Get Emergency Cash Loans Today with Capital Bean

Wherever you live in the USA we can help you get an emergency cash loan now. Use our online form today and get your Apply now and get get your money within 24 hours or the next business day.

Representative Example: On an assumed loan amount of $500 over 3 months. Representative 400% APR. Total repayment amount $864.87. 3 monthly payments of $288.29.

What Are Emergency Cash Loans?

Emergency cash loans are short-term loans for those needing to access cash urgently. This may be unexpected home repairs, car breakdowns or unanticipated medical emergencies, amongst other things. Emergency loans can be approved quickly so urgent costs can be covered as soon as possible.

Many emergency cash loans are available, most of which operate on a short-term basis with high-interest rates and fees.

Most emergency cash loans can provide funds directly to the borrower’s account within just a few business days of being approved; some services can provide funds within 24 hours of approving the loan application.

Steps To Quickly Apply For An Emergency Loan

Step 1 
Apply Online

Use our 100% free online form to apply in less than 5 minutes.

Step 2 
Instant Decision

You will receive an instant decision on screen from one of our lending partners who will offer the best rates.

Step 3
Receive Money

You have already provided your bank account details so within 1 hour, the same day or the next business day you will get your funds.

What Can Emergency Cash Loans Be Used For?

Emergency cash loans are flexible loans that can be used for many things. Our borrowers typically need the money quickly to fix a range of emergencies. They are typically unexpected expenses and need to be solved quickly. Common uses of emergency cash loans are unexpected costs such as unanticipated medical bills, funeral expenses should someone die, or home or car repairs.

However, there are other reasons why you might need an emergency cash loan. Many users use this type of loan for ongoing bills that they may not otherwise be able to cover. This might be expenses such as rent and mortgage payments to prevent late or defaulted payments. Or it could pay a utility bill to stop your utilities companies, such as power, gas or phone companies, from cutting off your services. It could even be for tuition payments to ensure that payment obligations are met on time.

In some cases, emergency cash loans cover large costs such as weddings or vacations. Some emergency cash loan lenders restrict what borrowers may use the loan for. This is why it is important to carefully read the terms and conditions of any loan.

What Types Of Emergency Cash Loans Are There?

There are many different types of emergency cash loans available. These include the following:

Payday loans

Many payday lenders offer emergency cash loans with short-term loan terms (usually around two weeks). The contract typically states that the borrower will need to repay the loan in full on their next payday. However, in addition to paying back the total principal amount, borrowers will also need to pay interest at this time. Payday loans are notorious for their sky-high interest rates (commonly up to 400% APR). Consequently, payday loans may cause more harm than good if you are in a financial bind.

Personal loans

Personal loans are a type of unsecured loans meaning that you do not need to put up any collateral. For that reason, the amount you can borrow is typically less than with secured loans. The majority of personal loans operate with a monthly repayment scheme which will be determined, along with the length of the loan term, by the lender and borrower before the loan is approved.

Home equity loans

Homeowners can use a home equity loan or home equity line of credit, a type of secure loan that uses your house as collateral. Due to the low risk for the lender, loan terms are typically agreeable, including fairer interest rates and a longer repayment period. However, if you default the loan, the lender could repossess your home.

Credit card cash advances

Those who have a credit card and need fast access to funds may be able to take out a cash advance. They can usually do this at a bank, credit union or ATM, providing them with instantaneous funds.

However, cash advances usually incur an expensive upfront fee and high-interest rates. Additionally, if your cash advances cause a surge in your credit utilization rate, it can negatively impact your credit score.

Title loans

Title loans are a type of secure emergency cash loan enabling borrowers to use their vehicle as collateral.

With title loans, the lender will hold on to your car title and lend you a certain amount. In the meantime, you are still able to use your car. However, if you default on any loan payments, the lender could repossess your car.

Although they provide quick access to funds, they also incur high-interest rates and the risk of potentially losing your vehicle should you default on payments.

How Can I Borrow Money For An Emergency?

When you need money for an emergency, you’ll need it fast. The best loans for an emergency could be a credit card advance, payday loan, unsecured personal loan or even a loan from a pawn shop.

Before applying for an emergency cash loan, you should decide what type of loan you are looking for. This will depend on your credit score and personal financial situation. For example, you may be limited to specific lenders if you have a poor credit score.

You should also consider the different interest rates and fees for the different types of emergency cash loans.

When applying, make sure to have key documents available, including identification, social security number, and proof of employment or income. It is also advisable to compare lenders before applying; prequalifying enables you to compare rates.

Many online lenders are offering quick applications for fast cash loans. Usually, you can apply online, from the comfort of your home or on the go, and complete the application in a matter of minutes.

Usually, decisions can be made instantly or within hours and, if approved, you can receive funds directly into your checking account within the next business day.


Where Can I Get An Urgent Loan?

If you are serious about taking out an emergency cash loan, there are a few different key providers:

Online lenders

The products offered by online lenders will vary between providers; some will only offer personal loans but others have options for shorter-term loans such as emergency cash loans. Different lenders will have different eligibility criteria which you should always check before applying.

Online lenders tend to only run hard credit checks after a loan has been approved and accepted. This means that unlike other loan providers, exploring options with an online lender is unlikely to impact credit score.

Additionally, online lenders tend to be able to process the loan quicker than traditional lenders making them a better option for those in need of quick funds. However, as a result of this, they will usually come with higher interest rates.


Depending on your credit rating, you may be able to receive emergency funds from your bank. In general, banks tend to minimise their risk meaning that they will only approve your loan if you have an exemplary credit rating. Additionally, banks may take longer to approve the funds (sometimes days or even weeks).

Credit unions

If you are a member of a credit union, you can usually get a loan with favourable terms, even if you have a less-than-perfect credit score. However, the amount that you are able to borrow is usually smaller than other loan providers.

How Can I Get Emergency Cash Without Taking Out A Loan?

Different options are available for those looking for fast cash but worried about taking out a loan. These alternatives are typically cheaper than taking out a high-cost emergency cash loan.

Borrow from friends and family – borrowing money from friends and family can save you on high-interest rates. If you choose this option, make sure that you agree on a repayment plan and that all parties know exactly how much is being borrowed and when it will be repaid.

Cash app – many cash advance apps are available and allow you to advance a small amount of your paycheck before payday.

Nonprofits, charities, and religious organizations – do your research to see if any local organizations can help you gain access to fast cash before entering a high-cost loan agreement. They may also be able to offer you advice.

Pawnshop loan – use something you own as collateral to secure a pawnshop loan.

FAQs For Emergency Cash Loans

What’s The Maximum I Can Borrow In An Emergency?

Emergency cash loans range from $100 to $35,000.

If I Have Bad Credit Can I Still Get A Loan In An Emergency?

Absolutely, yes. Capital Bean works with a wide range of people with different credit histories. This also includes those that have a bad credit history or score.

When Do I Need To Pay Back An Emergency Loan?

At Capital Bean you can borrow to be repaid over a maximum period of 5 years. Some of our shortest loans are repaid in 2 weeks depending on the amount.

Is Capital Bean A Lender?

Capital Bean is a broker, meaning we will not pay you the funds directly but instead work with our panel of lenders. We work in all states where payday loans are legal and can help get you the best possible rate in the US. We will pass your details on to the lender best suited to your circumstances. This means the best interest rates and the best repayment terms.

How Much Does It Cost To Submit An Application?

It is 100% to submit an emergency cash loan request via Capital Bean’s online application service.

How Fast Can I Get My Urgent Money?

If you’re approved, you could have the funds in as little as an hour. So if you’re looking to get money through on the same day then Capital Bean could be the right partner for you.