We use cookies to help us improve and protect our services. By continuing to use the site, you agree to our Privacy and Cookies Policy
Close cookies banner
Creditspring logo
woman with smartphone
Creditspring reviews

For
Emergencies

Your Creditspring membership will give you on-demand access to loans with no interest when you need it most.
Representative example: Total amount of credit £600 repayable. 12 monthly membership fees of £10. Rate of interest 0% p.a. (fixed). Total cost of credit: £120. Total amount payable: £720. Monthly loan payment: £50. Representative 83.1% APR
smiling Creditspring customer

Memberships
made for plans
big and small.

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

Late and missed payments, along with other external factors, can have a negative effect on your credit score.

Extra
Borrow £2,400 a year and repay only
£2,688 in 12 monthly fees.
Plus
Borrow £1,000 a year and repay only
£1,168 in 12 monthly fees.
Core
Borrow £600 a year and repay only
£720 in 12 monthly fees.
Step
Borrow £400 a year and repay only
£484 in 12 monthly fees.
Coins Membership fee
£24/month
Fingers crossed 2 loans per year
£1,200 / £1,200
Wallet Repay each loan in
6 months
Rep APR Representative APR
43.7%
Waiting period Waiting period
14 days
Representative example: Total amount of credit £2,400 repayable over 13 months. 12 monthly membership payments of £24. Rate of interest 0% p.a. (fixed). Representative 43.7% APR. The first repayment for each advance is £200.00, due 45 days after drawing, followed by 5 monthly repayments of £200.00. Total amount payable £2,688.
Coins Membership fee
£14/month
Fingers crossed 2 loans per year
£500 / £500
Wallet Repay each loan in
6 months
Rep APR Representative APR
66.2%
Waiting period Waiting period
14 days
Representative example: Total amount of credit £1,000 repayable over 13 months. 12 monthly membership payments of £14. Rate of interest 0% p.a. (fixed). Representative 66.2% APR. The first repayment for each advance is £83.35, due 45 days after drawing, followed by 5 monthly repayments of £83.33. Total amount payable £1,168.
Coins Membership fee
£10/month
Fingers crossed 2 loans per year
£300 / £300
Wallet Repay each loan in
6 months
Rep APR Representative APR
83.1%
Waiting period Waiting period
14 days
Representative example: Total amount of credit £600 repayable over 13 months. 12 monthly membership payments of £10. Rate of interest 0% p.a. (fixed). Representative 83.1% APR. The first repayment for each advance is £50.00, due 45 days after drawing, followed by 5 monthly repayments of £50.00. Total amount payable £720.
Coins Membership fee
£7/month
Fingers crossed 2 loans per year
£200 / £200
Wallet Repay each loan in
6 months
Rep APR Representative APR
88.8%
Waiting period Waiting period
14 days
Representative example: Total amount of credit £400 repayable over 13 months. 12 monthly membership payments of £7. Rate of interest 0% p.a. (fixed). Representative 88.8% APR. The first repayment for each advance is £33.35, due 45 days after drawing, followed by 5 monthly repayments of £33.33. Total amount payable £484.
Check eligibility

Late and missed payments, along with other external factors, can have a negative effect on your credit score.

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 83.1%) loans on demand with fixed monthly fee.

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

Check your eligibility
What our members
say about us

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 (fees apply)

  • 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.

Get a loan
Unexpected expenses? Creditspring's emergency loans are here to help. Fast, transparent, and trustworthy.
Check your eligibility

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: Total amount of credit £600 repayable over 13 months. 12 monthly membership payments of £10. Rate of interest 0% p.a. (fixed) Representative APR 83.1%. The first repayment for each advance is £50 due 45 days after drawing, followed by 5 monthly repayments of £50. Total amount payable £720.  

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.

Join Creditspring
Are you ready to start your journey with Creditspring?
Check your eligibility