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Emergency Loans

Resolve an urgent financial situation quickly with our emergency loans. Choose flexible repayments on a loan of up to £600 for new customers. We can look to approve urgent loans for bad credit histories if repayments are affordable and sustainable for you. Apply now to start your application.
No Hidden Fees
Same Day Cash Transfer
Flexible Repayments
Your Details Are 100% Secure
No Guarantor Required
FCA Authorised

I Would Like To Borrow

£500
£300 £1500
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Month 1

£

Month 2

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Month 3

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Month 6

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Representative example: Representative example: Borrow £500 for 5 months - Interest payable £359.90 - Total amount payable: £859.90 in 5 instalments - 5 payments of £171.98 - Representative 1,301.80%. APR - Interest rate 292% per annum (fixed). Repayment periods are 3 months to 6 months, Additional options may be available to you as a repeat customer. Total Maximum APR 1,612.00%
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As a new customer the minimum repayment period is 3 months and the maximum is 6 months. Additional options may be available to you as a repeat customer. *Applications submitted outside normal business hours will be processed on the next working day. *All applications are subject to affordability checks*

Representative example: Borrow £500 for 5 months – Interest payable £359.90 – Total amount payable: £859.90 in 5 instalments – 5 payments of £171.98 – Representative 1,301.80%. APR – Interest rate 292% per annum (fixed). Repayment periods are 3 months to 6 months, Additional options may be available to you as a repeat customer. Total Maximum APR 1,612.00%

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Emergency Cash Loans When You Need Them

Getting emergency help can seem impossible when you have a low credit score and have been declined before. The last thing you need is another application rejected at the first hurdle, which is where we can help. We’ve made applying for an emergency loan better for our customers simply because we rely on human decisions, not automated ones. We’ve helped many people get emergency loans for bad credit with flexible, affordable repayments – let’s see how we can help you today.

374k+
Successful approved loan applications.
£158m+
Lent to customers in short term loans.
7,072+
5 star customer reviews on Trustpilot.

Emergency loans are designed to help resolve short-term financial needs when all other options are exhausted. Here at QuidMarket, we can look to help even if you have a poor credit history, so that you can resolve your financial emergency fast and choose flexible repayments you can afford to sustain.

We are fully transparent about every aspect of our short term loans, so you won’t need to choose between borrowing the money you need and making the right decision for your finances. Whether you have had a history of CCJs, defaults, arrears payments, or need an loan for bad credit, we may be able to help with an loan when you need it most.

*Loan amounts and repayment terms are dependent on affordability checks

You’ll find further information below about our emergency loans for bad credit, but if you have any questions, please contact us. Once you’ve made your decision, it’s quick and easy to apply for an emergency loan online. Just use our loan calculator to choose the amount and repayment term you need and complete our short application form. We’ll give you a decision in principle quickly so you won’t be left waiting, and if we can approve your application, we’ll process the transfer of funds as quickly as possible to your bank account. Click apply now to being your application. Please note that applications made outside of office hours will be dealt with on the next working day

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What Are Emergency Loans?

An emergency loan is designed to help you when no other options are available, and you need money fast. Whether you have no savings set aside to use or cannot rely on the help of friends and family, emergency loans can provide peace of mind during a stressful situation.

There can be many reasons you would need an emergency loan, but all we need to know is whether you can sustain the repayments for one. If you’re looking for emergency cash immediately, we are here to help and can offer same day loans even if your credit score is not perfect.

We provide emergency loans for bad credit as long as this is affordable for you and will not cause further financial difficulties. No robots are deciding if you’re eligible with us – we have a human team ready to assess your finances and see how we can help you.

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Applying for An Emergency Loan

We know that speed is of the essence in an emergency, so we won’t keep you hanging around waiting for a decision. Once you’ve decided you need an emergency loan, we get to work on assessing your application fast – all you need to do is decide on the loan amount you need to cover your emergency expense and the repayment length. You can apply today if you meet our eligibility requirements:

  • Currently live in the UK
  • Over 23 years old, and under 65 years old
  • Hold a UK bank account with a valid debit card
  • Be in full-time or part-time employment
  • Receive a salary of at least £1,250 a month

If an emergency loan for bad credit would really help resolve your current circumstances, whilst being able to afford the repayments required, start your application today.

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  • 01 Loan Amount

    Choose a £300 – £600 emergency loan, with 3 – 6 month repayments.
  • 02 Underwriting Process

    Our credit analysts assess your application, performing credit and affordability checks.
  • 03 Same Day Cash

    If approved, the emergency cash will be in your bank account the same day where possible.

