Emergency loans

Emergency loans could help you to cope with that unforeseen bill that just can’t be delayed.

What is an emergency loan?

Unfortunately, bills and expenses aren’t always regular or predictable.

If you find yourself facing an entirely unpredicted expense, your instinct might be to find a way of putting off paying it until you are able to do so from your own cash reserves.

That would be perfectly sensible and responsible. However, there are times when that just might not be possible.

For example, perhaps your car has just broken down and the local garage is asking for immediate payment to fix it. If you rely on your vehicle to get you to work, delaying payment might not be a practical option.

In such a situation and many others like it, you might benefit from being able to get money deposited into your bank account within a few minutes or hours.

Getting money into your account quickly to cope with a crisis is what emergency loans are all about.

Get £100 to £3,000 paid out by 10:42 pm

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(It won't affect your credit score)
Representative 669.35% APR (variable)
View example
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Emergency loans and how they work

How they work

Typically, nothing could be simpler — providing you approach a specialist in emergency loans.

All you’ll typically have to do is:

  • state how much you need and over what period of time you wish to repay it;
  • provide some basic information about yourself; such as confirmation of your place of residence and income status.

An objective of emergency loans is to move quickly. Therefore, you won’t see any bureaucracy or extensive form-filling. You’ll typically get a very rapid answer and if it’s positive, very fast access to funds in your bank account.

Bad credit and variable income loans

There might be no need to be overly concerned about your credit status.

Lenders offering emergency loans in the UK are required to conform to official regulations relating to lending money. They are legally obliged to check that there is a realistic prospect of you being able to repay the loan and that means a credit check will be performed.

However, very large numbers of people have negative marks recorded on their credit history files. There is no stigma associated with that and lenders will have seen it all before.

As a result, there are emergency loans for bad credit cases.

Lenders also typically realise that some people might struggle to show that they have conventional regular income. Perhaps they are self-employed, part-time workers or part retired etc. Providing there is some evidence of income, those situations might not be a problem.

That’s why it might well be possible to find emergency loans for people who are unemployed or on certain benefits.

With emergency loans, direct lenders will make all possible efforts to find a solution to your needs.

Of course, no lender can guarantee unconditionally in advance that they will be able to meet your requirements. All will reserve the right to decline a loan request if they believe that it would not be in the potential borrower’s interests to offer the sums involved.


As a general rule, lenders will not require an in-depth explanation as to why you need the cash.

Furthermore, modern emergency loans can be repaid over a period ranging from a few weeks up to two years. The sums available might normally be around a minimum of £100 up to £3,000.

Of course, the longer you select to repay the loan, the more it will cost you overall.

Get your personalised quote

Apply Now
(It won't affect your credit score)
Representative 669.35% APR (variable)
View example

Why you'll love our emergency loans

Are you looking for an emergency loan online because you want something that is quick and easy to apply for? Then we think you’ll love Instant Lolly.

Flexible borrowing — choose from a large range of short-term and payday loans.

Flexible borrowing

Choose the most suitable loan amount and term for your needs. We provide loans from £100 to £3,000 over 1 to 24 months.

High acceptance — great approval rates for people with good and bad credit.

High acceptance

Fill out one short application form, and we will ensure your details reach all the right lenders for the best chance of approval.

Fast funding — instant decisions and speedy money transfers guaranteed.

Fast funding

Receive a decision in seconds, and get money sent to your bank account as soon as 15 minutes after approval.

Online convenience — access the best UK direct lenders in one place.

Online convenience

Apply securely online 24 hours a day, seven days a week — via mobile, desktop or tablet. Oh, and it's FREE too!

How Instant Lolly can help

Emergency loans might prove invaluable in helping you to cope with a crisis or other urgent need for money.

Instant Lolly can help you secure the funds you need quickly and easily — just as we’ve already done for thousands of people in the same situation.

If you’d like our help, simply follow our quick application process and get a decision in a few minutes — and with no impact on your credit score.

Can I apply?

To apply you must:

  • be at least 18 and a permanent UK resident;
  • receive a regular income, such as a wage, a pension or benefits.

You will also need:

  • a mobile phone and email address;
  • a UK bank account with a debit card.
We respect your privacy and will never use, sell or share your information for marketing purposes.

Got a cash flow crisis? Get up to £3,000 within 15 minutes of approval

(It won't affect your credit score)
Representative 669.35% APR (variable)
Representative Example: £250 borrowed for 30 days. Interest charged is £60.00. Total amount repayable is £310.00. Annual interest rate of 292% (fixed).

Important Information

If you do not make your minimum repayment by the agreed upon due date, you may incur additional charges and penalties. If you are having problems paying, please call your credit provider. For other sources of assistance, visit www.mymoneysteps.org; call the Step Change Debt Charity on 0800 138 1111; or National Debtline on 0808 808 4000; or visit moneyadviceservice.org.uk; or visit your local Citizens Advice Bureau.

Loan approval: All loan offers are subject to lender final approval. Approval/transfer times vary by lender. Not all lenders may be able to transfer funds in 15 minutes. Approvals/transfers may take longer for applications processed outside normal working hours. If your bank does not support faster payments, it may take longer for funds to reach your account.

Credit checks: When assessing your eligibility for a loan, lenders will carry out a soft search; only you can see them on your credit report and they have no impact on your credit rating. If you accept a lender's loan offer, they will perform a hard credit search which will be visible to any company searching your credit report for 12 months.

Instant Lolly does not charge customers a fee for using its services, but it receives a commission from lenders or other brokers following an introduction through this website.