Crisis Loan UK

We all try to live within our means, set a reasonable budget, and even put a little away for a rainy day. But life can be unpredictable. Whether it’s that overdue electric bill or a broken boiler, sometimes we need cash in a hurry – which is why you can get a loan with us in an emergency situation.

So, when the unthinkable happens and you just can’t wait until payday, emergency loans may be the best, most practical solution.


What Are Emergency Loans?

At one time or another we all struggle to make ends meet, and for a quick, effective and hassle-free option, emergency loans might just be the answer to your financial troubles. Emergency loans are designed to provide a simple solution to your money worries; they’re fast and effective, and, with Now Loans’ quick, straightforward application process, you could have the money in your bank account within 24 hours. And that’s not all:

  • You can borrow as little as £500 or as much as £25,000.
  • You can qualify for an emergency loan even if you don’t have the best credit score.
  • Our flexible repayment options are designed to suit even the tightest budget.
  • And, because Now Loans recommend only the most reputable lenders, you’ll have the peace of mind that your finances are in good hands.

So, if you need some emergency cash to get you out of a tight spot, Now Loans is here to help.

  • Borrow up to £25,000
  • Poor credit ratings welcome
  • Free, no obligation service

  • Flexible repayment plans
  • Quick and easy application process
  • Cash in your account within 24 hours

Estimate your loan repayments

Use our loan calculator to work out your estimated repayment options

Repaid over how many months?

Estimated Repayments

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Monthly repayments £
Total repayable £
Representative APR %

This tool is for guidance ONLY. It is designed to help you estimate loan repayments. It uses the representative APR of each product. Lenders have a duty to conduct affordability checks when you apply for a loan.

Representative example. Borrow £3,000 with repayments scheduled over 36 months each totalling £162.34 at a fixed interest rate of 45.10%. Total interest payable at £2,844.30, meaning the total repayable after 36 months is £5,844.30.

Representative APR 50.0% fixed. This example is for illustration purposes only. The rate and/or term you are offered is dependent on your individual circumstances.

Representative example. Borrow £3,000 with repayments scheduled over 36 months each totalling £144.16 at a fixed interest rate of 34.05%. Total interest payable at £2,189.60 meaning the total repayable after 36 months is £5,189.60.

Representative APR 39.9% fixed. This example is for illustration purposes only. The rate and/or term you are offered is dependent on your individual circumstances.

Why Might You Need an Emergency Loan?

There are plenty of reasons why you might be considering an emergency loan. You may have an overdue bill to pay, your car may require urgent repairs, or you might just need some emergency money to tide you over until payday. Whatever your situation, Now Loans can deliver emergency financial assistance when you need it most. Our loans provide the perfect financial safety net, with an emphasis on quality and choice.

  • It’s easy to apply, with our simple step-by-step process.
  • We pride ourselves on finding you the most favourable deal from our select panel of trusted lenders.
  • We’ll help you cut through the red tape and get you a decision in principle within minutes.
  • Our lenders ensure that you never borrow more than you can afford.

Why Do Emergency Loans Have a High APR?

APR, or Annual Percentage Rate, is the yearly interest rate, plus any additional fees, that lenders charge their customers for their financial products, whether that’s a loan, mortgage or credit card. Factors such as credit history, the amount you wish to borrow and your repayment schedule will all have an impact on your APR. Because emergency loans are quick and convenient, and often designed to help those with a poor credit score, the APR tends to be a little higher than other, longer-term financial solutions.

However, unlike more traditional options, such as bank loans or overdraft extensions, with an emergency loan you won’t be tied into any lengthy financial commitments, you’ll receive your cash quickly through our simple application process, and you’ll benefit from a range of flexible repayment options. Our loans provide an injection of emergency cash as and when you need it, and, because Now Loans work with a select panel of trusted lenders, you can be sure that your finances are in safe hands.

What Are the Alternatives to Emergency Cash Loans?

While there are other, cheaper alternatives out there, such as borrowing money from friends or family, securing a loan from a credit union, or negotiating an overdraft extension with your bank, these options are not always readily available. Not all current accounts offer an overdraft, particularly if you already have a poor credit rating, credit unions are notoriously selective, and borrowing from loved-ones comes with its own emotional baggage. The speed and flexibility of an emergency loan means you can determine the exact amount you want with the least amount of hassle, and you can have the money in your account the very next day. You don’t have to enter into any complicated financial arrangements, and you can structure the repayments to fit your budget. So, whether it’s an outstanding electric bill or an unexpected medical expense, if you’re a little strapped for cash and you’re looking for a safe, expedient solution to your financial difficulties, look no further. If you need cash in an emergency from a lender you can trust, Now Loans can help you find the perfect fit.

How Can I Get Emergency Cash With Bad Credit?

Few of us have a perfect credit score, and, whether it’s a handful of late payment fees or an unfortunate bankruptcy, a poor credit history can often be a huge obstacle to securing a credit card or loan. Here at Now Loans we work with a panel of highly-reputable lenders to ensure our customers get a great deal, whatever their circumstances. So, if you have poor credit, it’s always worth making an enquiry to see if you’re eligible. The process is quick and simple, and we’ll have a decision for you in principle within minutes. We can also offer the option of a guarantor loan, which allows customers with a less than perfect credit score to borrow up to £15,000, as long as a friend or family member can guarantee the repayments. Whatever your requirements, and whatever your credit rating, here at Now Loans we’re dedicated to helping you find the right solution, providing emergency financial assistance to those who need it most.

How Do I Apply for an Emergency Loan With Now Loans?

With a quick and easy application process, we can have a decision for you in principle within a matter of minutes. Whether you’re struggling to pay an overdue vet’s bill, or your washing machine has finally given up the ghost, the solution to your problems may be just a few clicks away. Here’s what to do:


  • Choose your own borrowing terms.
  • Tell us why you would like to take out a loan – debt consolidation, car repairs etc.
  • Our online calculator will sort everything out, once you provide a few details.


Once we’ve checked your eligibility we can start matching you with suitable lenders and you can begin to get your finances, and your life, back on track.