Best Emergency Loans for 2022

Are you in search of the best emergency loans for 2022? You’re in luck! We have compiled a list of the top lenders for emergency borrowing. Whether you need money for an unexpected car repair or to cover your rent after losing your job, we have you covered. Read on for our recommendations for the best emergency loans available now.

Best Emergency Loans for 2022


PenFed is a great option for emergency loans because they offer low rates and flexible terms. You can borrow up to $25,000 with PenFed and the interest rate will depend on the length of your loan. You can choose from 3, 5, or 7-year terms. PenFed also offers a 0.25% rate discount if you set up autopay. In addition, PenFed has no origination fees or prepayment penalties. This makes it a great option if you need money for an emergency.


When you have an emergency and need cash fast, Oportun can be a good option. Oportun offers emergency loans of up to $1,000 for qualified borrowers. The application process is quick and easy, and you can get funds as soon as the next business day if approved. 

One thing to keep in mind is that Oportun emergency loans have higher interest rates than some other options, so you will need to carefully consider whether this is the right choice for you. However, if you need cash fast and have limited options, Oportun is worth considering when you opt for emergency loans and fast cash.

Rocket Loans

Emergencies don’t always allow for planning and saving. That’s where emergency loans come in, helping you to cover unexpected costs and get through tough times. When it comes to emergency loans, Rocket Loans is the best option. They offer several advantages that make them the best emergency loan option, including their fast application process, flexible repayment options, and competitive interest rates. 

Applying for a loan with Rocket Loans is quick and easy, so you can get the cash you need fast. And if you need more time to repay your loan, they offer flexible repayment plans that can fit your budget. Plus, with interest rates that are lower than many other lenders, Rocket Loans is a great option for emergencies. So if you’re looking for an emergency loan, Rocket Loans is an option to consider.

OneMain Financial

OneMain Financial is a leading provider of emergency loans. They offer a variety of emergency loan options, including personal loans, auto loans, and home equity loans. OneMain Financial has several advantages that make them the best emergency loan provider. 

First, they offer competitive rates on all of their emergency loan products. Second, they have a wide network of branches and ATM locations, making it easy to access your emergency loan funds when you need them. Third, OneMain Financial offers a variety of repayment options, so you can choose the plan that best fits your needs. 

Finally, OneMain Financial has a strong reputation for providing excellent customer service. If you’re looking for an emergency loan, OneMain Financial is a great option to consider.

Possible Finance

Emergency loans from Possible Finance have a few things that separate them from other emergency loans. One is that they have a very low APR – often around 10%. That’s much lower than what you’ll find with most emergency loans, which can have APRs approaching 30%. Another thing that separates Possible Finance emergency loans is that they’re very flexible when it comes to repayment. 

You can choose to repay your loan over 3 months, 6 months, or 12 months, and you can make early payments without penalty. Finally, Possible Finance emergency loans are available to people with a wide range of credit scores. 

So if you have less-than-perfect credit, you may still be able to qualify for a loan from Possible Finance. When it comes to emergency loans, they’re one of the best options out there.

Best Egg

Best Egg is the best emergency loan because of its low APR and rates. With Best Egg, you can get an emergency loan with an APR as low as 5.99%. You can also get a rate as low as 0.99% for a term of 36 months. That makes Best Egg one of the most affordable emergency loans on the market. 

In addition, Best Egg offers a variety of repayment options, so you can choose the plan that best fits your needs. Whether you need a short-term loan to cover an unexpected expense or a long-term loan to consolidate debt, Best Egg can help.


Although it is important to be prepared for an emergency, taking out a loan should always be your last resort. If you are considering a loan as a way to cover unexpected expenses, be sure to do your research and compare interest rates and terms from different lenders. By shopping around and being smart about how you borrow money, you can find the best emergency loans for your needs.