The 2 Best Emergency Loans With Bad Credit Sites Of 2023

MoneyMutual

If you need a loan that ranges anything between $200 and $5,000, then Money Mutual review is the right platform for you. 

Offering quick services makes this platform one of the best you can choose to use, considering that you’ll be able to get your loan in no more than 24 hours.

With over 2 million satisfied users, more than a decade of experience, and high positive feedback, there’s no doubt that all your financial needs will be met. 

MoneyMutual is highly secured, provides quick service free of charge, and has excellent customer service, so let’s take a closer look at all of these things.

Features

Secured platform 

You’ll always be protected if you decide to apply for a loan from a trustworthy platform like MoneyMutual. 

This site is protected thanks to the certified security from TrustedSite, which monitors this website and instantly detects any security issues that may appear. 

Also, MoneyMutual is protected with a 2048-BIT RSA and AES256 bit encryption, so there’s no room to worry about your sensitive info ever being misused.

Eligibility requirements

To be able to apply for an emergency loan from Money Mutual, first, you must meet the requirements this platform has set. So, here’s what those requirements are:

  • You must be a minimum of 18 years of age
  • You must be getting at least $800 monthly income
  • You must be a resident of the USA
  • You must have an active checking account.
Application form

After you’re sure that you’re meeting all of the requirements set by MoneyMutual, you can move on to filling out the application form. 

What you’ll need to do is to enter your personal info and the amount of money that you need. Also, your banking info is a must because that’s where the loan will be sent. 

The lenders will have access to this application, and those who’ll decide that they can lend you that amount of money, will contact you and send you an offer.

You can review the offer and see if it’s what you’re looking for. If it is, simply accept it and expect the loan in the next 24 hours. 

But, if the offer doesn’t suit you, you aren’t forced to accept it. You can always look for another, a more fitting direct lender.

Fees

If you decide to use the MoneyMutual services, you must know that they’re free of charge. But, when you get an offer from a lender, that offer will come with fees. 

MoneyMutual doesn’t have anything to do with this. You must carefully review the offer and decide if those fees are acceptable to you. You can always reject the offer if you think that it’s not the best one for you.

Customer support

You can get the answers to all your questions from MoneyMutual’s amazingly prepared customer service representatives. The ways to reach them are easy, simply send them an email or call them. 

Or, if you want, you can check the “Frequently Asked Questions” section on the website, and maybe you’ll find what you’re looking for there.

Pros

  • Secured website
  • Free services
  • Easy application form
  • Quick funds
  • Customer support

Cons

  • People that are living in New York or Connecticut won’t be able to use MoneyMutual services

BadCreditLoans

BadCreditLoans is the second platform to be reviewed in this article, whose name already says everything. 

It’s easy to conclude that this platform aims to help those with bad credit scores who can’t get a loan from the banks because of that. So, if you’re one of those people who need quick money, this is where you can easily get them.

BadCreditLoans finds the best lender, especially for you, and approves loans from $500 to $1,000 in a very quick way. 

Don’t get disappointed if you can’t find a lender that suits you at the moment. This platform will show you ads for similar services, so you can’t end up empty-handed.

Features

Secured platform

The security levels that BadCreditLoans have implemented in their system are at the highest level, so you’ll be protected at all times. 

This platform uses advanced encryption technology that keeps all of your sensitive info secured. 

Also, the other security measures that this platform has applied include computer safeguards that protect your data, so no one can get access to it or use it. Theislandnow also has great references.

Eligibility requirements

You can apply for an emergency loan from the BadCreditLoans platform only if you meet the platform’s requirements:

  • The required age is to be a minimum of 18 years old
  • Proof of citizenship or a legal residency is needed
  • Proof of a regular income is also a must
  • You need to have a personal checking account
  • You need to provide a phone number and an email address.
Application form

Applying for a loan from BadCreditLoans is a speedy process. The application form is the first thing that you’ll see when opening the website. 

So, start by entering your birth date and your ZIP code. You must also enter the reason why you’re asking for a loan, the amount of money that you need, and your contact details. 

When a lender finds you suitable for him to lend you the money, he’ll reach out to you and send you an offer, which you can accept or refuse. If you refuse it, know that you can continue searching for a better one.

This platform won’t give up on finding you the perfect lender. In cases when you can’t find a good enough offer, you’ll be introduced to ads that’ll show you similar services, so hopefully, you’ll find what you’re looking for in no time.

Fees

Applying for a loan and using this platform’s services won’t cost you anything. If you reject an offer and start the whole process from the beginning, that’s also free of charge. 

The services that this platform offers are absolutely free. The received offer will come with some fees, but they’re only between you and the lender.

Customer support

You can always count on the people in BadCreditLoans to help you find the answers to anything you want to know or to share your experience of their services with them. 

The easiest way to contact customer support representatives is to write to them via the online contact form on the website, but you’re also allowed to call them or send them an email.

Pros

  • Highly secured platform
  • No hidden fees
  • Basic requirements
  • Great customer service

Cons

  • Not so great Better Business Bureau rating