Emergency Cash Loans - Apply Online Today!
Get a Loan To Cover Your Unexpected Bills Now
Emergency cash can act as a lifeline when you need money urgently for a household expense. With Dime Alley, you can borrow between 100 dollars and $35,000 and receive funds within one day. To start, simply click on ‘Apply Now’ below!
How To Apply for Emergency Cash and Get Funds in 24 Hours
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What is an Emergency Cash Loan?
An emergency cash loan provides you with money when you urgently need it. Unfortunately, life can hit you with unexpected and high costs that you haven’t had the foresight to save for.
For example, you may need to repair your car or pay for an unexpected medical or dental bill.
It is in cases such as these that Dime Alley can help you secure an emergency cash loan to tide you over in the short term.
Which US States Offer Emergency Cash Loans?
We provide loans in all of the US states, including the 37 states which approve payday loans in Texas, California, Nevada and many more.
In other states, you will be offered a range of products under 36% APR including title, personal, credit cards, credit unions and more.
Our role is to match the customer with the best loan product for them – allowing them to complete and get money for an emergency as quickly as possible.
We are proud to offer an instant decision, zero fees for applying and there is no impact to your credit score.
How Can I Repay My Emergency Cash Loan?
Repayments on your emergency loan of $500, $1,000 or $2,000 will be withdrawn from your checking account on the same day every month until you have paid off the loan and any outstanding interest. You and your lender will agree on this date together, but most opt to choose their pay day which is the last working day of the month.
You also have the option to repay your loan in installments, whether it is 3,6, 12 or 24, in equal monthly installments, helping you to spread the repayment and give you some breathing space to pay for your emergency.
Payments are made in equal amounts and you have the ability to pay your loan off early if you can. However, you should be clear on the repayment terms before deciding to alter your repayment plan.
Can I Apply for an Emergency Cash Loan With Bad Credit?
Yes, you can! It is always stressful when you find yourself in need of an emergency cash loan. That is why we try to mitigate that stress by assessing all applications, despite how perfect or imperfect your credit history may be.
Dime Alley work with a large panel of trusted lenders who lend to all kinds of customers to try and help them when they are in financial trouble. When you submit an application to Dime Alley, we will connect your application to one of our lenders who will offer you the best rates available to you, including those with loans with very bad credit score.
On top of your credit history, we consider a number of factors, such as your employment status, your income, your age, and how much you have requested to borrow.
Am I Eligible to Apply for an Emergency Cash Loan With Dime Alley?
Dime Alley’s application is completely online and free of charge. If your application is approved by one of our trusted lenders, we will receive a commission directly from them, so as to not land you with further costs.
You can fill out our online form and receive a decision immediately.
To fill out our online form, we will require some personal details, such as:
- A checking account
- How much you need to borrow
- How long you need your loan for
- Your employment status
- Contact details (email address and contact number)
- Your driver’s license number or State ID
Once you have submitted your application with Dime Alley, you can relax and wait to hear back from us. Should your application be approved, you can receive your emergency funds within the next working day!
What Can I Use My Emergency Cash Loan For?
You should carefully consider whether you really need emergency cash before applying for a loan with Dime Alley. While there are many unexpected costs that your emergency loan could be used for, there are a few costs that customers typically use these funds for. These include, but are not exclusive to covering medical bills, home repairs, vet bills or repairing a car.
Before applying for an emergency cash loan, you should consider how you will pay it off and have a repayment plan. If you fail to repay your loan in accordance with the terms of your contract, you can be hit with further fees and incur damage to your credit record. This can make it difficult to secure loans in the future, making repayments particularly important.
Why Should I Apply For an Emergency Cash Loan With Dime Alley?
When you are hit with unexpected costs, it can be a very demanding and stressful time. Dime Alley tries to make the borrowing process as stress-fee and fast-moving as possible.
Once you have submitted your application we aim to match you to the lender best suited to you the same day so that you can receive your funds within 24 hours of applying. All of our lenders are regulated, so you are in good hands when you apply for a loan with us.
We consider all applications for emergency cash loans, whether you have a perfect financial record or not. Having bad credit does not mean you won’t be able to secure a loan through Dime Alley.
Can I Use a Payday Loan For Emergency Cash?
Yes, payday loans are a possibility when considering emergency cash options. Payday loans are quick, accessible and can be secured within 24 hours of applying for one with Dime Alley. You can secure loans from as little as $100 and when necessary, loans of up to $35,000 are available.
What People Say About Us
“Personal and friendly, they did what they said they would do, I was approved for a loan although I have bad credit. It was just a short term thing, but has helped me and my family.”
Merryl, Texas, September 2021
“I need a loan to pay back a friend and it was all very quick and easy to get a couple of hundred bucks which I repaid over a couple of weeks.”
Malik, California, December 2022
“I found the experience overall easy to use. I had to sign an agreement online and all the terms were there and very clear. I would do it again if I needed some money.”
Imani, Georgia, March 2021
Frequently Asked Questions
How Long Can I Get an Emergency Cash Loan For?
Although emergency cash loans are typically used for shorter periods, you can get an emergency cash loans for anywhere between 1 and 60 months, depending on your needs.
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How Much Can I Borrow?
With Dime Alley, you could find payday loans ranging from $100 to $35,000 – with the amount you can borrow based on factors like your monthly income, credit status and affordability.
Other things come into play too, including your residence (homeowners are often preferred), age and whether you have any other similar loans open too.
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Can I Get An Emergency Cash Loan While Unemployed?
It can be trickier to get an emergency cash loan loan if you are unemployed, and it is usually more difficult than getting a loan while you have steady income from a job.
However, for the 6.88 million unemployed US citizens there are alternatives to emergency cash loans, such as Credit Union loans, which offer low APR rates of around 8.86%.
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Am I Charged a Fee For Using Dime Alley?
No! We will never charge fees for using our service.
Instead, we take a fee or commission from the lender if your application is approved and successful. The lenders will charge a daily or monthly interest if your loan is active and this will be presented to you in writing before you proceed.
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Can I Get An Emergency Cash Loan With No Credit Check?
Dime Alley will consider those looking for no credit check loans, but note that a credit check is usually carried out for all customers.
However, it is important to note that we only conduct soft credit searches when you apply which have no impact and leave no footprint on your credit score!
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Is Dime Alley a Broker or Lender?
Dime Alley is a broker, meaning that if you’re approved, we don’t provide the funds for your loan directly. Instead, we connect you to a lender best suited to your situation from our trusted panel.
Do not worry though, your information is completely secure and will not be sent or shared with any other companies or third parties and we certainly will not charge you anything for using our service.
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