Where Can I Borrow Money Immediately?

To borrow money immediately, the most popular options are personal loans, cash advances online, payday loans, pawn shop loans, and banks or credit unions. Avoid quick loans with no credit checks, as some lenders target borrowers with bad credit to exploit their need instead of giving them an affordable way to borrow money.

Any situation that requires fast cash can be pretty stressful. And while there are plenty of options for getting the money that you need, it is wise to do plenty of research beforehand. The most affordable and favorable instant loans are typically reserved for borrowers with excellent credit. But don’t fret, having a low credit score and an empty bank account doesn’t mean there aren’t still online lenders that can help you.

Below are some of the best options for getting the money you need, even with a low credit score!

What Is a Quick Loan?

A quick loan is a lending option that usually makes funds available within a few days, sometimes even as soon as 24 hours. Those facing unexpected emergencies like car repairs, home repairs, and medical bills, are likely considering quick loans.

CreditNinja has been helping borrowers access and learn about quick loan options since 2018. We are transparent about these products, including potential downsides. We also help consumers understand the basics of financial literacy, especially in the loan space. We often cover topics like loan approval, credit history, credit score, and the different funding options that are out there for good and bad credit borrowers. 

Possible Uses for Instant Online Loans 

Here are some common uses for instant online loans: 

Debt Consolidation	Home Renovation	Car Repairs
Paying off credit cards, past-due bills, monthly utilities, and other expenses to get your budget on track or improve credit.	Paying off credit cards, past-due bills, monthly utilities, and other expenses to get your budget on track or improve credit.	New tires, oil changes, brake work, battery replacement, catalytic converter issues, ignition coil replacement, fuel cap replacement, radiator replacement, etc.
Medical Expenses	Emergency Travel	Other Emergency Expenses
Hospital visits, doctor visits and co-pays, prescriptions, glasses/eye care, dental work, etc.	Last-minute plane trips or travel expenses when you need to get somewhere now.	Bills, surprise expenses, and just about anything else life can throw at you, CreditNinja has you covered!

Fast Cash Options

There isn’t just one kind of fast cash option out there, which can be helpful, as finances and needs can vary from one person to another. Here are some fast cash options you should know about: 

Personal Installment Loan

Personal installment loans or simply, personal loans, are lending options that can be used for almost any expense—they also come with various terms and loan amounts. 

Something to consider is some lenders may be very strict about loan approval; if you don’t have the best credit report, it may be challenging to get approval. On the other hand, several lenders work with poor credit, such as CreditNinja. Regardless of where you decide to get your personal loan from, CreditNinja recommends these options over payday loans. 

Credit Card Cash Advance 

Credit card cash advances allow users to borrow from an existing credit card in the form of cash. These options can be convenient if you need cash sooner than 24 hours; if you already have a credit card you can use, you just have to head to an ATM. 

CreditNinja wants you to consider that, usually, your credit card cash advance limit is much lower than your credit card limit, and you’ll pay interest on the transaction—usually higher than the rate for credit transactions which begins to accrue immediately. If you need cash quickly consider alternatives like same-day personal loans or borrowing from friends or family.

Payday Loans

Payday loans are short-term fast cash options that many borrowers with poor credit turn to when they need a few hundred dollars. While there are lenders that offer “instant approval”, this will likely be coupled with extra costs and short repayment. 

Payday loans may seem convenient and potentially the only option if you don’t have great credit history or credit score. CreditNinja wants you to know that there are alternatives that can make repayment much easier. These loans are notorious for leading to a cycle of debt, and that is one reason why we don’t offer them. However, our personal loans are alternatives that can be just as quick and flexible, with more manageable repayment.  

Credit Union Loan 

This is a loan that is offered by a credit union (a not-for-profit depository institution). Members may be able to get a good deal, however, like banks, loan approval can be tough—and of course, you have to be a member to qualify. Not to mention that credit unions may be a little less tech-savvy when compared to online lenders and even most banks, so potentially not the best option for quick cash loans. 