Making Lending Human – Emergency Loans in the UK

We’re proud to offer real human lending here at QuidMarket as it means we can help many more people with an emergency loan in the UK. Our website is accessible 24/7 so we are here when you need us. From needing car repair loans to home emergency loans, we know that there is an endless list of reasons you could find yourself needing emergency funding.

374k+
Successful approved loan applications.
£158m+
Lent to customers in short term loans.
7,072+
5 star customer reviews on Trustpilot.
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couple smiling over a phone
couple smiling on the couch looking at phone

Why Choose QuidMarket for Emergency Loans?

If you’re looking for bad credit emergency loans, you won’t need to bypass a robot gatekeeper first. We can assess your application whether you have good or bad credit, as long as you can afford to sustain the repayments. We understand building up your credit score can take time and your current rating doesn’t necessarily reflect your current finances – we are only human after all.

You can choose affordable monthly instalments with our emergency cash loans, adjusting repayments for up to 6 months to suit your budget. Our loans are designed to be accessible to hard-working people. As a Financial Conduct Authority (FCA) authorised lender, we always consider our customers’ best interests when assessing an application. If you need emergency funds and we can determine the loan is affordable for you, we could help today.

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icon check image Easy To Apply Simple to complete online application, designed to help you in minutes.
wallet image icon Affordable Choose flexible repayments for up to 6 months to repay your emergency loan.
thumbs up image Trusted Lender We’re FCA authorised direct lenders of emergency loans, so you can trust you’ll be treated fairly.

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Emergency Loans UK FAQs

An emergency loan is a short term cash loan that can be applied for to cover emergency expenses, with funds usually transferred the same day if approved. They are suitable when you have no other options available to settle an unexpected financial emergency, such as emergency savings, other forms of credit, or help from family and friends. At QuidMarket, we can help those with both good and poor credit histories, so if you can afford the repayments, you could be approved fast.

You can get an emergency loan fast through us as long as you are eligible and we can approve your application. Many successful applicants have received emergency same day loans as we aim to process your application as quickly as possible. As we provide a 24/7 loan application, you can apply online at any time, but please note, any application made outside of our business hours will not be processed until the following working day.

You can borrow between £300 and £600 with an emergency loan through QuidMarket as a new customer. If you have borrowed from us before and successfully paid off your first loan with us, returning customers may be eligible for up to £1,500. All loan applications are subject to credit and affordability checks before being approved.

No, when applying for emergency cash loans at QuidMarket, we can consider applicants with a poor credit history. You will need to ensure the loan amount and repayments are sustainable and that borrowing to settle your financial emergency will not cause any further financial difficulties. An emergency loan for bad credit may help you when you have been declined by other lenders.

We do not require applicants to have a certain credit rating thanks to our human approach to lending, but you will need to meet our eligibility requirements. You will need to be between 23 and 65 years old, be in employment with a salary of at least £1,250 per month, currently be a UK resident, and hold a UK bank account with a valid debit card. We may require other documentation such as proof of identity and address during the application.

We provide flexible short term loans, so you can choose between 3 to 6 months to repay your emergency loan. This enables you to choose affordable loan repayments that suit your budget whilst settling your financial emergency quickly.

Yes, if you want to repay your loan faster than the chosen repayment term, we do accept early repayment. All you have to do is contact us if you are looking to settle the emergency loan balance in full and we can then provide you with an early settlement figure.

It’s simple to apply at QuidMarket when you need emergency cash immediately. Just click apply now to begin your application and choose the loan amount and repayment term you want. Use our loan calculator to adjust the sliders and choose affordable repayments that match your budget before continuing. You could be approved in minutes if you meet our eligibility and pass credit and affordability checks.

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Representative example: Representative example: Borrow £500 for 5 months - Interest payable £359.90 - Total amount payable: £859.90 in 5 instalments - 5 payments of £171.98 - Representative 1,301.80%. APR - Interest rate 292% per annum (fixed). Repayment periods are 3 months to 6 months, Additional options may be available to you as a repeat customer. Total Maximum APR 1,612.00%
Quidmarket is a trading name of Stagemount Limited Authorised and regulated by the Financial Conduct Authority, our firm reference number is: 677995. Registered Office; Stagemount Ltd, 8th Floor, Waterfront House, 35 Station Street, Nottingham, NG2 3DQ. Registered in England and Wales company number: 07259223. Data Protection: Z2501836. Copyright © 2025 QuidMarket Loans – Short Term Loans.