evidence: Emergency loans are personal loans you use to pay for urgent, unexpected expenses such as medical care or home repairs. These loans are usually funded fast, and some lenders accept consumers with bad credit scores (typically between 550 and 629). Compare personal loans and other ways to get cash if you urgently need funds, especially if you have bad credit. [...] An emergency loan is a personal loan you get to cover an urgent expense. Emergency loans are often unsecured and don't require collateral; instead, the lender uses your financial information, including credit, income and other debts, to decide whether to offer you a loan and at what interest rate. [...] Emergency loans have annual percentage rates from about 6% to 36% and loan amounts from $1,000 to $100,000. Lenders typically have minimum credit score and maximum debt-to-income ratio requirements for personal loans.