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Emergency Same Day Cash Loans
Apply For 1 Hour Funding Immediately

Harpsey offers same day loans for emergencies and we are here to help if you need money immediately or within 1 hour. We act as a loans connection service and will match your loan application with more than 50 lenders across the US and Canada.

  • Get paired with over 50 lenders
  • Borrow $100 to $35,000
  • Repay over 1 to 60 Months
  • Bad Credit OK
  • No Impact To Your Credit Score
  • Free to Apply
  • Same Day Funding

Use our completely online application form to borrow $300, $500 or $1,000 and get an instant decision so funds can be transferred to you as quickly as possible. We also have a number of options for bad credit customers. Simply click on the apply now button to get started!

How To Apply for Emergency Same Day Loans in 3 Steps

Step 1

Enter Your Details – Completed your details in less than 3 minutes, including your name, age, address, employment, loan requirements and bank details. We will match your profile with more than 50 lenders across the US and Canada and present you with the best offer.

Step 2

Get Instant Approval – You will be presented with an instant loan offer on the screen, taking all your requirements, location and credit score into account. If you wish to proceed, you will be presented with loan terms and you can sign these electronically using an email links and SMS code.

Step 3

Success! Your Loan is Funded – Subject to further credit and affordability checks from the lender, once approved, the loan can be transferred to your bank account in one lump within 15 minutes, 1 hour or the same day.

Representative Example

Based on: $500 loan at 292% representative APR

Loan Amount Loan Duration Fees Total Repayable
$500 2 weeks $46.35 $546.25
$500 1 month $92.27 $592.27
$500 6 weeks $138.05 $638.05
$500 2 months $183.59 $683.59
$500 3 months $273.95 $773.95
$500 4 months $363.39 $863.39

What is an Emergency Cash Loan?

An emergency cash loan is a personal loan that is urgently needed by the recipient due to unexpected circumstances in their life. An emergency cash loan might be needed to pay an urgent medical bill or to pay for an unexpected car repair. It can be used as a temporary form of finance to cover any type of urgent expense someone might face.

Emergency cash loans are usually unsecured but there are options to add security to them. Lenders will usually carry out certain checks before agreeing to advance the emergency cash loan such as affordability checks by looking at an applicant’s debt to income ratio. Lenders may also look at credit scores too, but it will not be the sole factor.

For those with bad credit, you may still be able to qualify for an emergency cash loan if you have a steady income and good affordability criteria. You can also bolster your chances of securing an emergency cash loan with competitive rates by applying for a joint loan or getting a co-signed emergency cash loan. This can enhance your chances of qualifying.

What is The Eligibility Criteria For an Emergency Cash Loan?

  • Be a US or Canadian citizen or resident
  • Be over 18 years of age
  • Have a steady income of at least $800 per month (some may accept $500)
  • Be employed full-time or part-time (self-employed is accepted)
  • Have a live checking account in which funds can be paid
  • Be able to make the necessary repayments
  • Good, fair or bad credit considered

What Can Emergency Loans Be Used For?

Emergency cash loans offer financial support for people in emergency situations. The types of unplanned or unexpected circumstances vary, but some examples include:

  • Medical bills
  • Rent, utility or other household bills
  • Household repairs
  • Car repairs
  • Childcare
  • Funerals
emergency loans immediately

How Can I Get Emergency Cash Immediately? 

If you need emergency cash immediately, you will certainly save time by applying online with Harpsey. There is no need to line up at the bank or local payday store, since the entire process is streamlined online so that ou can get an instant decision and receive funds within 24 hours.

To make the process go faster, you should make sure that:

  • You give the correct details (do not lie about your name or income)
  • The loan is for you and not for someone else
  • You apply during weekdays (although we still fund on weekends)
  • You stay by your cell phone and emails in case there are any follow up questions
  • You have considered any low cost alternatives before applying
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Do You Offer Emergency Loans For Bad Credit and Guaranteed Approval?

Yes, if you are looking for emergency loans for bad credit, this is something that we can offer. Our lenders are designed to working with people from all walks of life and they have specific products just for people with poor credit. 

