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$100 - $5000 Emergency Loans For Your Urgent Cash Needs

We think you'll agree if we say that it can be an extremely stressful when you need cash quickly, especially if you don't have savings or access to credit cards.

At ElcLoans our matching service helps users find emergency loan for short and medium-term repayment, and the process can be completed entirely online!

This page further explains when you might need such loans, how they work and how you can easily apply for one.

Flexible Amounts Up to $5,000 Over 2 Years

We understand that everyone's emergency is different, that's why the lenders in our network offer flexible loan packages that suit your individual situation.

You could borrow between $100 and $5,000, for anywhere from 2 weeks to 2 years.

Emergency loans at

Simply choose what you need when using our easy loan request form and if matched and approved by a lender, you will be informed of the repayment schedule and how much interest you'll be charged before signing the contract.

What's more, all loans are unsecured — meaning you don't have to pledge anything valuable as collateral.

To top it off, if you apply during working hours you could see the cash in your account in as soon as one business day, allowing those in a dire situation to finally breathe a sigh of relief!

Easy Eligibility

The last thing you want during an emergency are over the top eligibility requirements. Fortunately, all our lenders ask is that you are a legal resident of the United States, who is over the age of 18.

You must also have some source of stable and verifiable income (job or benefits).

Other than that, anyone is free to apply with a lender.

Personal Loans for All Situations

Our fast and simple service is ideal for those that do not have access to emergency savings, credit cards or other funding sources.

The loans you will find are just like standard personal loans from the bank or other large lenders, and are therefore suitable for almost any purpose.

For example, loans for unemployed people might be used for rent and to generally tide you over when you're between jobs or have been forced in to unemployment due to sickness or injury. You will still usually be required to have some form of income, be that from income protection insurance, disability payments or another verifiable source. However the usual barriers to credit that the unemployed face do not apply.

Loans for students are also common, especially for those who are living away from home and have spent that term's funds. Perhaps you are struggling with the month's living budget or desperately need books and supplies, but can't turn to your parents and have no other options. Students with income are also entitled to loans just like anyone else.

Other common reasons why you might need a quick online loan might include everything from home or vehicle repairs to funding emergency travel.

Note: Some lenders may ask you to choose a general reason for why you are applying for a loan, but they do not enforce any restrictions on how it is spent once you receive the funds.

Emergency Personal Loans for Bad Credit

Warning: Those with a poor credit rating who have been rejected by banks and other lenders often fall in to the trap of searching for "no credit check" loans, which are usually advertised online. These are not genuine, as no reputable lender can extend you credit without properly assessing your circumstances.

The Good News:

Having bad credit is not an automatic barrier to applying for a loan through our system. Our direct lenders believe that even those who have struggled in the past deserve access to funds in an emergency and will therefore fairly assess all applications that meet the basic requirements above.

So, if you are matched they will perform some kind of credit check, even if it isn't via one of the major credit bureaus. However they take in to account many factors (such as your income status and other info you provided in the application) when making their decision.

You're almost ready…

How to Get Started

Getting started is easy, just head over to our loan request form, choose how much you wish to borrow and enter the required contact and personal details.

Note: We are not a lender ourselves - rather we help you get access to emergency loans from direct lenders in our network.

By providing your details via our simple web form, you do not have to waste time contacting each lender one by one. The streamlined process ensures you get cash as fast as possible in an emergency. What's more, our service is completely free of charge!

If we are able to match you with a lender, you will be directed to their page where they may ask you to provide a few more bits of information before processing the application.

If you are approved by the lender and they make you an offer, you are free to read the terms and conditions prior to signing the agreement and can walk away with no obligation if you change your mind.