Signer 8.94% - 18.00% 0.00% $15.00 - $25.00 0 days $500 - $50,000 84 months Check Rates Patelco Credit Union Best Credit Union 9.30% - 17.90% 0.00% 3% of loan payment or $5, whichever is higher 0 days $300 - $100,000 84 months Check Rates The Bottom Line
What Is an Emergency Loan?
Why Get an Emergency Loan When You Have Bad Credit?
Best Uses for an Emergency Loan
How to Fix Your Bad Credit Score
How to Choose the Best Emergency Loan
How to Apply for an Emergency Loan If You Have Bad Credit
Alternatives to Emergency Loans
How to Build an Emergency Fund
Frequently Asked Questions
How Much Will an Emergency Loan for Bad Credit Cost?
Where Can You Get an Emergency Loan if You Have Bad Credit?
Will an Emergency Loan Impact My Credit Score?
How Fast Can I Get an Emergency Loan?
Can You Get an Emergency Loan With No Credit Check?
What Is the Minimum Credit Score for an Emergency Loan?
How Can I Borrow Money Fast in an Emergency?
Companies We Reviewed
How We Picked the Best Emergency Loans for Bad Credit
Learn More About Emergency Loans
Best Emergency Loans for Bad Credit for June 2024 (2024)
Table of Contents
Best Emergency Loans for Bad Credit: Compare Options for June 2024
Best Overall :Upgrade
Best for Low Minimum Credit Requirement :Upstart
Best for Fast Funding :Ent Credit Union
Best With No Credit Check :OppLoans
Also Good for Secured Loans :Universal Credit
Best With a Co-Signer :First Tech Federal Credit Union
Best Credit Union :Patelco Credit Union
Compare the Best Emergency Loans for Bad Credit: Compare Options for June 2024
The Bottom Line
What Is an Emergency Loan?
Why Get an Emergency Loan When You Have Bad Credit?
Best Uses for an Emergency Loan
How to Fix Your Bad Credit Score
How to Choose the Best Emergency Loan
How to Apply for an Emergency Loan If You Have Bad Credit
Alternatives to Emergency Loans
How to Build an Emergency Fund
Frequently Asked Questions
How Much Will an Emergency Loan for Bad Credit Cost?
Where Can You Get an Emergency Loan if You Have Bad Credit?
Will an Emergency Loan Impact My Credit Score?
How Fast Can I Get an Emergency Loan?
Can You Get an Emergency Loan With No Credit Check?
What Is the Minimum Credit Score for an Emergency Loan?
How Can I Borrow Money Fast in an Emergency?
Companies We Reviewed
How We Picked the Best Emergency Loans for Bad Credit
Learn More About Emergency Loans
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