A Helpful Look At Some of the Best Loan Companies

Finding a loan can be tough - especially when so many companies claim to work magic but fail to deliver.

Anybody could be in a position where they need a loan - but if you have a poor credit history or you don’t have a bank account, it’ll be a lot more difficult finding a loan that’ll accept your application.

The vast majority of lenders require you to have a bank account - it’s one of the main and most widely used terms. However, missed payments can lead to you getting managed out of your bank, which intensifies any financial stress.

Any lenders that will accept you with no bank account will likely offer loans with extortionate interest rates, which can be off-putting.

Nobody wants to take out a loan and have to pay interest rates and other fees - but sometimes, unexpected expenses can leave us with no other option.

Emergencies such as house repairs, dental work, and medical bills can be super stressful, and figuring out how you’re going to pay for it can pile on to the stress.

Thankfully, there are ways you can get money quickly (without breaking the law!). Various loans are widely available for every situation, and you can even qualify for one if you have a poor credit score.

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Lending Club


  • Can borrow huge amounts of up to $40,000
  • With some plans, you have up to 60 months to repay the loan
  • Credit score won’t be affected by applying
  • Convenient loan calculator


  • Interest rates start a little higher than other loan companies

Interest rates for a Lending Club loan start at 6.95% - which makes sense seeing as they accept people with low credit scores. There are plenty of loans available with different terms and rates, so you’re sure to find an appropriate loan to match your financial requirements.

It won’t impact your credit score to apply either - which is refreshing as many loan companies will report back to the credit bureaus and your score will drop with every rejection. It’s quick and easy to reply - and the verification process is also quick. There’s even a chance you could get the funds deposited the following working day!

If you’re worried about large repayments, then stop stressing as a Lending Club loan can last 60 months - which is five years! This is sure to decrease the monthly payments so you can repay the loan slowly and steadily.



  • Flexible repayment terms of up to 72 months
  • Money deposited quicker than competitors
  • Can borrow up to $10,000
  • APR starts at an attractive 5.99%
  • Highly rated cash network


  • Requires a lot of information to get started

CashUSA is a great choice if you need money quickly. The repayment terms vary from 3 months to 72 months depending on which loan you opt for, which will take the pressure of high monthly payments.

The process is quick and simple, and many customers claim to receive the funds in one working day - which is perfect for any emergency, large or small. You can borrow as little as $500 and as high as $10,000 - which is sure to help you out of any sticky situations, from collapsed roofs to broken teeth.

Depending on your credit score, the interest rate can be as low as 5.99%, which is pretty common with emergency loan companies.



  • Can borrow up to $50,000
  • Easy to manage monthly payments
  • Credit score won’t be affected by applying
  • Flexible loan terms
  • Low fixed rates
  • Next day funds
  • Up to 60 months to repay loan


  • Interest rates start slightly higher than other lenders
  • There are more competitive interest rates out there

Whether you need a quick small loan, or a larger loan, you’re sure to find a loan that matches your needs with Upgrade. The monthly payments are affordable, and you may have up to 60 months to repay the loan depending on what offers you receive.

The application process is super simple - you fill out a one-page application which can be filled out in a matter of minutes. Once your loan request has been approved, the ball will start rolling immediately, and the funds should be deposited into your bank within one day.

Let’s be honest, emergencies can be very costly. A stay in hospital can cost thousands of dollars, funerals can cost just short of $10,000, and even a positive experience may require a loan - and a wedding can cost over $30,000!

Thankfully, a loan with Upgrade may be able to cover that. In fact, if your credit score is good enough, you may be able to get a loan of up to $50,000 - which is more than enough for pretty much any impending costs.

The interest rates start at 7.99%, which is a little higher than other lenders. However, the plans are super flexible. With some loans, you can have up to 72 months to repay them, which is sure to make the repayment process more streamlined and stress-free.

Money Mutual


  • Perfect for small emergencies
  • Some customers receive their funds in one working day
  • You apply for multiple lenders with one simple form
  • Can borrow as little as $250
  • They accept people with a poor credit history including bankruptcy
  • Can borrow up to $2500
  • You get access to your funds quickly
  • Super easy to apply


  • Maximum loan amount is $2500

If you need money fast, then you may benefit from a loan with MoneyMutual. You can borrow up to $2500, and it’s a perfect choice if you want a quick repayment.

If you have a negative credit history including bankruptcy, then you’re still likely to get accepted by MoneyMutual. They’ll connect you with lots of potential lenders, who will get back to you with their offers. It’s up to you to choose the best offer for your financial needs.

There isn’t a charge for this service - however, the APR will be quite steep if your credit score is low.

Money Mutual isn’t a direct lender as such, which is ideal if you’re wanting a lot of options. All you have to do is fill out one simple application form, and wait for the responses to come flooding in. Then you simply choose the best one for you.

It’s the perfect choice if you have a small emergency that’s going to cost you - from a missed rent payment to an unexpected dental bill. You can borrow as little as $250.

The interest rates and loan terms vary depending on your credit score, but you’ll be reassured to know that you stand a chance of getting accepted for a loan even with a poor credit history.

Cash Advance


  • Ideal for small and fast loans
  • Repayment periods of up to a year
  • Reasonable rates
  • Can choose from different lenders


  • Loans generally cap at $1000

If you have a medical, dental, or any other emergency that’s going to cost you, then you want money and you want it quickly.

Cash Advance is ideal for these situations, and provides quick loans of up to $1000. Repayment terms are generally capped a year, which makes it the perfect short-term loan.

One Main


  • Can borrow up to $30,000
  • Perfect for emergencies or debt consolidation
  • Steady and easy-to-make loan repayments
  • Easy online application process


  • Highest APR starting point on this list

One Main is the go-to if you’re in need of fast money. They lend up to $30,000, which is more than enough to cover any financial emergencies, from weddings to medical bills.

The repayment terms are generally pretty manageable, although the APR begins above 10 percent - at 16.05%. However, you can pay the loan back any time from 24 months to 60 months.



  • Specifically for borrowers with bad credit
  • Can borrow up to $5000
  • Unsecured so no down payment needed
  • Comes highly rated amongst customers


  • Must earn at least $1000 per month to qualify

Like some other companies on our list, BadCreditLoans isn’t a direct lender - it’s a website that will connect you with potential lenders. To get started, you need to fill out the application form, which will only take a few minutes.

You’re likely to get accepted for a loan with BadCreditLoans even if you have a terrible credit history - but expect the APR and loan term to reflect your credit score.

Short term emergency loans like the ones BadCreditLoans offer have shorter terms and higher interest rates, so it’s recommended that you use BadCreditLoans if it is a genuine emergency - not to treat yourself to a new TV or a vacation.