evidence: An emergency loan is certainly an option if you need cash right away. Some lenders, however, prey on those who might not have stellar credit and need fast funding. Look for the best emergency loans from reputable providers and avoid companies that say they’ll bypass credit checks or similar tactics to avoid falling into a predatory loan scenario. Recap of Our Picks for the Best Emergency Loans - LightStream Personal Loans Review: Our top pick - SoFi Personal Loans Review: Best customer service - PenFed Credit Union Personal Loans: Best for small loans - Discover Personal Loans Review: Best for low rates - Upstart Personal Loans Review: Best for bad credit - U.S. Bank Personal Loans Review: Best for bank switchers - Upgrade Personal Loans Review: Best discounts - Wells Fargo Personal Loans: Best for in-person service [...] Emergency loans might be a good option if you need to borrow money immediately and you’ve exhausted all your other financial options. An emergency loan is still a loan, of course, so you’ll need to make sure you can responsibly pay it back before completing an application and accepting the terms.