Car won't start, ER bill, a flight you have to take. An emergency loan isn't a separate product — it's the fastest loan you qualify for, matched to your situation in one application, with funding the same day.
Same-day funding has one rule: the 3 PM Eastern cut-off for bank deposits. In store there is no cut-off — cash until close.
One form. We check income and, depending on the loan, run a soft inquiry. Most decisions come back in minutes.
You see the loan type, amount, term and full cost. Accept, or pick a different option from the same screen.
Accept before 3 PM ET and the ACH deposit lands in your account the same business day, usually by 5 PM.
Walk in until close. Payday, title and pawn loans are funded in cash at the counter in 10–30 minutes, no cut-off.
Different emergencies, different fastest routes. Here's how we match in practice.
An emergency loan is funded as one of our standard products, so it carries that product's rate. Here's the same-day lineup by state.
| Loan | Amount | Funding | Cost basis |
|---|---|---|---|
| Payday | $200–$500 | 15 min in store | $10/$100 + $4 |
| Installment | $500–$5,000 | Deposit by 5 PM | 89–119% APR |
| Pawn | $200–$5,000 | 10 min in store | 25% / 30 days |
| Bad credit | $500–$3,000 | Deposit by 5 PM | 59–79% APR |
No title loans or lines of credit in Florida.
| Loan | Amount | Funding | Cost basis |
|---|---|---|---|
| Title pawn | $500–$5,000 | 30 min in store | 25% / 30 days |
| Installment | $500–$5,000 | Deposit by 5 PM | 89–129% APR |
| Pawn | $200–$5,000 | 10 min in store | 25% / 30 days |
| Line of credit | $200–$3,000 | Draw in minutes | 0.65–0.75% / day |
No payday loans in Georgia.
| Loan | Amount | Funding | Cost basis |
|---|---|---|---|
| Payday | $200–$500 | 15 min in store | 17.5% |
| Title | $500–$5,000 | 30 min in store | 25% / month |
| Installment | $500–$5,000 | Deposit by 5 PM | 99–149% APR |
| Line of credit | $200–$3,000 | Draw in minutes | 0.70–0.80% / day |
Full lineup. Age 19+.
Personal loans (17.99–35.99% APR) fund the next business day and aren't listed as same-day — but if you can wait until tomorrow and have fair credit, they're the cheapest choice. Loans subject to approval, state law and your written agreement.
Speed costs money. Every same-day product here is more expensive than the next-day personal loan — worth it when the clock matters, not worth it when it doesn't.
Sixty seconds on these can cut the cost of an emergency loan in half.
If the bill is due Friday and it's Tuesday, a personal loan funded Wednesday costs a fraction of a same-day product. If the car is on a tow truck now, it's today.
Borrow the invoice, not a round number. On a payday loan every extra $100 costs $14; on a title loan it's $25 per month. Bring the estimate or bill and we'll size the loan to it.
One application asks what you need, when, and what you have. We show every loan you qualify for, sorted by funding speed, with the full cost of each. You choose. Nothing is sold to another lender and you're never pushed to a pricier product.
Both are today. Pick by where you are and what time it is.
| Feature | Online, same-day deposit | In store, cash |
|---|---|---|
| Cut-off | 3:00 PM ET | Store close |
| Loans available | Installment, bad credit, line of credit | All ten, including payday, title, pawn |
| Time to money | 2 – 6 hours | 10 – 30 min |
| What to bring | Photo of ID + pay stub | ID, pay stub; title or item if secured |
| Weekends | Next business day | Saturday until 2 PM |
| Best when | You can't get to a store | You need it in the next hour |
After 3 PM on a weekday, the store is the only same-day option. On Sunday, apply online for a Monday deposit.
Alternator died on I-10. Applied on my phone from the shoulder, approved for a $900 installment loan by 10:20, deposit landed at 2:40. Paid the shop before they closed.
Missed the online cut-off. The Kingsland store took my title, did the inspection, and I had $1,200 in cash twenty minutes later. Rent paid on time.
No. It's the fastest loan you qualify for — payday, installment, title, pawn, bad credit or line of credit — chosen from one application based on your situation.
In store: payday, title and pawn loans are cash in 10–30 minutes until close. Online: accept before 3 PM ET for a same-day deposit.
Visit a store for cash until close, or accept online for a next-business-day deposit.
No. Payday, title and pawn loans have no credit check. Installment and bad credit loans use a soft inquiry only.
$200 to $5,000 depending on the loan type, your state and income. Title and pawn loans go to $5,000 with no credit check.
Generally yes. Same-day products cost more than a next-day personal loan. If you can wait a day and have fair credit, check the personal loan rate first.
Yes. Stores are open Saturday until 2 PM for cash loans. Online applications on Sunday are funded Monday.
One application, the fastest loan you qualify for, and the full cost shown before you accept. Before 3 PM ET online, or any time in store.
Photo ID · proof of income · active checking account. Title or item if choosing a secured loan.
Store hours
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