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Wise Loan’s Emergency Loans Online Can Help.

Online emergency loans could be your lifeline during unexpected times when you’re short on funds.

  • Super Fast Loan Decision
  • Instant or Same-Day Funding
  • Positive Payment History Reported to the Credit Bureaus

Join the growing list of satisfied customers who have received help paying for unexpected expenses.

Hear From Our Customers


Reviews

Wise Loan Rated 4.8 out of 5 stars based on 1550 customer reviews

Customers say: The reviews exhibit a positive sentiment, with a majority of customers expressing satisfaction with the services provided. Positive reviews frequently mention friendly and helpful customer service, quick and easy payment plans, and professional and responsive staff. Customers also appreciate the flexibility offered in payment options and the ability to resolve issues efficiently. Negative reviews are present but are outweighed by the positive ones. The negative reviews primarily focus on minor inconveniences or misunderstandings, such as disconnected calls or longer-than-expected wait times. However, the overall tone remains positive, with customers praising the helpfulness and professionalism of the staff.


Excellent




Review of Wise Loan

She helped me with my request and understanding

PerryvilleMO63775 37.68-89.8875

Response from Wise Loan:

Gloria, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Thanks Jude!




Review of Wise Loan

HoustonTX77057 29.75-95.4925

Response from Wise Loan:

Chris, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent service




Review of Wise Loan

CarbonTX76435 32.205-98.8575

Response from Wise Loan:

Kathleen, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent




Review of Wise Loan

Sullivan CityTX78595 26.3175-98.56

Response from Wise Loan:

Saul, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

Baton RougeLA70817 30.375-90.9725

Response from Wise Loan:

Traylynn, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


NO.1 AWESOME SERVICE




Review of Wise Loan

Wise Loan is awesome! I have been with them for 5 years or so. Very nice customer service, and if you have some issues with making a payment, you speak.with Mr. Jude or Mr. Robbie. No ugliness, always helpful to get you back on track!

HockleyTX77447 30.0525-95.835

Response from Wise Loan:

Ruthie, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent service




Review of Wise Loan

CypressTX77433 29.965-95.75

Response from Wise Loan:

Renise, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Quick loans was quick and easy payment plan

DeSotoTX75115 32.6-96.8575

Response from Wise Loan:

Tarsha, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Amazing service




Review of Wise Loan

Very polite and patient.

HoustonTX77040 29.875-95.525

Response from Wise Loan:

Willa, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

Jude assisted me in resolving my issue in an expeditious manner. He was very professional.

LucasTX75002 33.105-96.6425

Response from Wise Loan:

Joann, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Great Service




Review of Wise Loan

He is AMAZING!!! Great customer service!!! Answered all my questions.

HoustonTX77073 29.99-95.405

Response from Wise Loan:

Brynisha, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Awesome service




Review of Wise Loan

Awesome service

Port ArthurTX77640 29.9075-94.015

Response from Wise Loan:

Richard, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excellent job




Review of Wise Loan

McKinneyTX75070 33.16-96.68

Response from Wise Loan:

Deborah, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


excellent service




Review of Wise Loan

WeatherfordTX76086 32.7525-97.79

Response from Wise Loan:

Loma, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Excelente 👌




Review of Wise Loan

Gracias

HarlingenTX78552 26.215-97.7425

Response from Wise Loan:

Evelyn, thank you for taking the time to provide your experience. We value your insights and strive to go the extra mile to assist you. If we can be of further assistance, please do not hesitate to contact us directly at (800) 516-7840 or email hello@wiseloan.com. Best regards, Wise Loan


Rey T.

Rey T.

Near Wardsville, MO 65101
Rey T.

Rey T.

Near Wardsville, MO 65101
Rey T.

Rey T.

Near Saint Catharine, MO 64628
Rey T.

Rey T.

Near Saint Catharine, MO 64628
Rey T.

Rey T.

Near Richardson, TX 75081
Rey T.

Rey T.

Near Richardson, TX 75081
Rey T.

Rey T.

Near Baton Rouge, LA 70809
Rey T.

Rey T.

Near Baton Rouge, LA 70809
Sheena U.

Sheena U.

Near Perryville, MO 63775
Sheena U.

Sheena U.

Near Perryville, MO 63775
Sheena U.

Sheena U.

Near Marionville, MO 65705
Sheena U.

Sheena U.

Near Marionville, MO 65705
Sheena U.

Sheena U.

Near Zachary, LA 70791
Sheena U.

Sheena U.

Near Zachary, LA 70791
Sheena U.

Sheena U.

Near Houston, TX 77026
Sheena U.

Sheena U.

Near Houston, TX 77026
Jude C.

Jude C.

Near Harker Heights, TX 76548
Jude C.

Jude C.

Near Bossier City, LA 71111
Jude C.

Jude C.

Near Houston, TX 77057
Jude C.

Jude C.

