If there is one thing you can count on in life it’s… well, nothing.
Life is unpredictable, and you never know what might happen next.
Sometimes that might mean a major expense you weren’t planning for, like a medical bill, new roof for your house or car repairs.
When the unexpected happens and you need fast access to cash, online emergency loans can be just the ticket.
We’ll explain how finding a fixed-rate loan through LendGenius can help you get back on track.
In an ideal world, every American would have an emergency fund with enough money set aside to cover three-to-six months’ worth of living expenses.
However, the reality is that most Americans live paycheck to paycheck.
That means if an unexpected expense comes up, the odds are they probably don’t have the money to pay for it.
If you’re like most of us, you count on your car to get you to and from work, the grocery store and to chauffer your kids to soccer practice.
But what happens if it breaks down?
A broken cylinder, faulty transmission or worn-out brake pads that need replacing could all add up to hundreds or thousands of dollars in repairs.
And if you can’t afford to get your car fixed it can throw your whole life out of whack.
Or maybe you need to go to the doctor.
Physicals are typically covered under most health plans, with the exception a small copay.
But what if you don’t have health insurance?
Or what if you fall, break an arm and need to go to the emergency room?
Could you afford the resulting bill?
Medical expenses can easily overwhelm your budget if you don’t have the necessary funds on hand.
Unfortunately, it doesn’t end there.
Plenty of other unexpected bills can crop up at any time too.
For example, you might get a last-minute invite to a friend’s wedding out of town, or need to travel across the country to take care of a sick relative.
Or maybe your laptop or phone is lost or stolen and has to be replaced.
You just never know when you might need to get quick access to cash.
No matter the situation, an emergency online loan from LendGenius may help.
When you are ready to get started, simply complete the online form on our site.
That’s right, no need to travel to a storefront.
Next, let us know how much you need to borrow.
Loans typically start at $2,000 and can range up to $35,000.
Be sure to tell us all the details, like how long you need to pay it back.
Typical repayment terms include:
If you need more time or a lower monthly payment, then the 60-month payment plan may be an option.
But be aware that the quicker you pay back the loan, the less you’ll pay in interest!
Perfect credit isn’t a requirement either.
You can still be approved, even if you have bad credit.
LendGenius also caters to the needs of veterans with bad credit.
Once approved, your lender will let you know the terms of the loan, including how much interest you will be charged.
Depending on your credit and the length of the loan, the APR can range anywhere between 9.95% to 35.99%.
The money is then deposited directly in your bank account, typically as soon as the next day.
Ready to get started?
Important Disclosures. Please Read Carefully.
Persons facing serious financial difficulties should consider other alternatives or should seek out professional financial advice.
This website is not an offer to lend. Lendgenius.com is not a lender or lending partner and does not make loan or credit decisions. Lendgenius.com connects interested persons with a lender or lending partner from its network of approved lenders and lending partners. Lendgenius.com does not control and is not responsible for the actions or inactions of any lender or lending partner, is not an agent, representative or broker of any lender or lending partner, and does not endorse any lender or lending partner. Lendgenius.com receives compensation from its lenders and lending partners, often based on a ping-tree model similar to Google AdWords where the highest available bidder is connected to the consumer. Regardless, Lendgenius.com’s service is always free to you.
This service is not available in all states. If you request to connect with a lender or lending partner in a particular state where such loans are prohibited, or in a location where Lendgenius.com does not have an available lender or lending partner, you will not be connected to a lender or lending partner. You are urged to read and understand the terms of any loan offered by any lender or lending partner, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
By submitting your information via this website, you are authorizing Lendgenius.com and/or lenders and lending partners in its network or other intermediaries to do a credit check, which may include verifying your social security number, driver license number or other identification, and a review of your creditworthiness. Credit checks are usually performed by one of the major credit bureaus such as Experian, Equifax and Trans Union, but also may include alternative credit bureaus such as Teletrack, DP Bureau or others. You also authorize Lendgenius.com to share your information and credit history with its network of approved lenders and lending partners.
Our lenders offer loans with an Annual Percentage Rate (APR) of 35.99% and below. For qualified consumers, the maximum APR (including the interest rates plus fees and other costs) is 35.99%. All loans are subject to the lender’s approval based on its own unique underwriting criteria.
Example: Loan Amount: $4,300.00, Annual Percentage Rate: 35.99%. Number of Monthly Payments: 30. Monthly Payment Amount: $219.36. Total Amount Payable: $6,581.78
Loans include a minimum repayment plan of 12 months and a maximum repayment plan of 30 months.
In some cases, you may be given the option of obtaining a loan from a tribal lender. Tribal lenders are subject to tribal and certain federal laws while being immune from state law including usury caps. If you are connected to a tribal lender, please understand that the tribal lender’s rates and fees may be higher than state-licensed lenders. Additionally, tribal lenders may require you to agree to resolve any disputes in a tribal jurisdiction. You are urged to read and understand the terms of any loan offered by any lender, whether tribal or state-licensed, and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Lender’s or Lending Partner’s Disclosure of Terms.
The lenders and lending partners you are connected to will provide documents that contain all fees and rate information pertaining to the loan being offered, including any potential fees for late-payments and the rules under which you may be allowed (if permitted by applicable law) to refinance, renew or rollover your loan. Loan fees and interest rates are determined solely by the lender or lending partner based on the lender’s or lending partner’s internal policies, underwriting criteria and applicable law. Lendgenius.com has no knowledge of or control over the loan terms offered by a lender and lending partner. You are urged to read and understand the terms of any loan offered by any lenders and lending partners and to reject any particular loan offer that you cannot afford to repay or that includes terms that are not acceptable to you.
Late Payments Hurt Your Credit Score
Please be aware that missing a payment or making a late payment can negatively impact your credit score. To protect yourself and your credit history, make sure you only accept loan terms that you can afford to repay. If you cannot make a payment on time, you should contact your lenders and lending partners immediately and discuss how to handle late payments.