Edit Content

Emergency Loans

your ultimate one-stop-shop for emergency loans in UK

LoanTube is a credit broker not a lender. You must be 18 or over and a UK resident.
LoanTube is a credit broker not a lender. You must be 18 or over and a UK resident.
emergency loan

Your loan requirements

Comparing won’t affect your credit score.

LoanTube is a credit broker not a lender. You must be 18 or over and a UK resident. Representative 79.5% APR

Rate-locked offers

Collateral-free loans

100% Transparent

Credit score protection

Know All About Emergency Loans


If you’re like most people, you might find yourself in a financial bind at some point due to an emergency. Whether it’s having to make ends meet because of unemployment or being unable to afford medical bills due to unexpected illness, there are many times when people are forced to seek help from others to make their lives a little easier.

However, it can be difficult and confusing if you’re unfamiliar with what is available in the market. That’s why we’ve built this informative guide for anyone in need of money in an emergency. This article will solve this problem by giving you all the information you need regarding emergency loans!

What are Emergency Loans?

Emergency loans are quick short-term loans that you can get within a couple of hours, and for a few months at the most. They are used to cover unforeseen and unexpected expenses such as car repairs, medical bills, or any other financial emergency you don’t have funds for. Many people use emergency loans to pay off their credit card debt or other debts that they have incurred.

Why do Emergency Loans Have High APRs?

There are a few reasons why emergency loans tend to have high APRs.

First, since these loans are typically for smaller amounts of money, the interest charged on the loan represents a larger percentage of the loan amount.

Second, emergency loans are often unsecured, meaning that the lender has no collateral to fall back on if the borrower defaults. This makes them riskier for lenders, and they tend to charge higher interest rates to offset this risk.

Finally, emergency loans are often needed quickly, so lenders may charge higher fees for faster processing and approval.

Are Emergency Loans Easy to Get?

Emergency loans are usually easy to get because lenders know that people who need them are in a difficult situation and need the money quickly. The application process is usually quick and simple, and you can often get the money you need within a few days or sometimes even hours. However, emergency loans can be more expensive than other types of loans because they are designed for people who need money quickly and may not be able to repay the loan in a timely manner.

Are Emergency Loans Right for You?

There are many reasons why someone might need an emergency loan. Maybe you have unexpected medical bills, or your car needs repairs. Whatever the reason, an emergency loan can help you cover the costs.

But before you take out an emergency loan, it’s important to make sure it’s the right decision for you. Ask yourself if you can afford the loan payments, and if you’ll be able to pay back the loan in a timely manner. It’s also important to shop around and compare interest rates before you decide on a loan.

If you’re not sure an emergency loan is right for you, it’s always a good idea to speak with a financial advisor. They can help you understand your options and make the best decision for your situation.

Are There Emergency Loans With No Credit Check?

No Credit Check Loans is just a marketing gimmick. Emergency loans and other types of personal loan in the UK are given by the lenders after running a credit check on you. Lenders have to ensure you are not a vulnerable customer and that you can afford the monthly repayments, and to ensure it, they always do a credit check. However, our lenders just do a Soft Credit Check for you to compare the loans on our website and to see their offers, and that soft credit check doesn’t have any impact on your credit profile, as it leaves no footprint.

If you have a bad credit history or no credit history at all, you may still be able to get cash fast by taking an emergency loan. An emergency loan is short-term financial support that comes in handy when you are facing unexpected expenses and need fast cash.

To qualify for an emergency loan, all you need is proof of identity and income. You may also need to show proof of your current employment status and your pay slips to prove your income.

Are There Alternatives to Emergency Loans? 

There are several alternatives to emergency loans, including negotiating hardship payment plans with your creditors or asking your employer for a paycheck advance. If these options don’t work for you, then you could possibly get a cash advance from your credit card issuer or an alternative payday loan from a credit union. These loans can be good options if you know how to repay them within one to six months, and the interest rates  are usually lower. 

How much can I borrow In an Emergency?

Calculate monthly payments

What is the purpose of your loan ?
How much do you wish to borrow?
What repayment term would you like to choose ?

Representative Example

Loan Amount


Loan Term

18 Months

Total repayment


Monthly repayment





59.97% p.a (fixed)

*The rate you get will depend on your individual, financial circumstances. Late repayment can cause you serious money problems. For more information, go to moneyhelper.org.uk.