Near Groves, TX 77619
Jude C.

Jude C.

Near Balch Springs, TX 75181
Jude C.

Jude C.

Near Houston, TX 77038
Sheena U.

Sheena U.

Near Arcadia, LA 71001
Sheena U.

Sheena U.

Near Belle Chasse, LA 70037
Sheena U.

Sheena U.

Near Belle Chasse, LA 70037

Member of

What is an Emergency Loan?


An emergency loan is a personal loan for unforeseen circumstances that demand immediate attention. It’s a short-term solution that bridges the gap between unexpected expenses and your next paycheck or source of income. These loans provide a quick means of securing funds up to $1,500, often bypassing the lengthy approval processes associated with traditional loans, and they are available even to those with bad credit.

Emergency online loans have transformed how people access urgent financial aid. With a few clicks, you can apply and secure funds for pressing needs, be it a medical bill looming over the horizon, a car broken down at an inopportune time, or any other unplanned expenditure. The online approach prioritizes speed and convenience, ensuring you’re safe during tough financial times.

How It Works

Securing a loan online for emergency situations is as easy as 1-2-3.

1

Apply for a Loan

Begin your journey with our user-friendly loan application, taking less than 5 minutes of your time. You must have a checking account to apply.

2

Receive a Loan Decision

Say goodbye to lengthy decisions. Experience a loan decision within minutes to an hour of your application.

3

Get Funds

Whether it’s same-day, instant, or next-day funding, we ensure you get your funds as a lump sum when you need them the most. You must have direct deposit to receive funds.

Why Choose Wise Loan?

When it comes to online lenders, Wise Loan stands out. Not only do we provide a seamless application process and rapid decisions, but our commitment to helping customers build a healthy financial future sets us apart from the rest. We report payments to Experian and Equifax to help improve your credit. We also reward on-time payments through our Nest Egg program.

Wise Loan is here to help improve your financial health and well-being.

What Can I Use an Emergency Loan For?


Emergency loans cater to urgent financial needs like medical, auto, and home repairs. Whether it’s an unforeseen bill, an essential purchase, or any other sudden expense, these loans provide a timely financial cushion. Different types of loans include:

Medical Loans

Tackle medical expenses head-on. With our medical loans, prioritize your health without compromise.

Auto Repair Loans

Navigate vehicle breakdowns without a hitch. Get back on the road quickly with our auto repair loans.

Home Repair Loans

We have your back for unforeseen home damages. Our home repair loans are here to help.

Funeral Loans

Ensure a respectful farewell without the burden of expenses. Find solace with our funeral loans.

Moving Loans

Forced to relocate unexpectedly? Simplify your transition with our specialized moving loans.

Vet Loans

Pets are part of the family. Meet their immediate health needs with our dedicated vet loans.

We Proudly Serve These Locations

Wise Loan proudly serves the following locations:

Emergency Loan FAQs

How Can I Borrow Money Fast in an Emergency?

Wise Loan provides a streamlined online process to borrow money quickly when faced with a financial emergency. Start by filling out our simple online application. Once submitted, we review your application and provide a decision in minutes to an hour. If approved, funds can be instantly transferred to your account, ensuring you get the emergency cash you need without unnecessary delays.

How Can I Pay Back an Emergency Loan?

Paying back your emergency loan with Wise Loan is designed to be as hassle-free as the application process. We offer flexible repayment options in the form of installments. You can choose from various repayment options: weekly, biweekly, or monthly. Our transparent loan terms mean there are no hidden fees or surprises.

What is the Process to Apply?

When you apply for an emergency loan online, you will experience a seamless three-step process. Start by filling out our online application, which takes less than five minutes. Once completed, you’ll receive a decision within minutes to an hour. If approved, funds can be transferred to your account instantly or by the next business day, depending on your application time and eligibility criteria.

What are the Most Common Ways to Get Emergency Cash Quickly?

While emergency cash loans from Wise Loan are a reliable way to get cash fast, other methods exist. Many people turn to payday loan online lenders for quick cash, often with high fees. Credit card cash advances are another option but can have high-interest rates. Borrowing from friends or family might be feasible for some, but it’s essential to ensure that the lending terms are clear to avoid misunderstandings.

What Credit Score Do I Need?

At Wise Loan, everyone should have access to emergency funds when they need them. While having a good credit score can be beneficial, it’s not the sole criterion we consider. We evaluate multiple factors, including your current financial situation and employment status. So, even if your credit score isn’t perfect, we encourage you to apply as we consider a broader picture of your financial health.

Who Typically Qualifies for an Emergency Loan?

Most adults with a consistent source of income, valid identification, and who meet specific state requirements can qualify for an emergency loan with Wise Loan. While credit scores play a role in the decision-making process, we also look at other financial indicators and your repayment ability. We aim to assist as many individuals as possible, ensuring they get the financial support they need during emergencies.

Resources

Apply for an Emergency Loan Today