As long as you have a stable income and employment and are dedicated to paying off your loan on time, we can certainly be eligible and borrow the money that you need.

For emergency cash loans with guaranteed approval, we can never fully guarantee that a loan will be funded – since a lender will need to carry out sufficient checks to ensure that you can afford to repay without falling into financial difficulty.

Fortunately, we are pleased to offer a range of products for all credit histories including payday loans, collateral and personal loans.

Can I Get Emergency Installment Loans?

Yes, we offer installment loans for emergencies and whilst most of our loans are for short-term and urgent expenses and therefore repaid in 2 to 4 weeks, you also have the option to repay over several months, whether it is 3,6,9,12 or 24 months.

Repayments are typically made in equal monthly installments so you know exactly how much you are repaying each month – and it gives you some breathing space and time to spread your collections. Plus, if you find that you are back on your feet earlier than expected, you can call up or log in and repay your loan early in full.

Just note, that the longer your loan is open, the more interest is charged and therefore the more expensive the loan can be.

Can Harpsey Provide Urgent Loans for Bad Credit?

Yes, for urgent loans with bad credit loans, our process is completely online and automated so that you can get money fast for any emergency. If your roof is leaking, your boiler is not working or your toilet is overflowing, you may need cash quickly to get it fixed.

Harpsey is proud to offer a number of affordable options for those with bad credit, helping you to get funds in 24 hours or less. Just make sure that you have a stable income, employment and can afford to make repayments on time.

How Do Repayments Work? 

Your repayments are collected automatically from your bank account on your scheduled pay date, which is a day that you choose for collection. This is often the day that you get paid from work or the day after, just so you definitely should have money in your bank account for collection. The process is automated using something called ACH authorization, so the lender can collect your repayments without you needing to call up, making a payment or go to the bank.

Your loan is often repaid at the end of the month, with the average loan duration lasting between 2 to 4 weeks, but you also have the option to repay over monthly installments if you prefer.

What Happens if I Cannot Repay My Loan?

If you cannot repay your loan, the lender will follow up for repayment via email, phone and SMS. There is a certain number of times they can follow up by regulation. The initial impact will be a one-off default fee, added interest for any days that the loan is outstanding and a negative mark on your credit file, which will lower your credit score.

Some lenders will not charge any late fees or negatively impact your credit score if you pay within 24 to 36 hours of your due date, but this will vary between lenders.

In some cases, if you miss repayments and do not respond to any communication, this could lead to court action.

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Harpsey offers loans ranging from $50 to $35,000 with most payday loans available between $50 to $2,500 and the maximum amount may vary depending on the US state you are in. To borrow larger amounts such as $5,000 or $10,000 this is typically a personal loan and will require good credit or you can use instalment loan which is repaid over several months such as 6,12 or 84 months.

No, Harpsey does not charge any fees for using our service, which means that it is completely free to apply. We only take a small introductory fee from the lender if your application is successful. You will be charged fees by your lender throughout the duration of your loan and this will be presented to you in writing beforehand.

Whilst emergency cash loans may veer towards payday loans, we also offer a number of alternatives including cash advances, installment loans, title loans, secured loans, apps and stores. You should always consider low cost options before you apply such as using a local credit union or borrowing money from family and friends. 

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, Washington DC, West Virginia, Wisconsin, Wyoming

We can often process loans within 1 hour or the same day of applying. Small loans of $100 or $200 can be automated and sometimes funded in as little as 15 minutes. Larger loans may take a little longer such as 1 day after approval or the next business day.

Yes, you can apply if you are unemployed, but you may need to be receiving some kind of regular income through welfare or a pension – since lenders will require you to have a stable stream of money coming in to cover the cost of repayments. If you are self-employed, you are certainly eligible to apply for a loan and to get the money that you need and you will not be treated differently to any other employed applicant.

If you complete your details and your loan is declined, nothing will happen! There will be no fees charged and no negative impact to your credit score. At Harpsey, we will always recommend you to a partner even if you have been declined by all of the lenders on our panel. This could be a recommendation for a credit union or a company to help you professionally manage your debt.