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Emergency Loans

Your Creditspring membership will give you on-demand access to loans with no interest when you need it most.

Check eligibility

Membership fee

£10/month

2 loans per year

£500 | £500

Repay each loan in

6 months

Rep. APR

43.1%

Start building your credit today and access your first loan after 14 days.

Representative example: Total amount of credit of £1,000 over 12 months. The first payment for each advance is £83.35 followed by 5 monthly repayments of £83.33 and 12 monthly membership payments of £10. Rate of interest 0% p.a. (fixed). Representative 43.1% APR. Total amount payable £1,120.

Membership fee

£8/month

2 loans per year

£250 | £250

Repay each loan in

6 months

Rep. APR

77.3%

Start building your credit today and access your first loan after 14 days.

Representative example: Total amount of credit of £500 over 12 months. The first payment for each advance is £41.70 followed by 5 monthly repayments of £41.66 and 12 monthly membership payments of £8. Rate of interest 0% p.a. (fixed). Representative 77.3% APR. Total amount payable £596.

Membership fee

£5/month

2 loans per year

£100 | £200

Repay each loan in

6 months

Rep. APR

87.5%

Start building your credit today and access your first loan after 14 days.

Representative example: Total amount of credit of £300 over 12 months. The first payment for the first advance is £16.70 followed by 5 monthly repayments of £16.66. The first payment for the second advance is £33.35 followed by 5 monthly repayments of £33.33 and 12 monthly membership payments of £5. Rate of interest 0% p.a. (fixed). Representative 87.5% APR. Total amount payable £360.

Emergency Loans

Your Creditspring membership will give you on-demand access to loans with no interest when you need it most.

Check eligibility

Membership fee

£10/month

2 loans per year

£500 | £500

Repay each loan in

6 months

Rep. APR

43.1%

Start building your credit today and access your first loan after 14 days.

Representative example: Total amount of credit of £1,000 over 12 months. The first payment for each advance is £83.35 followed by 5 monthly repayments of £83.33 and 12 monthly membership payments of £10. Rate of interest 0% p.a. (fixed). Representative 43.1% APR. Total amount payable £1,120.

Membership fee

£8/month

2 loans per year

£250 | £250

Repay each loan in

6 months

Rep. APR

77.3%

Start building your credit today and access your first loan after 14 days.

Representative example: Total amount of credit of £500 over 12 months. The first payment for each advance is £41.70 followed by 5 monthly repayments of £41.66 and 12 monthly membership payments of £8. Rate of interest 0% p.a. (fixed). Representative 77.3% APR. Total amount payable £596.

Membership fee

£5/month

2 loans per year

£100 | £200

Repay each loan in

6 months

Rep. APR

87.5%

Start building your credit today and access your first loan after 14 days.

Representative example: Total amount of credit of £300 over 12 months. The first payment for the first advance is £16.70 followed by 5 monthly repayments of £16.66. The first payment for the second advance is £33.35 followed by 5 monthly repayments of £33.33 and 12 monthly membership payments of £5. Rate of interest 0% p.a. (fixed). Representative 87.5% APR. Total amount payable £360.

You never know when an emergency situation arises and that’s when you need a loan - fast.Emergency loans come in different amounts and can help you out when you need them most. 

Forget long application processes, complicated approvals and expensive interest rates. As a Creditspring member, you can build your credit history and get access to no-interest (APR Rep 43.1%) loans on demand

Learn more about taking out a loan for emergencies, how to apply, and how Creditspring can help.

Our members love Creditspring 💙

What are emergency loans?

Emergency loans are instant loans where you get the cash you need quickly. These are often smaller amounts with a short repayment period and they are ideal to help you cover unforeseen emergencies, like medical expenses or sudden car repairs.

Emergency loans are very similar to payday loans or instant cash loans and that’s why they are typically tailored to your specific needs. Because these loans are aimed at people who need money quickly or for an emergency, they are typically also offered to people with bad credit. 

Why choose Creditspring

Creditspring is different to payday loans. Find out how by checking your eligibility today.

Here are some of the reasons to choose Creditspring for your emergency loan :

  • Borrow the money you need on-demand

  • Small no-interest loans 

  • Eligibility takes only a few minutes

  • Build your credit history

As with all loans, always ensure that you can comfortably afford the loan repayment. This will not only allow you to qualify for great rates but also build your credit history.  

Your Creditspring membership will give you on-demand access to loans with no interest when you need it most. Read more about the different memberships here.

Use our free eligibility checker to see if you’ll be accepted

Will I be approved for an emergency loan?

If you are faced with unexpected expenses and need a loan fast, you can consider small emergency loans from Creditspring. Depending on your credit history, you may be eligible for a Creditspring emergency loan fast and settle your emergency expenses as quickly as possible. 

Get the cash you need quickly with an emergency loan from Creditspring. By becoming a member you could get access to no-interest loans twice a year. 

How quickly can I receive a loan in an emergency?

Loans for emergencies are typically paid out very quickly, often the next business day. These loans are ideal for someone who needs money quickly to cover an emergency expense. 

Applications are easy and done online, making it quick and convenient to apply for an emergency loan. You can start by checking your eligibility online and applying for an emergency loan immediately.

Why choose Creditspring

Here are a few benefits of taking out emergency loans with Creditspring:

  • Borrow the money you need on-demand

  • No-interest loans 

  • Pay a fixed membership fee

  • Eligibility takes only a few minutes

  • Build your credit history

Representative Example: If you take out a loan of £1,000, you will receive two £500 advances over 12 months, the first payment for each advance is £83.35 followed by five equal monthly repayments of £83.33 and 12 monthly membership payments of £10. Rate of interest 0% p.a. (fixed). Representative APR 43.1% and total payable: £1,120.

Are there emergency loans with no credit check?

Yes, some lenders offer emergency loans without a credit check. However, it may require you to provide collateral to secure the loan. Collateral can be a property you own, such as a vehicle, or a house. 

Loans without a credit check typically come with higher interest rates, so always be aware of all the fees and possible APRs you could pay. 

If you want to apply for small emergency loans but have a bad credit score, Creditspring can help!

Sign up for the Stability Hub and start improving your credit score today. You’ll get the tools you need to keep track of your financial health and we’ll automatically notify you when you’re eligible for a loan. 

Ready to get started? Check if you’re eligible to join Creditspring today!

How does repayment of an emergency loan work?

Small emergency loans can have different repayment terms depending on the lender. With Creditspring you can take out loans for emergencies up to twice a year and make low monthly repayments. Best of all, these loans have no interest! You only pay a membership fee in addition to the amount you borrow. 

Other lenders may extend a payday loan to you that needs to be repaid with your next salary, while others may give you a loan repayment term of three months, six months, or more. This all depends on your credit profile and the amount of money you borrow for an emergency.

Get access to a no-interest loan twice a year by becoming a Creditspring member today! Join now.

What can I use emergency cash for?

An emergency cash loan can be used for anything you need, as long as you can afford the repayment. Typical uses for emergency cash often include medical expenses, car repairs, travel expenses or home improvements. These expenses are unforeseen and that’s why you need a fast payout - and that’s exactly where Creditspring comes in. By becoming a member you can use emergency cash for anything you need without any unnecessary interest rates or fees.