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Expertly compared by David Beard

Products Updated April 8, 2023

Warning: Late repayment can cause serious money problems. For help go to moneyadviceservice.org.uk.

Read our customer and visitor reviews for this product:

Rating: 4 / 5 with 2 votes


by Jon Delany

Easy to apply and application process. Had cash in the bank on the same day...!!!

Helpful and easy to use

by Pete Taylor

Found this easy to use and simple application process. Rates are high, but as you would expect from a payday lender!

Get Money Now for an Emergency with Lending Expert

If you need money for an emergency, Lending Expert is on-hand to provide you with a list of lenders who can process and fund your loan on the same day or within 1 hour of applying. 

We work with a number of emergency cash lenders who provide an online application and can provide you with an instant decision. If you need to borrow money for an emergency, you can apply for £100 to £2,000 and get the funds you need today. Simply click on ‘Get Started Now’ or use our comparison table to find the lender best suited for your requirements.


Key Features

  • Borrow £100 to £2,000
  • Get funds in 1 hour or same day of applying
  • Repaid over 1 to 12 months
  • Early repayment available
  • Money for emergency expenses
  • Working with direct lenders
  • No guarantors required
  • 100% online application 


When Would I Need Money For an Emergency?

Everyone will find themselves in a position where they will need an emergency loan at some point in their life. From household emergencies to car repairs, we can sometimes find ourselves in a position where we need a few hundred or thousand pounds to pay an expensive bill.

Is your boiler on the brink? Or are you having a plumbing problem? An emergency cash loan can give you a fast injection of cash, usually within 1 hour or on the same day, so you can pay for your emergency and get back on your feet. 

Lending Expert works with trusted and reputable direct lenders, so you can have peace of mind applying with a lender that can help you today. With loan options ranging from 1 to 12 months, you can have the flexibility to repay over several months if you need to – or you repay early if you find that you are in a position to do.


What Types of Emergency Loans Are Available?

  • Emergency loans for car repairs
  • Emergency business loans
  • Emergency home repair loans
  • Emergency travel loans
  • Emergency medical fees


The best types of loans to help pay for pressing or urgent expenses including payday loans, intended to last until your next payday.

You can also consider applying for unsecured loans or personal loans, which can often be processed quicker than a secured loan or something that is secured against your property.


I Need Emergency Cash Loans – What Should I Do?

If you need urgent money now, the first thing to do is to stay calm. Start by thinking about how much much you need and how long for. 

If it is just a few hundred pounds you need, you could consider speaking to a close family member or trusted friend. When borrowing from someone close to you, they can sometimes provide you money straight away and they will trust you to pay back when you are feeling less pressured – and not charge you any interest either.

Consider weighing up the cost of using an overdraft on your direct debit or credit card, since this can be affordable if only used for just a few days or if you have an interest-free option up to a certain amount.

Whilst payday loans and instalment loans may be a more expensive type of emergency loan, they can be fast and effective, especially when paid off early. So whilst it is important to consider your options, Lending Expert is here to provide you with some quick loans for emergencies if you need them.


Emergency Money – Am I Eligible?

The criteria for an emergency loan will vary between our lenders, but will usually include:

  • Being over 18 years of age
  • UK-based permanently
  • Employed (part-time or full-time)
  • Earning a minimum salary per month (around £500)
  • UK bank account
  • Valid UK mobile phone number
  • Valid email address


Will I Need a Guarantor to Be Eligible?

No, you may not necessarily require a guarantor to be eligible (see no guarantor loans) – unless you are looking to borrow a larger amount and need a guarantor to provide more security for your loan.

The best emergency loans are usually unsecured. The loans can be approved much faster since the eligibility is based largely on having a stable income, regular employment and fair credit rating. When compared to applying for a secured loan, the application process can take a few days if they need to verify and value your car or property to be eligible. 


Is There Anything I Can Do To Get Money Faster?

To get fast money for an emergency, you can use our price comparison table and select the lenders that offer same day funds.

Whilst immediate funds are not guaranteed, there are a few things you can do to make the process faster.

Ensure that you have provided the correct information about yourself, including your name, age, address, monthly income and expenses. This will avoid any delays in processing your loan application. Be available by email or phone if the lender has any follow up questions or requires more information such as a payslip or bank statement.

Furthermore, it always helps to apply on a weekday and during working hours. If you apply for emergency cash during the evening, you will likely have to wait the next day for funds. Or if you apply on a Sunday, you may have to wait until Monday for approval.

Having a good credit score will always help you get approved and whilst you cannot improve your credit score in one day, there are some things you can do to make sure that your credit score is as strong as possible. This includes joining the electoral register, clearing any outstanding debts and closing down any store cards or credit cards that you do not use.


Why Use Lending Expert When You Need Emergency Cash?

Lending Expert works with over 50 trusted lenders in the UK who are fully reviewed and vetted before featuring on our tables. By giving our customers lots of options, we are able to cater to all circumstances and credit histories including options for Joint Loan applicants.

With no fees for using our services and no impact to your credit score, we are delighted to have helped tens of thousands of customers today.

To get emergency cash today, simply use the comparison table provided or click on the ‘start now’ button.


Yes. Our partners can issue same day loans assuming they have all the correct application information they need to make a quick lending decision. If you're a returning customer then your application for any further loan advances will be even quicker.

No. All the lenders in our panel will require you to undergo a credit check to check your credit worthiness. However, some payday lenders will accept applicants with some bad credit.

Yes. We have lenders on the panel who will accept applicants with some history of bad credit. Some bad credit short term lenders will accept applicants who have missed payments in the past, have CCJ's or who are discharged bankrupts.

We offer emergency loans ranging from as little as £50 to £2,500. You can borrow significantly more if you borrow against a valuable security such as a car or property that you own.

Yes. The lenders on our panel offer short term loans to those who are self employed, sole traders or company directors. You may need to provide proof of income and this is standard for any type of employment.

No. Applying for an emergency loan will not have a negative impact on your credit score.

Yes. If you meet the affordability criteria for the loan then our lenders will accept your application if you are working part time or casual hours.

Yes, you will typically be required to provide proof of income either as an employee via PAYE or will need to provide documentary evidence if self employed, a company director or sole trader.

Yes. All the lenders on our panel will send your loan funds direct to your bank account via a bank transfer.

Related Links

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No Guarantor Loans

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CCJ Loans

Apply with a lender who specialises in finance for CCJs, IVAs and bankruptcy.