

Emergency Loans
At Western Shamrock, we understand how emergencies can arise unexpectedly and throw everything off balance in your life. Our emergency loans are quick, reliable solutions when you need emergency money.
- Need emergency cash? Apply now!
- Bad credit? Get approved today!
- Secure your emergency expense loan!

What Are Emergency Loans?
Emergency loans are personal loans that you can use to pay for any type of unexpected costs. Emergency lending is available from online lenders, banks, and credit unions. Western Shamrock can even help you with emergency loans for bad credit.
You might look for emergency same-day loans due to an injury, family tragedy, sick pet, or business setback. An emergency loan may help you handle urgent house or car repairs so you have a reliable residence and transportation.


How Do Emergency Loans Work?
In urgent situations, emergency same-day loans are possible. You can apply online through our website or by visiting or calling your local Western Shamrock branch.
When you take out an emergency loan, you repay your lender in fixed installments. You and your lender agree upon the loan terms and duration. The duration of repayment period varies but must be completed in a minimum of five separate scheduled installments. Dividing the payments into installments makes your loan affordable when you need emergency money.

Emergency Loan Considerations and Requirements
To apply for our emergency loans, you must provide a valid government-issued ID, such as a driver’s license or passport. We’ll also need proof of residency, such as a signed lease or utility bill, and proof of income, such as a tax return or pay stub.
Our emergency loan amounts typically go up to $3,660, depending on the state you live in. Anyone applying for emergency lending must be at least 18 years old and cannot be active in the military or a military dependent.
We consider many factors when making emergency loan decisions, including your full credit history, income, and available collateral. You may make payments on your emergency loan via debit card, money order, check, or cash.


How to Choose the Right Loan Option
Emergency loans may come with better interest rates and are favorable if you have a high credit score. However, it’s still worth seeing if you qualify for emergency loans for bad credit. An emergency loan provides quick access to funds and flexibility in how you can use the emergency money.
However, taking out any type of emergency loan can have long-term financial impacts, so it’s important to recognize the potential drawbacks of same-day emergency loans.
For example, emergency loan interest rates and fees may be more than you can afford in your budget. If you can’t keep up with emergency loan payments, you could harm your credit and become overwhelmed by the additional debt load. Options like medical bill payment plans, credit cards, and emergency savings accounts may be alternatives to emergency loans.
Other Installment Loans You Might Be Interested In
Personal loans can boost your credit and improve your future purchasing power. Apply now for a credit-starter loan to establish your credit and show lenders you can borrow responsibly.
Combine multiple high-interest debts into one convenient, affordable monthly payment. Apply today to simplify and streamline your monthly bills.
Educational costs are expensive and often more than what federal and private student loans cover. Apply now for a school expense loan for a bright future ahead.
Expensive rent and mortgage costs lead many people to search for personal loans to pay for housing. Apply now for help keeping up with your lease or mortgage payments.
Western Shamrock offers installment loans to help you make your car payments on time and afford other vehicle expenses for repairs. Apply now for car expense loans to secure your transportation.

Holidays are festive but can also be expensive. Apply today for a holiday loan to help pay for gifts, decorations, and holiday events.
If you or a loved one are suffering from an illness or injury, installment loans for medical costs can help you keep up with the bills. Gain peace of mind during treatment with a personal loan for medical bills.
You deserve a vacation, but travel costs may be beyond your budget. Our vacation and travel loans can help you plan the trip of a lifetime.
Common Questions About Emergency Loans
Consider the urgency of your situation and other financial resources you have available. An emergency loan may be the right fit if you have an urgent, unavoidable expense and can afford the monthly repayments.
Many of our customers use emergency same-day loans for unplanned medical expenses, urgent car and home repairs, and travel for family emergencies. Others find our emergency loans helpful for urgent legal fees and rent and utility costs after a job loss.
Emergency loans are a quick type of financing that gives you prompt access to cash during an unexpected financial situation.
As alternatives to emergency loans for bad credit, you could consider using your emergency savings account (if you have one) or borrowing money from family or friends. You could also use a credit card, negotiate a payment plan with a provider, or seek government or community resources.
Getting an emergency loan with no credit or bad credit may be possible. However, you may need to back up your loan with collateral or get a co-signer.
If you have a steady income stream other than a traditional job, please provide us with proof of that income to demonstrate your ability to repay your loan from different sources.
Emergency loans impact a borrower’s credit, but that impact can be positive or negative, depending on how you handle them. On-time emergency loan payments help boost your credit score and diversify your credit mix. However, missed and late payments harm your credit and can lower your credit score.
Yes, applying for emergency lending requires a credit check, which can temporarily lower your credit score. However, it should bounce back once you make steady, on-time payments on your loan. To minimize the credit impact, look for prequalification options for a soft rather than a hard credit check.
You are welcome to begin the emergency loan application process online. However, in most cases, you will need to come into a local branch to provide additional documentation and finalize the application.
We understand the urgency involved in applying for same-day emergency loans and will do everything we can to get your money to you right away. Some of our customers receive their funds within just 30 minutes of us reviewing their applications.