Personal loans for emergencies and unexpected expenses
Quick funding1 for life’s surprises.
Don’t let unexpected expenses derail your finances.
Access funds quickly¹
Same-day loans may be available. Check online to see if you pre-qualify, or submit an application at your local branch today.
Protect your budget
Spread the cost of a large expense over more manageable monthly payments.
Know your repayment terms
With a fixed interest rate and set loan term, you’ll know exactly how much to pay each month and when the loan will be paid off.
Can personal loans be used for emergencies?
Emergency loans can help you cover unexpected bills and other surprise expenses, including:
Sudden car repairs
Medical bills
Urgent home repairs
Dental care
Funeral expenses
Veterinary bills
Replacement of necessary devices
Emergency travel or relocation
Personal loans that put people first
Our lending solutions support customers through life’s planned and unexpected moments.
- 550+
Branches in 24 states
- 30+
Years in business
- 500k+
Customers served
"The Lendmark staff is always friendly and very courteous. I truly appreciate the understanding Lendmark gives their clients. They treat you as a person instead of just an account number. "
Customer reviews collected via satisfaction surveys administered through a third-party customer experience platform. Not all responses shown. Individual experiences vary.
How to apply for a Lendmark loan when an emergency arises
When you need a personal loan, you don't have to sacrifice convenience for customer care.
Check if you pre-qualify online or submit an application at our local branch.
Answer a few questions, provide an ID and proof of income, and we’ll review your request.
We will verify your information and provide an application decision.
After reviewing your documents, we can consider your options.
If approved, come in to sign the agreement.
Visit your nearest branch to finalize the loan and access your funds.
Without impacting your credit score.
Questions about emergency loans? Here are some of the most frequently asked.
How much can I borrow with an emergency loan?
The amount you can borrow depends on factors like your income, credit score, and state of residence.
Lendmark may offer up to $8,000 without collateral (larger loans may be available to qualified borrowers with collateral). There are minimum loan amounts of $2,000 in Florida, Louisiana, and Mississippi, and $3,000 in Alabama, Arizona, California, Colorado, Georgia, Idaho, Kansas, Kentucky, Maryland, Missouri, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, and Wisconsin.
What credit score do I need to qualify for an emergency loan?
Lendmark believes borrowers are more than a credit score. We evaluate multiple factors (including your income, existing debts, and credit history) in determining eligibility and do not rely solely on a single credit score threshold.
How do I repay an emergency loan?
Lendmark loans are repaid in monthly installments. You can sign up for ACH payments to have payments automatically paid from your checking account on the designated dates. Otherwise, you can make payments online or by phone with a debit card, or make payments in any Lendmark branch by personal check, cashier’s check, or money order.
Will applying for an emergency loan affect my credit score?
With Lendmark, you can see if you pre-qualify without impacting your credit score. Completing a formal application process and establishing a new loan will result in a hard inquiry. Hard inquiries might affect your credit score. Credit score impacts vary by consumer and credit reporting practices
Because of the way credit scores are calculated, completing a formal application process and establishing a new loan typically temporarily reduces your credit score slightly. However, consistently making loan payments on schedule may increase your credit score over time.
See what Lendmark can do for you
With our customer-first approach, we're here to provide exceptional service and reliable loan solutions. Get started today, and you can see your rate with no impact on your credit score.
Without impacting your credit score.
