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Emergency Loans

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Get An Emergency Cash Advance — Even With Bad Credit

If you’re struggling with bad credit, then you’re likely finding it tough to handle urgent financial problems. In these situations, you may have run out of cash and maxed out existing credit only to find that most lenders won’t help.

Improving bad credit, paying off debt, and rebuilding savings can take months or even years. Unfortunately, emergencies like a plumbing issue or a visit to urgent care can’t wait. With Balance Credit, you can apply for a loan in minutes. If approved, you can receive funds as soon as within 24 hours, even with bad credit.**

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Patient receiving hand care in medical emergency

For life's little emergency, count on Balance Credit and consider it done.

How Our Emergency Cash Loans Work

At Balance Credit, we offer emergency cash loans, even to applicants with credit issues. Our knowledgeable customer service representatives are ready to assist you with any questions.

Applying for an emergency cash loan is quick and simple. It only takes a few minutes to apply online and you can usually view your approval immediately. If approved, funds are often transferred to your bank account within 24 hours.** No lender can guarantee approval for every installment loan applicant, but most credit problems won’t automatically disqualify you.

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Benefits of Emergency Cash Loans Online

Balance Credit offers a flexible solution to approve your loan compared to other vendors. Our online emergency cash loans get you money quickly—often within a day.** We offer installment loans that give you time to pay them back, without having to wait.

Many customers use these emergency loans to pay bills, consolidate debt, or cover emergencies. You can use the cash for medical expenses, car repairs, or to bridge the gap between paychecks. With flexible terms and quick access to funds, our loans provide the support you need when you need it most.

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When to Consider an Emergency Cash Loan

Emergency loans can help with unexpected situations. These may include medical bills, car repairs, or urgent home repairs. If you are struggling with an urgent bill, an emergency cash loan can provide quick access to the money you need.

These situations often come with tight deadlines and can’t wait for your next paycheck. An emergency cash loan offers quick access to the funds you need to manage these crises. Helping you avoid late fees, penalties, or further damage.

  • Unexpected medical bills
  • Urgent home repairs
  • Car expenses
  • Other immediate financial needs

Frequently Asked Questions

Yes, you can still apply for an emergency loan with bad credit. At Balance Credit, we understand that financial emergencies can happen to anyone, regardless of credit history. Our goal is to provide an accessible loan option, even for those with less-than-perfect credit.

Applying for an emergency loan with Balance Credit is simple. Our online application only takes a few minutes to complete. You’ll need to provide basic personal and financial information to help us assess your eligibility.*

Many applicants learn their approval status immediately! If approved, you could receive your funds as soon as the next business day.** The entire process is straightforward, ensuring you get the financial help you need.

Emergency and installment loans are similar, but not necessarily the same.

An emergency loan can cover urgent expenses and provide quick access to funds when you need them most. It can be used for medical emergencies, home repairs, or emergency auto repairs.

An installment loan is a type of loan that provides you with a lump sum of money upfront. You will repay the loan over time through a series of fixed, regular payments. These loans are straightforward and predictable, giving you a sense of security about your financial commitments.

Balance Credit treats all emergency loans as installment loans. You repay them in regular increments, making your finances more manageable.

You Can Apply for Emergency Loans Online Immediately

We understand that some expenses cannot wait until your next payday. That’s why we offer online emergency loans to help you get the cash you need for emergencies. By applying for an emergency loan online, you could have your money in the bank as soon as tomorrow.** Let’s get started!

Apply now for an emergency loan from Balance Credit, or contact us if you would like to learn more!


The information contained in this post is for general educational and informational purposes only. It is not an offer of credit, does not fully describe the products that we offer or facilitate, and it is not specific to any individual. These products are an expensive form of credit, and you should ensure that they meet your unique financial needs. We are not a credit repair organization and make no representation that we or any loan will improve or attempt to improve your credit rating. We do not provide financial advice or assistance regarding your credit situation. These educational posts are not a substitute for individualized professional advice. 

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In AK, AR, AZ, FL, IN, KS, KY, LA, MI, MN, MT, OH, OK, and TN loans are provided by Capital Community Bank (or by one of its affiliates or divisions), a Utah Chartered bank, located in Provo, Utah, Member FDIC. All loans funded by Capital Community Bank (or by one of its affiliates or divisions) will be serviced by Balance Credit. Your loan agreement identifies your lender.

SunUp Financial, LLC, NMLS number 1331747.

AL Residents: Loans may be provided by either 1) SunUp Financial, LLC (License No. MC22640), or 2) Capital Community Bank (or by one of its affiliates or divisions), a Utah Chartered bank, located in Provo, Utah, Member FDIC. Your loan agreement identifies your lender.

DE residents: SunUp Financial, LLC is licensed by the Delaware State Bank Commissioner, License No.024137, expiring December 31, 2024.

TX Residents: Balance Credit is not the lender. Loans are provided by unaffiliated third-party lenders. For some loans, Balance Credit acts as both a Credit Services Organization and Credit Access Business when loans are provided by an unaffiliated third-party lender. Balance Credit is licensed by the Texas Office of the Consumer Credit Commissioner, License No. 1700059320-158634. Other loans are provided by Capital Community Bank (or by one of its affiliates or divisions), a Utah Chartered bank, located in Provo, Utah, Member FDIC. Your loan agreement identifies your lender.

* Rates & Terms vary by state. Balance Credit is not a lender in all states. Not all applications are approved.

** APPROVAL: In some cases, the decision may take longer; some customers applying for Balance Credit or third-party products may be required to submit additional documentation to verify application information. FUNDING: Applications processed and approved before 6 PM CT on business days and prior to 4:00 PM CT on Sundays are typically funded the next business day.

Customer testimonials and ratings reflect the individual’s own opinions and are not necessarily representative of all experiences.

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To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

©2024 SunUp Financial, LLC.