Apply for an Emergency Loan


Tell us how much you need, for how long, and for what purpose.


We find you the loan offers you qualify for from multiple lenders.


Select the loan that best matches your circumstances, and Get Funded.

Why choose LoanTube?

You can’t put a price on happiness, but it doesn’t have to burn a hole in your pocket.

We've partnered with the best in the business

Offers from highly reputed FCA – certified lenders to help with your financial needs
Brand Name : Brand Short Description Type Here.
Brand Name : Brand Short Description Type Here.
Brand Name : Brand Short Description Type Here.
Brand Name : Brand Short Description Type Here.
Brand Name : Brand Short Description Type Here.
Brand Name : Brand Short Description Type Here.
Brand Name : Brand Short Description Type Here.
Brand Name : Brand Short Description Type Here.


What can I use my emergency loan for?
You can use Emergency Loans for almost anything.

Emergency loans are a form of short-term, unsecured personal loans that you can use to cover unexpected costs like car repairs or repairing your roof. They’re ideal for people who find themselves in a bind and need to pay an unexpected bill.

An emergency loan might be right for you if:

* You need money immediately to avoid getting into serious trouble with the law. For example, if you’re facing foreclosure or repossession of your home, then an emergency loan could help prevent disaster.

* You’re running short on funds because of unforeseen expenses like medical bills or unexpected car repairs. If these are to happen and there is no other way for you to pay these bills back on time, then an emergency loan can make sure that they are taken care of so that you can keep up with your daily routines.

* You need money quickly so that your business can stay afloat until new funds become available from the investors involved in your business.
Will an emergency loan impact my credit score?
Emergency loans can have a wide range of effects on your credit score, from good to bad. If a lender doesn’t report your account to the credit bureaus, the loan won’t affect your credit score—unless you default and a collection agency adds the bad debt to your reports later.. However, if a lender does share details about your account with the credit bureaus, then you might see a new credit score.

If you are wondering, banks, online lenders, and credit unions report all your details to the credit bureaus, but payday lenders and title lenders sometimes don’t.
Can I get an emergency loan with bad credit

Yes, you can get an emergency loan with bad credit. However, your options might be limited, and you’ll attract a higher interest rate than usual.

Valued Customers With Valuable Feedback

Feedbacks from our happy users. Become one of them.
-Matt Thiele
Read More
Very helpful customer service and follow up care. Quick and effecient and represent good legitimate companies. Would use them again.
-Elijah Kamara
Read More
I am so pleased, within a few hours my loan was approved, and I received the loan in my account that great.
-Donovan Hay
Read More
This website was very helpful and I really appreciate your time thanks for your support merry Christmas to you all.
-Laura Treimane-Freimane
Read More
Very fast, very nice. Will make sure that you get money. Perfect thanks
-Maria Sousa
Read More
Simple application online. Good value for money.
Pledge of Integrity

Pledge of Integrity

We do not sell your data, unsolicited, with any third party firms. Find your match with LoanTube without risking your data – Apply for home improvement loans with confidence.

Representative APR Example

The rate you are offered will depend on your individual circumstances.

Representative APR Example: On an assumed loan amount of £1,000 over 18 months. Rate of interest 59.97% per annum (fixed). Representative 79.5% APR. Total amount payable £1,554.10 of which £554.10 is interest. 17 equal monthly repayments of £86.09, and the final month’s payment of £90.57.

Some of the offered loans might be classed as High Cost Short Term Loans. APR rate starts from 18.22%. The maximum APR rate is 1721%, but you will get a personalised rate tailored to you. The minimum repayment term is 3 months, the maximum repayment term is 7 years. The minimum loan amount is £250 and the maximum loan amount is £35000.

Warning: Late repayment can cause you serious money problems. For more information, go to moneyhelper.org.uk

Credit subject to status & affordability assessment by Lenders.

LoanTube is a credit broker and not a lender.

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on any debt secured against it.

Not all borrowers will qualify for a loan. The operator of this website does not engage in any direct consumer lending, we simply provide you a FREE loan brokering service. This means LoanTube does not charge customers a fee for using its introducer services, but it receives a commission from lenders or other brokers if a customer enters into a consumer credit agreement with them following an introduction by LoanTube.

By continuing to use our website, you agree to accept our cookies policy