Personal Emergency Loans in Calgary

When dealing with personal emergencies, bills tend to rack up, and it’s easy to find yourself in a rough spot financially. If that’s the case for you, then a small personal loan may be just what it takes to help you get back on your feet.

If you need a personal emergency loan , look no further, Happy Loan has you covered. As direct private lenders for personal loans, we can help you out faster and with lesser requirements than traditional banks.

Can I Get an Emergency Personal Loan With Bad Credit?

Happy Loan understands that when tragedy strikes, it won’t care about your credit score — so we won’t either. When you come to us for a loan, we’ll only ask you for some income documents like your pay stubs, or bank statements, and we won’t take forever to go through them either. If everything’s in order, you can even get a same day cash loan!


How It Works

Usually, we lend money for a short term — 12 months or less, though we have up to 36-month plans available. You can pay our loan off at any time without any penalties. Just to clarify, here’s an example:

You borrow $5,000 with a 24-month repayment plan, but you’re planning to pay it back within 3 months. Considering the annual percentage rate (APR) of 46.5%, you will be making monthly payments of $323.75. At the end of the 3 month period, you will have to pay back $4,594.69. Your interest cost for 3 months totals at $565.94.

If that’s not detailed enough for you, or you have more questions, call or text our office line at 1-800-674-9585.

How Emergency Loans Can Help You

Behind on Bills

Break payday loan cycle

debt consolidation

mortgage arrears / property taxes

send money to your home country

other emergency


*if we receive an application before noon


Need an Emergency Personal Loan in Calgary? Apply Today

If you’ve fallen on hard times and need some quick cash to get back on your feet, or if your bank won’t help you out because of your credit score, get a Happy Loan. We can take care of your financing needs without digging through your credit history or a month-long approval period.

In fact, if you apply before noon, even bad credit loans can get same-day approval.

Documents We Need From You

2 IDs. (for example: driver’s license, SIN, Passport, health care card, etc.)

income documents: (choose any: Paystubs, letter of employment, notice of assessment, bank statements, etc.)

void cheque