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Fast approval; [link widoczny dla zalogowanych] Sometimes life can throw you a curve ball and you may need some emergency cash. If you're afraid to apply for an emergency bad credit loan because you've been turned down by the bank or credit union, know that you have options – and that you are not alone. Using Money Mutual's free service can help connect you with a lender who may be able to get the emergency funds you need. Effective APR on many loans is significantly higher than the stated APR listed on the loan contract, due to the purchase of some types of credit insurance, which the lender is not legally required (under the federal Truth in Lending Act) to include in the APR calculation. In examples cited in our story, we found a stated APR of 90 percent with effective APR of 182 percent on one World loan, and a stated APR of 61 percent with effective APR of 109 percent on a loan from Colonial Finance, a World subsidiary.

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