Need Money Quickly?
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 1191 customer reviews

Great service




Review of Wise Loan

HoustonTX77042 29.725-95.5575

Response from Wise Loan:

Cleo, 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 [email protected]. Best regards, Wise Loan


Excellent Service!




Review of Wise Loan

Working with Robbie has been great and I am very grateful for all his help.

ClaytonDE19938 39.25-75.7025

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 [email protected]. Best regards, Wise Loan


excellent service




Review of Wise Loan

Always a pleasure

KleinTX77379 30.0325-95.53

Response from Wise Loan:

Selina, 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 [email protected]. Best regards, Wise Loan


Muy bien servicio




Review of Wise Loan

KatyTX77449 29.825-95.75

Response from Wise Loan:

Edgar, 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 [email protected]. Best regards, Wise Loan


Excellent service!




Review of Wise Loan

DonnaTX78537 26.2475-98.0725

Response from Wise Loan:

Juan, 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 [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Excellent service

LevellandTX79336 33.6225-102.3475

Response from Wise Loan:

Pablo, 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 [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Very curtious

LevellandTX79336 33.6225-102.3475

Response from Wise Loan:

Pablo, 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 [email protected]. Best regards, Wise Loan


very good




Review of Wise Loan

very pleased he nice and helped me with my question

CentervilleUT84014 40.9225-111.87

Response from Wise Loan:

Jordan, 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 [email protected]. Best regards, Wise Loan


5 star service




Review of Wise Loan

WilmingtonDE19801 39.7325-75.545

Response from Wise Loan:

Darryl, 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 [email protected]. Best regards, Wise Loan


Excellent service




Review of Wise Loan

Awesome experience, would definitely recommend

San AntonioTX78251 29.465-98.6775

Response from Wise Loan:

Adriana, 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 [email protected]. Best regards, Wise Loan


Excellent Service!




Review of Wise Loan

Wise Loan is a great service, and always there to help if you are having trouble with payments. Great place!

New OrleansLA 29.95-90.0725

Response from Wise Loan:

Mario, 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 [email protected]. Best regards, Wise Loan


Great customer w




Review of Wise Loan

BrenhamTX77833 30.235-96.365

Response from Wise Loan:

Monty, 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 [email protected]. Best regards, Wise Loan


Excellent Service!




Review of Wise Loan

Excellent Customer Service. Olga was extremely helpful and courteous.

WeatherfordTX76088 32.81-97.8375

Response from Wise Loan:

Teresa, 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 [email protected]. Best regards, Wise Loan


Excelente 👌




Review of Wise Loan

EXCELLEN

HoustonTX77072 29.6975-95.5975

Response from Wise Loan:

Alexander, 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 [email protected]. Best regards, Wise Loan


Excellent Service




Review of Wise Loan

My experience this morning was very helpful and a pleasant conversation was helped greatly

HuntsvilleTX77320 30.825-95.52

Response from Wise Loan:

Alice, 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 [email protected]. Best regards, Wise Loan


Trent T.

Trent T.

I will be sending you a review request in reference to my service today. Your response will be sent to our higher management on how I am performing. If you have any free time to complete it, I would greatly appreciate it.

Near Park Blvd, Grapevine, TX 76051
ROBBY G.

ROBBY G.

Near East Carbon, UT 84520
ROBBY G.

ROBBY G.

Near Clayton, DE 19938
ROBBY G.

ROBBY G.

Near Houston, TX 77084
ROBBY G.

ROBBY G.

Near Brookside Village, TX 77581
ROBBY G.

ROBBY G.

Near Savannah, MO 64485
ROBBY G.

ROBBY G.

Near Leipsic, DE 19901
Jude C.

Jude C.

Near CORP CHRISTI, TX 78412
ROBBY G.

ROBBY G.

Near Houston, TX 77042
ROBBY G.

ROBBY G.

Near Magnolia, TX 77354
ROBBY G.

ROBBY G.

Near Prairie du Chien, WI 53821
Jude C.

Jude C.

Near Klein, TX 77379
Jude C.

Jude C.

Near Katy, TX 77493
Jude C.

Jude C.

Near Pine Island, TX 77445
Olga S.

Olga S.

Near Circulo Dr, Lago Vista, TX 78645
Trent T.

Trent T.

I will be sending you a review request in reference to my service today. Your response will be sent to our higher management on how I am performing. If you have any free time to complete it, I would greatly appreciate it.

Near Dutton Dr, New Castle, DE 19720
ROBBY G.

ROBBY G.

Near Grand Prairie, TX 75051
Trent T.

Trent T.

I will be sending you a review request in reference to my service today. Your response will be sent to our higher management on how I am performing. If you have any free time to complete it, I would greatly appreciate it.

Near E 3rd Ave, Stanley, WI 54768
Jude C.

Jude C.

Near Katy, TX 77449
Jude C.

Jude C.

Near Sheboygan, WI 53081
Trent T.

Trent T.

I will be sending you a review request in reference to my service today. Your response will be sent to our higher management on how I am performing. If you have any free time to complete it, I would greatly appreciate it.

Near Blow St, St. Louis, MO 63116
Trent T.

Trent T.

I will be sending you a review request in reference to my service today. Your response will be sent to our higher management on how I am performing. If you have any free time to complete it, I would greatly appreciate it.

Near Elsie Faye Heggins St, Dallas, TX 75215
Jude C.

Jude C.

Near Independence, MO 64050
Jude C.

Jude C.

Near Fort Worth, TX 76111
ROBBY G.

ROBBY G.

Near Kansas City, MO 64154

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.

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