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If you are like many Americans, you might be struggling to get the cash you need while recovering from the pandemic. You might be searching online for the best way to get emergency cash near me, and not sure where to start. 

While looking for quick cash online can be overwhelming, there are ways for you to obtain the resources you need during these uncertain times. Government cash assistance programs exist to help those struggling financially and are low income, but there are other alternative options to consider. 

With alternative options like Max Cash Title Loans, borrowers can get their funds in as little as the next business day in their bank account.2 5 Applying for an online title loan can take just minutes to do with an online application, and you could get connected to thousands of lenders across the United States! 5 Medical bills, car repairs and other unexpected expenses could leave you in a financial emergency, and you need to find the best way to get cash. 

To learn more about the application process for emergency cash loans and your resources, keep reading below!

Emergency Cash Loans from Lenders Near You 

If you are looking for the quickest way to get cash through a loan, you have many different resources available to you. However, the type of loan you would be able to choose depends entirely on your eligibility, and your credit score. 

Many loans will require a credit check to see if you have bad credit, or if you are a trustworthy borrower. The loan amount, and the interest rates will depend on your credit history and income. Poor credit history will often deny you for most traditional loans, so you can turn to secured loans.  Here are a few loan types to look into: 

Personal Loans

If you are confident with your credit history, personal loans may be the right option for you. Personal loans can be short term loans or long-term loans and will require a credit check for approval. 

Since they are unsecured installment loans, they will not require collateral, which means approval can be more difficult. Unsecured personal loans require good credit scores, otherwise you may not be eligible or will receive a high interest rate. Personal loans can be found through direct lenders, credit unions, or even banks. To apply, simply place a loan request online. 

Payday Loans

If you have a poor FICO credit score, another option you have is a payday loan. This type of loan was created to help borrowers get quick cash while they wait for their next payday. Many payday lenders do not require an extensive credit check. Instead they will require a borrower to have a positive balance in their bank account and an income to apply. 

While payday loans are a fast way to get cash to cover an emergency expense, they come at a price, which is often your next paycheck. Payday loans are notorious for high interest rates and loan fees that make them almost impossible to repay. If you are late with any payments, there are additional fees as well. There are even fees to borrow the money! In some states, for every $100 borrowed, you will need to pay an additional loan origination fee to the lender. If you can, it is best to avoid payday loans altogether. While they can be a short-term fix for financial assistance, they will often cause many problems in the future and hurt your financial stability.

Credit Card Cash Advance

If you already have a credit card provider, you have the option to choose a credit card cash advance. A credit card cash advance is just like a loan, except you are using your available credit to obtain funding. 

While your card issuer may charge interest and a fee for a cash advance, they are easy to obtain. Simply access your card through your providers ATM, and choose the option for a cash advance. Select the amount you would like to withdraw, which is up to your available credit limit. 

The amount of funding you get will depend on your available credit, and your provider. Cash advances can be an easy way to obtain funding in a hurry! 

However, they often come with fees and higher interest rates. Additionally, there is no grace period with a cash advance. As soon as you take out the funds, the interest will begin to accumulate on the funding. 

With a cash advance, you are borrowing a short-term loan by using your available credit line with your provider. If you have the means to pay this off early, this can be an excellent way to use your credit to get fast cash in an emergency situation. However, if you are uncertain when you will be able to afford the payment, it could put you further in debt.

Title Loans 

If you are uncertain about your credit history, a title loan could be the right resource for you to utilize. Title loans were created to help those from all credit histories to obtain funding. Since title loans are secured with collateral, they are much more flexible in their approval process.

While title loans will often require a credit check, your credit history is not the most important part of eligibility. Instead, the value of your collateral (your car), as well as your income will determine your eligibility. 

Typically, most title loan lenders will allow you to access up to 50% of your vehicle’s equity if you have the income to support that payment. This means if your vehicle is worth $5,000, you could receive up to $2,500 in a loan payment. While you are repaying your loan in a timely manner, you could continue to drive your vehicle as you normally would! Generally, most lenders with a title loan can offer more competitive interest rates than other alternative loans in the market.

Why Choose Max Cash Title Loans for Emergency Funding

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Financial assistance should not be a hassle. With Max Cash Title Loans, we strive to connect you to lenders across the nation that can give you the financial resources you need. 5 

Applying for a title loan shouldn’t be difficult! With Max Cash Title Loans, we make it easy to obtain your funding, and to apply. You will not even need to leave the comfort of your own home— you can apply directly online with your smartphone in just a few minutes. Get started on your loan application today and see how much you can qualify for! If you are looking for emergency cash immediately near me, Max Cash Title Loans may be able to help.