Emergency Loans
Urgent Cash When You Need It Most
Rates from 48.1% APR to 1721% APR. The minimum Loan Term is 3 months. The maximum Loan Term is 36 months.
Representative Example: £1,000 borrowed for 18 months. Repayment of £89.22. The total amount repayable is £1,605.96. Interest amounts to £605.96, at an annual interest rate of 59.97% (fixed). Representative APR: 79.5% (variable)
*Same day payout is subject to lender approval and bank processing times. Not all applicants will receive funds the same day.
Facing an emergency? One simple search compares 30+ FCA-regulated lenders. Urgent cash decisions in seconds, same day payout possible.*
Urgent cash without the stress
| Loan Wallet | Applying Direct | |
|---|---|---|
| Decision time | ✓ Instant | Hours or days |
| Lenders compared | ✓ 30+ in one go | One at a time |
| Application time | ✓ 2 minutes | Lengthy forms |
| Credit score impact | ✓ No impact to check | Multiple hard searches |
| Same day payout | ✓ Possible* | Not guaranteed |
Get emergency cash in three steps
Apply in 2 minutes
Tell us how much you need and share a few details. Fast and simple . even in an emergency.
Get an instant decision
We match your emergency loan needs against 30+ FCA-regulated lenders in seconds.
Receive your funds
If approved, emergency funds can land in your account the same day.*
Why thousands turn to Loan Wallet for emergency loans
Instant emergency decision
When you're facing an emergency, you can't afford to wait. Get a decision in seconds from 30+ lenders.
Same day emergency cash
If approved, funds can reach your account the same day. We understand that emergencies can't wait.*
FCA regulated
We are authorised and regulated by the Financial Conduct Authority (FRN: 1036139). Every lender on our panel is FCA-regulated too.
One search, 30+ lenders
Don't waste time applying to each lender during an emergency. One form compares them all at once.
All credit histories considered
Our lenders consider a range of circumstances. Past credit issues don't automatically disqualify you.
Apply from anywhere
Apply from your phone in under 2 minutes. No paperwork, no branch visits . get emergency cash on the go.
Emergency loans: what you should know
We're a broker, not a lender
Loan Wallet is a credit broker authorised and regulated by the FCA (FRN: 1036139). We match you with lenders from our panel. We don't make lending decisions or set interest rates. Any loan offer comes directly from the lender.
Emergency loans are short-term solutions
Emergency loans are designed to cover unexpected expenses like car repairs, boiler breakdowns, or urgent bills. They are not a long-term financial solution. Always consider whether you can afford repayments first.
Missed payments affect your credit file
If you fail to make repayments on time, your lender will report this to credit reference agencies. This can negatively impact your credit score and make it harder to obtain credit in the future.
Additional charges may apply
Lenders may charge late payment fees or additional interest on missed repayments. Always read your loan agreement carefully before signing.
Free debt advice is available
If you're struggling with debt, free and impartial help is available from MoneyHelper, StepChange, and National Debtline.
Not all applicants are approved
While we compare 30+ lenders, not all applicants will be approved. The APR you're offered may vary based on your credit history and the lender's criteria.