How To Get A Quick Emergency Loan 

Getting a quick emergency loan involves a few steps, and you’ll need some personal information about yourself and your finances. In most cases, emergency loan applications take a few minutes, as they are meant to be fast. Here are the typical steps to getting an emergency loan:

1. Gather Your Basic Information — Most lenders are going to need a government-issued photo ID and bank account numbers along with basic info like your name and address. Get your documents together before you apply to make the approval process go even faster.

2. Research Lenders and Loan Types — Check out a few lenders online and see what kind of products they offer. You may also want to look at some customer reviews to see what kind of experience other people had with various lenders when borrowing money.

3. Submit an Application — Once you find a lender that’s a good fit, fill out an application. Once approved, review your rates and terms and ask your lender to clarify anything that doesn’t make sense.

4. Sign Your Contract and Get Paid — After carefully reading over your contract, sign it and receive your money! Most lenders allow borrowers to opt for direct deposit, which allows lenders to transfer funds quicker so borrowers receive their cash as soon as possible.

CreditNinja does offer emergency loan options for borrowers who don’t have a great credit score, our loans work well as a payday loan alternative. Everything can be done online, in just a few steps! 

Quick Loans For Bad Credit

While some loans like mortgages require good credit, quick cash loans can be more flexible. Those with poor credit can still get loans, depending on the lender and their requirements. Instead of focusing on credit score and credit history, lenders look at income and ability to repay to determine eligibility for loan funding. 

However, because of the risk that these lenders are taking with credit approval, they will have higher interest rates. 

CreditNinja specializes in bad credit loan options that can be a better alternative to some shorter fast cash loans. You’ll have more time to repay and can do so while managing both your short-term and long-term budget. 

Why Choose CreditNinja for Your Quick Online Loan

CreditNinja has been helping bad credit borrowers get access to fast and manageable funding since 2018. Customers prefer our personal loans over other fast cash options like payday loans because our loans offer longer repayment, flexibility, ease, and excellent customer service.

Here are some benefits to look forward to:

Easy To Apply	Same Day Funding	Low Credit Support
You can apply for our loans online in just a few simple steps.	Once you receive loan approval, you could have the personal loan funds as soon as the same day.*	Even with a low credit score, you could get the funding you need with an unsecured personal loan. There is no minimum credit score requirement.
Direct Deposit	Find out if you qualify Fast	Get your money quickly
Approved loan funding can be sent straight to your checking account via direct deposit.	Once you fill out a loan application, we’ll let you know about approval quickly!	We offer same-day funding—perfect for those emergency expenses.

How Do CreditNinja Loans Work?

The process with CreditNinja is extremely fast and easy. You can apply online by simply answering a few questions about yourself and your income. If approved, once you sign for your loan, your money may be directly deposited on the same day.* Here are some qualities of our loans you should know about:

Apply online fast & easy	Income Verification	Same-Day Availability
You can apply online with just a few simple steps and in just a few minutes.	We’ll verify your income to ensure that you can repay your personal loan. We’ll focus more on this than credit history, credit score, or your credit report.	Once approved, funds can be made available on the same day.*

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What CreditNinja Loan Customers Are Saying

Here are some reviews from real customers who have benefited from using our loans when they needed to borrow money immediately: 

The whole process was so quick and easy. Fast decision and the funds were deposited first thing in the morning. – Rosalinda Mariano

Very quick and easy to apply second time getting a loan with them and both times have been an easy process thank you! – Marlene Perez

This was a very easy process filled out all required information and had my loan in no time. Very fast and easy process. – Sherrie Hobgood

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FAQs

Still have Questions? Contact CreditNinja Today

At CreditNinja, our loans are designed to help with life’s essentials—like unexpected expenses, bills, or emergency repairs, just a few of the reasons that people reach out to us. If you need to borrow money immediately, we can help! Get in touch with us by calling 855-646-5201.