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Emergency Loans

Emergency Loans (2026)

Written by Paul — Head of Lending Research & Content

Need cash urgently? Compare lenders offering same-day emergency loans from FCA-regulated providers.

✓Compare lenders with same-day and instant payouts
✓All lenders FCA-regulated — no unauthorised lenders
✓Free to compare, no obligation to apply

Find your loan

How much do you need urgently?

£1,000
£100£8,000

Showing 7 lenders with same-day or faster payouts.

Compare Lenders

Lenders that meet our standards. One search.

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★ BEST RATE
Drafty
Drafty
Short-term loan⚡ Minutes
Nudge Score
8
Rep APR
79.9%
Loan Range
£50–£3,000
Term
1–3 years
Bad Credit
✓ Accepted
Read our review →Apply now →
Representative example: Borrow £500 over 12 months. Rep APR 79.9%. Monthly repayment £53. Total repayable £636.
Creditspring
Creditspring
Short-term loan⚡ Same day
Nudge Score
8
Rep APR
83.1%
Loan Range
£400–£2,400
Term
6–12 months
Bad Credit
✓ Accepted
Read our review →Apply now →
Representative example: Borrow £500 over 12 months. Rep APR 83.1%. Monthly repayment £55. Total repayable £660.
Cashfloat
Cashfloat
Short-term loan⚡ Same day
Nudge Score
6
Rep APR
611.7%
Loan Range
£300–£1,500
Term
3–9 months
Bad Credit
✓ Accepted
Read our review →Apply now →
Representative example: Borrow £400 over 6 months. Rep APR 611.7%. Monthly repayment £105. Total repayable £630.
Money Platform
Money Platform
Short-term loan⚡ Instant
Nudge Score
6
Rep APR
839.2%
Loan Range
£250–£1,000
Term
3–6 months
Bad Credit
✓ Accepted
Read our review →Apply now →
Representative example: Borrow £300 over 3 months. Rep APR 839.2%. Monthly repayment £145. Total repayable £435.
Lending Stream
Lending Stream
Short-term loan⚡ 90 seconds
Nudge Score
5
Rep APR
1,271%
Loan Range
£50–£1,500
Term
4–6 months
Bad Credit
✓ Accepted
Read our review →Apply now →
Representative example: Borrow £300 over 6 months. Rep APR 1271%. Monthly repayment £107. Total repayable £642.
Moneyboat
Moneyboat
Short-term loan⚡ Same day
Nudge Score
5
Rep APR
1,267%
Loan Range
£200–£1,500
Term
3–6 months
Bad Credit
✓ Accepted
Read our review →Apply now →
Representative example: Borrow £400 over 6 months. Rep APR 1267%. Monthly repayment £143. Total repayable £858.
QuidMarket
QuidMarket
Short-term loan⚡ Same day
Nudge Score
4
Rep APR
1,299%
Loan Range
£300–£1,500
Term
3–12 months
Bad Credit
✓ Accepted
Read our review →Apply now →
Representative example: Borrow £500 over 6 months. Rep APR 1299%. Monthly repayment £182. Total repayable £1,092.

Independent loan comparison. Rates shown are representative; your actual rate depends on circumstances.

What is an emergency loan?

An emergency loan is a fast-access short-term loan designed for urgent, unexpected expenses. Most are available online with instant decisions and same-day payouts.

They differ from standard personal loans in that the application process is completed in minutes. The trade-off is a higher APR reflecting the speed and convenience.

For same-day receipt, apply before approximately 3:30pm on a weekday. Applications submitted later or at weekends typically arrive the next business day.

Car Repair Loans →New Boiler Loans →Vet Bill Loans →Dental Loans →

Need cash today?

Compare same-day emergency lenders. Free, no obligation. Click directly to any lender.

Compare emergency loans →

FAQs

Frequently asked questions

Can I get an emergency loan the same day?
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How much can I borrow for an emergency?
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Do emergency loans require a credit check?
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What is the fastest way to get emergency cash?
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What if I am denied an emergency loan?
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