Emergency Cash Loans | Need UK Cash Now?

Badger Loans Customers Be Aware...

We are aware of a scammer targeting some of our customers who have come to us, after having given their email address unknowingly to a bad credit phishing or clone site. They are then being targeted by a scammer who has stolen our identity and pretends to offer them a loan then demands money up front to complete the loan. They are using a London address with Badger Loans contact details.
*We never call our customers nor do we lend money but we occasionally email our customers inviting them to reapply for a loan if previously unsuccessful. We NEVER ask for money either before or after completion of a loan. Nor do we provide car finance. We are brokers not lenders. NEVER hand over money to anyone claiming to be from Badger Loans.
*Please do not hand over any money. The police and FCA have been informed and are investigating. If you have lost money to the scammer please call Action Fraud on 0300 1232040 or the Financial Conduct Authority on 0800 111 6768. Apologies for the inconvenience. In the meantime the site is safe to use.

Get An Emergency
Cash Loan in 1 Hour*

Emergency Loans

Emergency cash loans can give you access to money almost immediately to pay for urgent bills or expenses.

Whether it is car repairs, broken boilers, expensive dental or pet bills. There are times when we need emergency money fast and cannot wait until our next payday.

*Emergency cash loans could be available within 1 hour if all criteria are met and the money is transferred straight to your bank account. However, this is only if it accepts Faster Payments.

Badger Loans offers a 100% online application. This helps you get an almost instant decision when you apply to borrow from £100 to £25,000.

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I Need an Emergency Cash Loan / Emergency Loan – What Do I Do?

Consider how much you need: When you need money for an emergency, take a moment to consider how much you need. Is it £100, £200 or £500? Depending on the emergency, it may be best to ask a family member or friend to lend you the money so you can quickly get your life back on track.

Consider how long you need to borrow for: Some emergency cash loans can come with high interest rates, so only borrowing for the time you really need to can be the most cost effective. As opposed to taking out a loan for a long time and paying more interest than you need to. You may find that 3, 6 or 12 months is a good starting point and you always have the option to repay early if you want to.

Get your details in order – Write down some important details such as your bank account numbers, employment details and monthly income. You will need this when you apply.

Apply during office hours: If you can, apply during working hours such as 9am to 5pm on a weekday. This will maximise your chances of getting funds quickly, rather than applying on a weekend or bank holiday.

Avoid too many applications: Where possible, try to avoid making too many loan applications online. This will usually be recorded on your credit file and having too many in short space of time can make you seem desperate and unattractive to some lenders. If you can, focus on just a handful of companies. By applying with Badger Loans, you can access a panel of up to 30 direct lenders in one place, save you time, effort and boosting your chances of approval.

Am I Eligible to Get Emergency Cash?

  • Over 18 years of age
  • Full-time UK resident
  • Permanent UK address
  • Stable income and employment
  • Able to afford monthly repayments
  • Valid UK bank account
  • Valid UK mobile and email

What is and What is Not Considered an Emergency for an Emergency Loan?

Short-Term High cost loans should only be used for emergency purposes and things that cannot wait until your next payday.

An example of a true emergency is needing money to pay for your broken boiler as it’s just stopped working and you and your family are freezing cold.

You should not be taking out a high cost loan for non-emergencies such as shopping, holidays or buying new clothes. These type of purchases are better suited to credit cards that charge a lower rate of interest or no interest at all if you pay on time.

Fast cash loans provided by Badger Loans are designed to help you with a cash shortfall. That way you can pay for your emergency quickly and pay off your loan as soon as you are back on your feet. Our loan products are not intended to be used for the long term or to resolve ongoing financial troubles.

How Do Repayments Work? 

Customers can apply for an emergency loan for a minimum of 1 month, repaid in equal monthly instalments. You can borrow for as long as 60 months or 5 years if you need extra breathing space. This is often for longer-term purposes and not for emergencies.

Why Apply with Badger Loans for an Emergency Loan?

Badger Loans works with a panel of up to 30 lenders and can match you with the lender most likely to approve your loan and charge you the least interest.

We have partnered with some of the most reputable and trusted lenders in the UK. We have developed a system to match customers with lenders based on their eligibility and loan requirements. This mean that once you’ve been credit checked and credit scored your loan approval could result in a same day cash advance. That is subject to all criteria being met.

We do not charge any upfront fees and never will. You will simply be matched with the best direct lender. Subject to further checks, you could receive your emergency money within 1 hour if your bank accepts Faster Payments. We will not pass on your information to any other companies without your permission.

Will I have to be credit checked and scored to get an Emergency Cash Loan?

Since the financial services and consumer credit industry has been regulated by the Financial Conduct Authority it has been compulsory to credit check each and every individual applying for consumer credit. In other words an unsecured personal loan, regardless of how much or how long the loan will run for.

Prior to FCA regulation it was possible to be given a loan without being searched or scored but since 2015/6 no longer. You will find companies advertising on the internet for loans without having a credit check but you will find they are either trying to fraudulently relieve you of your money or they are using dubious advertising methods to get you to click on their link or advert. Don’t do it! As stated, everyone bar no one must be credit checked prior to any funds being released.

Soft Search, Hard Search

What happens these days is that in order to access an emergency online loan you will be what’s called ‘soft searched’ first once you have submitted your initial application. This is an initial credit search against your name which does not appear on your credit file. It will be a basic search which will give the prospective lender a general idea about your finances and the way you have conducted any previous loans or credit agreements.

Once you have been approved for a loan by one of our lending panel the lender in question will then perform a hard search against you. This will appear on your credit file. It is an indicator to other lenders that you are looking for credit. It is important not to apply too many times in quick succession as it will have the effect of making you look like you’re trying to get finance everywhere and not succeeding. That’s a red light for lenders.

To get started, simply click on the ‘apply now’ button below.

Why Apply For A Personal Loan with Badger Loans?

  • Amount between £100-£25,000
  • Term from 12 months to 5 years
  • You need a Personal Loan
  • Good or Bad Credit
  • With or Without Guarantor

Legal Information

Rates from 12.9% APR to 1625.5% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. The total amount repayable is £1564.59. Interest amounts to £564.59, an annual interest rate of 59.97% Representative APR: 79.5% (variable).

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