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Emergency loans – can I get one?

When faced with a sudden emergency that requires you to borrow money, it can be difficult to think of a quick and affordable solution. To address this and help people in an emergency, cash loans are now offered with favourable terms and easy payment options. Furthermore, to give more people access to these loans, lenders now strive to offer emergency loans to people who would traditionally struggle to get approved for a loan. This includes people with not so great credit scores, those not wanting a guarantor and people who may have been declined elsewhere. To further increase your chances of being approved, we have created an extensive and diverse panel of direct money lenders currently operating in the UK. As such, we are very confident that we can help you get an emergency cash loan, no matter your needs. This is reflected by our 92% acceptance rate.

Why Choose Xav Loans?

Adaptable loans from friendly people

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Over 3-24 months
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Borrow up to £2,500
No fees
No initial credit check**
No paperwork
Cash in 10 minutes*
All credit histories considered
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Not sure if you’ll be accepted? Try our Eligibility Check

Are emergency loans only available in an emergency?

Emergency loans are so called because they are designed to help you get money fast when you really need it. As such, if you need emergency money now, these short-term loans could be perfect for you.

Understanding that what is an emergency to you, will be something to different to another person, these loans are characterised by their ability to get you the money you need as quick as possible, not whether it is a particular type of emergency. Therefore, whether it’s an urgent car repair or an unexpected utility bill, all of the direct lenders in our partner’s database will do everything they can to get you the emergency money you need as swiftly and simply as possible.

Emergency loans – How much can I borrow?

In the past, so-called emergency loans were often only available for small amounts of money. This was because these small loans were usually required to be repaid quickly. As such, if your emergency was small, then you were ok. However, if your emergency was a bit more expensive, you were often unable to borrow the amount you needed.

Modern emergency loans are thankfully different. You are now able to borrow amounts ranging from one hundred pounds up to two thousand five hundred pounds. Therefore, the time you now have to repay your loan has also been increased. This means you can take out an emergency loan and repay it back in much smaller, more affordable bite-sized amounts over a longer period of time.

Getting a loan with Xav Loans

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Instant decision
Cash paid in 10 minutes*
Flexible repayment terms

Can I get an emergency loan with bad credit?

When you need money in an emergency, it is easy to become stressed. This can be made worse if you have a less than perfect credit score. Thankfully, if you are looking for an emergency loan but have bad credit, we can still help you. As all of the lenders on the panel are authorised and regulated by the FCA, you will not be offered emergency loans with no credit check. However, with all of these lenders specialising in providing loans to people with poor credit, you still stand an excellent opportunity of being approved.

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