Get An Emergency Cash Loan in 1 Hour

Representative Example: Amount of credit: £500 for 12 months at £79.09 per month. Total amount repayable of £949.08. Interest: £449.08. Interest rate: 140% p.a. fixed*. 278% APR Representative. Rates between 9.9% APR and 1295% APR.

Emergency cash loans can give you access to money immediately to pay for any pressing bills or expenses. Whether it is car repairs, broken boilers, expensive medical or pet bills, there are often times when we need emergency money immediately and cannot wait until our next payday.


Emergency cash can be available within 1 hour if all criteria are met and transferred straight to your bank account if it accepts Faster Payments, helping you pay off your bill and give you some much needed breathing space.


Badger Loans offers an 100% online application, helping you get an instant decision when you apply to borrow £100 to £15,000 and if successful, you can sometimes receive funds immediately to pay off your emergency bills or expenses.

I Need an Emergency Cash Loan – What Do I Do?


Consider how much you need: When you need money for an emergency, take a moment to consider how much you need, whether it is £100, £200 or £500. Depending on the emergency, it may be best to ask a family member or friend to lend you the money so you can quickly get your life back on track.


Consider how long you need to borrow for: Some emergency cash loans can come with high interest rates, so only borrowing for the time you need can be the most cost effective, rather than taking out a loan for very long and pay more interest than you need to. You may find that 3, 6 or 12 months is a good starting point and you always have the option to repay early if you would like to.


Get your details in order – Write down some important details such as your bank account numbers, employment details and monthly income – since you will require this when you apply.


Apply during office hours: If you can apply during working hours such as 9am to 5pm on a weekday, this will maximise your chances of getting funds quickly, rather than applying on a weekend or bank holiday.


Avoid too many applications: Where possible, try to avoid making too many loan applications online, since this will usually be recorded on your credit file and having too many in short space of time can make you seem desperate and unattractive to some lenders. If you can, focus on just a handful of companies or by applying with Badger Loans, you can access a panel of 40 direct lenders in one place, save you time, effort and boosting your chances of approval.

How is an Emergency Loan Different?


Emergency loans are unlike other typical personal or unsecured loans – the application is usually short, the response time is fast and the funds are transferred very quickly. The lenders are on hand to help you process the application as quickly as possible and get the funds you need transferred to your bank account to help pay for your emergency.


Am I Eligible to Get Emergency Cash?


  • Over 18 years of age
  • Full-time UK resident
  • Permanent UK address
  • Stable income and employment
  • Able to afford monthly repayments
  • Valid UK bank account
  • Valid UK mobile and email

What is and What is Not Considered an Emergency?


High cost loans should only be truly used for emergencies purposes and things that cannot wait until your next payday.


Examples of true emergencies are needing money to pay for your broken boiler repairs, fix your heating, plumbing problems or fixing up your car so that you can drive to work or take the kids to school.


You should not be encouraged into taking on credit for non-emergencies such as shopping, holidays or buying new clothes. These type of purchases are better suited to credit cards that charge a low rate of interest or no interest at all if you pay on time.


Our emergency cash loans provided by Badger Loans are designed to help you with a shortfall of cash, so that you can pay for your emergency quickly and pay off your loan as soon as you are back on your feet. Our loan products are not intended to be used for the long term or to resolve ongoing financial troubles.


How Do Repayments Work? 


Customers can apply for emergency loans for a minimum of 3 months, repaid in equal monthly instalments. You can borrow for as long as 60 months or 5 years if you need extra breathing space, but this is often for longer-term purposes and not for emergencies.


Why Apply with Badger Loans for Emergency Money?


If you are looking to borrow money quickly for an emergency, Badger Loans works with a panel of over 40 lenders and can match you with the lender most likely to approve your loan and in the quickest time possible.


We have spent years partnering with some of the most reputable and trusted lenders in the UK and have developed a system to match up customers with lenders based on their eligibility and loan requirements. What this means is that once you’ve been credit checked and credit scored which is done in a fraction of a second by our pingtree system your loan approval by our emergency lenders should result in a same day cash advance subject to all criteria being met.

We do not charge any upfront fees and never will. You will simply be matched with the best direct lender and subject to further checks, you can receive your emergency money within 1 hour or sooner if your bank accepts Faster Payments. We will not pass on your information to any other companies without your permission.

Will I have to be credit checked and scored to get an Emergency Cash Loan?


Since the financial services and consumer credit industry has been regulated by the Financial Conduct Authority it has been compulsory to credit check each and every individual applying for consumer credit or in other words an unsecured personal loan regardless of how much or how long the loan will run for.


Prior to FCA regulation it was possible to be given a loan without being searched or scored but since 2015/6 no longer. You will find companies advertising on the internet for loans without having a credit check but you will find they are either trying to fraudulently relieve you of your money or they are using dubious advertising methods to get you to click on their link or advert. Don’t do it! As stated, everyone bar no one must be credit checked prior to any funds being released.


Credit scoring usually comes as part of the package with a credit check but for the purposes of an emergency loan most lenders won’t pay too much attention to the results of a credit score when dealing with customers who may have had problems with credit prior to applying. What that means is that while your credit score is important and it’s always a good idea to try and keep it as high as possible, it doesn’t matter so much when applying for an emergency loan online.


What generally tends to happen these days and does happen here at Badger Loans is that in order to access an emergency online loan you will be what’s called ‘soft searched’ first once you have submitted your initial application via ourselves. This is an initial credit search against your name which does not appear on your credit file. It will be a fairly basic search which will give the prospective lender a general idea about your finances and the way you have conducted any previous loans or credit arrangements. 


Once you have been approved for a short term loan by one of our lending panel the lender in question will then perform a hard search against your name and addresses which will appear on your credit file. This is an indicator to other lenders that you are looking for credit so it is important not to apply too many times in quick succession as it will have the effect of making you look like you’re trying to get finance everywhere and not succeeding and that’s a red light for lenders.


To get started, simply click on the ‘apply now’ button provided.

Personal Loans

✔︎ Personal Loans / Instalment Loans
✔︎ Good or bad credit
✔︎ With or without guarantor
✔︎ Amount between £5,000-£15,000
✔︎ Term from 12 months to 5 years

Legal Information – Representative Example: £15,000 borrowed for 24 months. Total amount repayable is £15,939.20 in 24 monthly instalments of £664.13. Interest charged is £939.20. Interest rate 5.9% pa (variable), min 3.1% APR, max 1326% APR, min and max term: 12-60 months.

Payday Loans

✔︎ Payday Loans / Short Term Loans
✔︎ Good or Bad Credit
✔︎ With or without guarantor
✔︎ Amount £100-£5,000
✔︎ Term from 1-36 months

Legal Information – Representative Example: Amount of credit: £500 for 12 months at £79.09 per month. Total amount repayable of £949.08. Interest: £449.08. Interest rate: 140% p.a. fixed*. 278% APR Representative. Rates between 9.9% APR and 1295% APR.

Get an Emergency Cash Loan Today

Representative Example: Amount of credit: £500 for 12 months at £79.09 per month. Total amount repayable of £949.08. Interest: £449.08. Interest rate: 140% p.a. fixed*. 278% APR Representative. Rates between 9.9% APR and 1295% APR.


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