Emergency Cash

Emergency Cash


489.4% APR

Representative Example: On an assumed loan amount of £750 over 12 months. Rate of interest 191.2% (fixed). Total repayment amount £1726.68 and total interest is £976.68. 12 monthly payments of £143.89. My Financial Broker is a broker, not a lender*.

* As a broker, we are unable to ascertain exactly how many customers take out a loan or the lender’s rate of interest particular to that customer, therefore our calculation is based on the mean APR of our panel of lenders.


Emergency cash loans are designed to provide an immediate injection of cash to help pay for urgent or emergency expenses. There are always times in our lives where we have increased expenses! Being able to access money upfront can help pay off your pressing bill, and provide some much needed breathing space.

My Financial Broker works with a large number of lenders who are fully equipped to provide emergency cash loans within 1 hour. Our entire loan application is completed online, and shouldn’t take more than 5 minutes. Once you have filled in the requested details, we will match your loan enquiry with the lender most likely to accept it. You simply need to enter your details and you will receive an instant decision on the screen. If your application is successful, our lenders are typically able to transfer funds as soon as possible.

Why Would You Need an Emergency Cash Loan?

There are a number of scenarios where emergency loans are required including:

  • Pressing bills (credit cards, rent)
  • Utility bills (heat, water, gas)
  • Council tax
  • Car repairs
  • Home repairs
  • Medical bills
  • Child expenses
  • Stuck abroad

Many people try their best to put money away for a rainy day. Experts suggest that you set aside at least 3 months salary for emergency purposes. However, we can never be sure when an emergency will strike, and how much it can potentially cost us!

Whether it is a car repair, home plumbing emergency or a leak coming through the ceiling, these are the type of thing that you ideally want to get fixed immediately. To give an example, Autocar states that the average unexpected car bill in the UK costs £603 – and this can be quite daunting for the average UK motorist. This is where emergency cash comes in.

With the direct lenders we work with at My Financial Broker, you can receive funds on the same day, directly to your bank account. This will allow you to pay off your pressing bill or hire someone to fix it. Our lenders can offer a range of repayment options, over 3 to 24 months, to give you some flexibility to pay off your bill when you have got your finances back on track.

I Need an Emergency Loan – What is the Criteria?

To be eligible to apply for an emergency loan with My Financial Broker, applicants must meet the following criteria:

  • Over 18 years of age
  • UK resident full-time
  • Employed and working in the UK
  • Valid mobile phone and debit account
  • Bad credit considered (but no recent CCJs or IVAs)
  • Able to afford monthly repayments
  • No guarantor required (unless stated)

How Can I Get Money Quickly For an Emergency?

To apply for emergency money, simply click on the apply now button below, and you will be taken to our application form. This should only take a few minutes to be completed. You will receive an instant decision, letting you know if you have been provisionally accepted or not. You can then choose if you would like to proceed with the loan offer available.

Get Your Information Ready

Our application form asks for some basic information such as your name, residence, DOB, monthly income and expenses, as well as your debit card details. Rather than rummaging through your drawers and filing cabinets, it can be handy to have this information readily available – and this will allow you to move things along quicker.

Make Yourself Available

The lender you have matched with may require a follow up phone call to confirm your details, or request some more information such as proof of income. If you are sitting in front of your computer and next to your phone, you will be able to react quickly and provide the necessary information to speed up your application.

Apply During Regular Office Hours

Whilst you can apply 24 hours a day, 7 days a week, you will certainly maximise your chances of being funded on the same day if you can apply during a weekday and can avoid weekends and bank holidays.

Most of the lenders we partner with will have staff available on the weekends and be able to fund on Saturdays. However, most lenders run payment cycles every few hours, and these are less frequent on the weekends. So if you are looking for emergency cash on the same day, you are better off applying Monday to Friday, during regular business hours.