Online loans for emergencies$100 – $5,000All credit types considered
Begin your request
$100 – $5,000 · funds as soon as the next business day, if approved
256-bit SSL · Checking your options won't affect your credit score · Free, no obligation
- Secured by SSL
- No cost to check
- Soft credit inquiry
- Made for your phone
When the month rocks the boat before payday.
BallastWorth is not a lender. One request for $100 – $5,000 goes to a network of lenders. Checking your options won't affect your credit score.
Sound familiar?
Rough water this month?
- The washer flooded the floor.
- A wisdom tooth that won't wait.
- Bills due before your direct deposit.
- The car insurance renewal.
- A shift swap that cost you hours.
- No cushion left to fall back on.
One request for $100 – $5,000 to lenders in our network. Some lenders fund as soon as the next business day, if approved.
See my optionsHow it moves
Three steps to calmer water
No branch visit. No paperwork pile. Just your phone.
- 01
Request
Pick an amount. Answer a few questions. A few minutes, start to finish.
- 02
Match
Lenders in our network review your request on their own terms.
- 03
Decide
Read any offer's rate, fees and dates. Accept it, or don't.
Speed, honestly
How fast funding really works
- Your requestA few minutes on your phone.
- A lender's answerOften within minutes. Sometimes longer.
- The depositAs soon as the next business day, if approved.
- WeekendsBanks pause deposits. Plan for the next business day.
Online loans for emergencies
Steady in any weather.
Lenders in our network lay out their terms before you sign. Nothing rushed.
Before you start
Who can send a request
You'll usually need
- To be 18 or older and living in the US
- Regular income from work or benefits
- An active checking account in your name
- A phone number and email you use
Good to know
- Checking your options costs nothing
- Bad credit doesn't stop a request
- APRs vary by lender and can be high, sometimes over 200%
- Availability and terms vary by state
Questions
Online loans for emergencies, explained
How much can I request?
Anything from $100 to $5,000. A lender may offer a different amount after its own review.
Does checking my options affect my credit score?
No. Checking your options won't affect your credit score. Lenders in our network may check your credit, including with alternative credit bureaus, when they review your request.
How fast could funds arrive?
That depends on the lender and your bank. Some lenders fund as soon as the next business day, if approved. Any offer shows its timing before you agree.
What do I need to apply?
You need to be 18 or older and a US resident, with regular income, an active checking account in your name, and a phone number and email you use.
Can I get online loans for emergencies with bad credit?
Lenders in our network consider all credit types. A lower score can mean fewer offers or different terms, and approval is never certain, but it does not stop you from sending a request.
Is BallastWorth a lender?
No. BallastWorth is a referral service, not a lender. We pass your request to lenders in our network, and any offer comes from the lender, on the lender's terms.
Steady the week with one request.
One request. $100 – $5,000. Lenders in our network take it from there.
Start my request