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Rates range from 5.99% to 35.99% APR for qualified applicants. Repayment terms span 91 days to 72 months.
See full rate disclosureGetting funded is straightforward
Answer a few short questions and your request is shared with lenders in our network. Most people who qualify hear back the same day, with approved funds sent straight to their bank account.
Our short online form takes about two minutes to complete.
A lower credit score does not automatically rule out an offer.
Approved funds are typically sent straight to your bank account.
AmericanEmergencyFund was designed to be your fast & simple money solution to get a loan in any situation. By providing your information in our secure online form, we can help get you the loan you want. We have extensive partnerships with large authorized lenders allowing us to provide our free service in almost all 50 states from the privacy of your own home.
Under two minutes for most people. You will need your contact details, employment information and bank account details for the deposit.
Submitting a request costs nothing and carries no obligation. You are free to review what comes back and decline it.
Requests from all credit backgrounds are accepted. Credit history is one factor among several, not an automatic no.
Once an offer is accepted and finalised, funds are sent directly to your bank account. Timing depends on your bank and when the request is completed.
Figures below are illustrative only. Your actual rate, term and payment will depend on the lender and your application.
| Loan amount | APR | Term | Monthly payment | Total repaid |
|---|---|---|---|---|
| $1,000 | 24% | 12 months | $94.56 | $1,134.72 |
| $3,000 | 18% | 24 months | $149.75 | $3,594.00 |
| $5,000 | 14% | 36 months | $170.90 | $6,152.40 |
| $10,000 | 9% | 60 months | $207.60 | $12,456.00 |