Loans for
Your Urgent Expenses Now

An emergency means you need money now. Get matched with lenders who fund loans fast.

Always free and will not impact your credit score.

What Can You Use an Emergency Loan For?

When emergencies happen, you may not have available credit or savings to meet a crisis head-on. That’s where emergency loans come in. Use an emergency loan for just about any unexpected expense, including:


Unexpected home repair

Use an emergency loan to pay for crucial home repairs that can’t wait like a leaking roof or a burst water pipe.


Urgent medical expenses

Get money fast to pay for medical expenses not covered by insurance.


Car repair

Car repairs can cost thousands of dollars, and an emergency loan can get you back on the road fast.


Sudden job loss

An emergency loan can help you get by until you find another job or your unemployment check arrives.


Unplanned legal fees

Post bond, pay a fine, or pay an attorney’s retainer fee.


Avoid wage garnishment or bank account seizure

Pay debts right away to avoid wage garnishment or bank account seizure for IRS, collections, and other debt collectors.

Why Use a Personal Loan for an Emergency?

There are some benefits about using an emergency loan, including:

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Higher amounts
You may be able to get a higher amount from a personal loan than you have available in savings or on a credit card.
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Better APRs
If your credit card is high, you may qualify for a personal loan at a lower rate.
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Keep your savings in the bank
You can hold on to your savings and 401(k) accounts by getting a personal loan instead.
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Get money faster
Borrowing from friends or family or starting a fundraiser for your emergency could take more time than you have in a real crisis. Some personal loans can be funded in a day.
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Predictable payoff
Personal loans are installment loans, which means you have the same payment amount every month and a set date for payoff.
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Share a few details about your financial situation and get emergency loan solutions for your immediate needs.

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We use your unique situation to identify the top lenders that offers the best solutions for you. Choose the one you like best, and you’re on your way to an emergency loan.

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We have compassionate and understanding loan experts standing by to answer questions and walk you though the process if needed.

Emergency Loan FAQs

Get answers to your most pressing emergency loan questions.

Can I get an emergency loan without a job?

It can be difficult to get a personal emergency loan without a job, but if you’ll be receiving unemployment payments, you may still be able to qualify. AmONE can help determine which type of loan you might be able to qualify for.

What credit score do you need for an emergency loan?

Credit score requirements vary depending on the lender. Some lenders will fund loans with fair credit, but the higher your credit score is, the better your options will be. You should still apply, though, because you may be surprised to find that your credit score isn’t as bad as you think it is.

How fast can I get an emergency loan?

If you are proactive and able to confirm your financial information with the lender right away and provide backup documentation, you could have funding as soon as the next day after you apply.

Is an emergency loan worth it?

If you are experiencing a financial crisis and have the means to make payments on the loan, an emergency loan could be worth it to ensure you have quick funding for your unexpected expense.