Emergency Cash Loans

Our Lenders

We work with trusted brokers to give you access to a panel of leading lenders well placed to meet your needs at the lowest rates.

Emergency cash loans can help you borrow up to £2,000 towards any unexpected emergencies, pressing bills or debts that you need to get paid quickly. Proper Finance works with a number of unsecured lenders who can provide funds within 1 hour of approval – allowing you to receive funds in one lump sum and pay off your emergency. Plus, the added peace of mind that you can repay your loan off in 3,6 or 12 months to give you much needed breathing space.

Simply click on apply now below where you will be asked to fill in a few details. You will receive an instant decision on the screen with a loan offer from one of our partners and if successful, you can receive funds on the same day.

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How do emergency cash loans work from Proper Finance?

Emergency cash loans operate in the same way as do cash advances; if you are in need of an instantaneous or same-day cash loan, all you need to do is consult the offerings by our featured lenders and submit an application to the one whose terms you feel suits you best. Once your loan is approved, you can expect to receive your emergency loan in as little time as one hour.

Alternatively, contact us and we will help you to find the most appropriate lender for your situation.

A cash advance is a type of unsecured loans product, meaning that the amount you borrow does not need to be secured against an asset of yours such as your house or your car. If you do default on your repayments, however, your credit score is likely to be negatively affected, making future financial services less accessible to you. Failing to make your repayments generally results in added costs; missed payment fees and late interest fees may be applied to your debt.

How much can I borrow from an emergency cash loan?

Emergency cash loan amounts differ between lenders, but typically, short-term loans of this kind range from £100-£2000, with repayment terms between 1 and 6 months.

Can I get an emergency cash loan with bad credit?

Yes you can still get an emergency cash loan despite having bad credit. With emergency loans, most lenders won’t focus too much on your credit score. Applicants with bad credit are often accepted for this type of loan. Lenders will still process a credit check before they lend you the money however, they are most interested in your ability to pay back the emergency cash loan today.

If you have a perceived poor credit history such as missing the odd payment a few years ago this may not matter. Your income today, whether you’re in stable employment and proof that you are able to service your existing monthly bills with an applied margin of safety will be most crucial. Higher rates will likely be charged however to account for the added risk of a lower credit score.

What are emergency cash loans used for?

Emergency loans should be used for true emergencies purposes. Often these are expenses that need to be paid in the very near future and you cannot afford to wait until your next payday to process the expense.

Car repairs
Household repairs
Funerals
Plumbing problems
Medical bills
Dental visits
Pet bills
Emergency travel
Emergency business loan repayment

Emergency loans should not be used for any non emergency purposes as the interest rates are often very high. For non-emergencies such as shopping or holidays alternate credit you should seek alternate funding options.

I need an emergency cash loan now – how fast can I receive this?

For emergency cash loans, the application process is often a short one and a decision is made rapidly. Decisions are often made by the lender upon receiving the application within an hour. The funds are then almost instantly transferred. Usually you can expect to see funds in you account within 1-2 days of approval. Some lenders may even release funds the same day.

How to apply with Proper Finance

Before you apply for an emergency cash loan, be aware that the following information will be needed for the lender to assess your suitability:

Your basic personal information (name, address, etc);
Proof of employment;
Details about your financial incomings and outgoings;
Your bank details (to be stored securely and confidentially).

The main benefits of using our website include:

No upfront fees
We will not pass on your details to third parties without your permission
Our site is on a secured server (https) to protect your details
Compare rates from several competitive lenders
Choose from over 50 different unsecured loan products

The criteria for applying

Whilst the criteria may vary between lenders, the eligibility factors include:

Must be a UK Resident;
Must be over 18 years of age;
Must have a working debit account, email address & phone number;
Must be employed, earning at least £500 per month and able to afford monthly repayments;
Must have no history of bankruptcy, CCJs or IVAs.

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Receive funds today, borrow £100 to £2,000 to pay for your emergency

Our Lenders