Fast Cash Loans for Emergencies

Fast Cash Loans for Emergencies
Amy Fontinelle
on March 18, 2020
Read in 1 min

Fast cash loans can provide quick cash for a financial emergency if you don’t have savings or a credit card to cover the expense.

Some people might borrow money from friends or family in these circumstances, but not everyone can (or wants to).

If you’re thinking about looking for a fast cash loan online, here’s what you should know.

What is a Fast Cash Loan?

Many loans take several days to approve and fund. And a new credit card might get approved instantly, but then take 7 to 10 days to arrive.

A fast cash loan may let you borrow money within as little as a day—sometimes within minutes.

Fast cash loans come in several types:

  1. Payday loans or cash advance loans
  2. Title loans
  3. Installment loans
  4. Line of credit loans

Each type has different qualifications, terms, fees, interest rates, and risks.

How can I get a fast loan?

You can get a fast loan in person through a bank or credit union, or online through different lenders.

You’ll need to be at least 18 years old (19 in some states), have a state-issued ID, have proof of income, and in some cases, have a checking account.

Your credit score will affect how much you can borrow and at what rate.

You should plan to repay your loan as soon as possible to keep costs down.

fast cash loan

Are fast cash loans legitimate?

Fast cash loans are legitimate, but you should understand exactly how they work.

A payday loan must be repaid from your next paycheck.

A title loan requires you to put up your car as collateral. If you can’t repay your loan, you will lose your car.

Installment loans don’t require collateral but have a set repayment schedule.

A line of credit makes a certain sum available. You can borrow as much or as little of that as you need. Repayment replenishes your credit line, so you can borrow again later.

You might feel desperate for money, but don’t rush through anything when searching for a fast cash loan.

Read loan terms carefully before you sign in order to understand what the loan’s total cost will be.


In a financial emergency, you may have alternatives to borrowing money, such as negotiating a payment plan with the company you owe money to or getting an advance on your paycheck.

But if you need money ASAP and you don’t have savings or a credit card, a fast cash loan may be right for you.

Need Cash? Get a Personal Loan Today

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Disclaimer: This is not legal or financial advice. Please consult a legal or financial advisor for your specific situation.

Amy Fontinelle Finance Journalist

Amy Fontinelle is a writer, editor, and personal finance expert.

Her articles have appeared at Investopedia, Bankrate,, The Simple Dollar,, Yahoo,,, Bankaholic,, Saving Advice and other sites.

Amy’s clients include personal finance websites, financial institutions, public policy organizations, academic journals, and professional economists.

Important Disclosures. Please Read Carefully.

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