How to Get Emergency Cash for Savings

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A title loan is a good way to supplement your finances in a pinch

New studies have shown that 70% of Americans have less than $1,000 in their savings account. If you’re in that percentage and you’re looking for emergency cash for savings, there are many options available to you. 

Getting emergency cash for a savings account shouldn’t be complicated. If you’re in a financial emergency and you’re in need of extra cash, Max Cash Title Loans may be able to help you with a simple online application process.

If a car title loan sounds like something that could give you financial relief, contact Max Cash Title Loans today or fill out a brief online title loan inquiry to get started on the process.

To learn more about your emergency cash options for your savings, keep reading below!

Borrow from Your Retirement Account to Get Emergency Cash

While loans are not permitted from Roth IRAs, IRAs or 401(k) accounts, your employer-sponsored 401(k) plan may permit you to borrow off of your retirement savings. This is known as a 401(k) hardship withdrawal and is allowed by the IRS if there is an immediate financial need. Such needs are:

  1. Preventing a Foreclosure
  2. Covering Medical Expenses or Emergency Surgeries
  3. Burial or Funeral Costs
  4. Family Need or Spousal Need for Health Care Costs
  5. Pandemic Relief

If you can wait the 5-7 days to get your immediate financial need withdrawal approved, this may be an option to get the emergency cash to build your savings. 

One of the risks to consider is that it will slow down your retirement growth in your 401(k) account. Additionally, if you experience job loss or a layoff from this employer, it may lead to adverse consequences like being forced to repay the balance of the withdrawal.

Borrow Against Your Home Equity and to Get an Emergency Fund

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If you are a homeowner, you have the option to borrow off of the equity in your home through a home equity loan, or a cash out refinance. These loans are secured with collateral, which is your home. 

Secured loans can offer borrowers many advantages!

They often have lower interest rates than other personal loan options since they are secured and can get you the emergency cash you need to pad your savings account for any unexpected expenses. You can also use this funding to perform home repairs that you may have been putting off.

While there are pros to this option, defaulting on these loans may result in losing your home or going into foreclosure.

Sell Your Unwanted Items to Grow Your Emergency Fund

There are dozens of sites popping up to sell your unused or unwanted household items! Whether you have an extra couch or fridge taking up space, consider selling them on platforms like:

  1. Poshmark
  2. OfferUp
  3. Ebay
  4. Craigslist

Take a look around your house and consider any household items or clothing that could help you get the extra cash you need in an emergency to cushion your savings account.

Why Is an Emergency Fund and Savings Account Important for Personal Finance?

If you have found yourself facing a job loss or financial emergency and can’t make ends meet, you likely do not have an emergency fund to cover at least two months of expenses. Emergency funds and savings accounts will act as a safety net in case unexpected expenses might drain your bank account. 

Your savings goal can vary based on your income, but as a general budgeting rule you should dedicate at least 10% of your monthly income to go into a high- yield savings account. This can help you automatically save money for a financial emergency, as a high yield savings account will generally have better interest rates that will save you money in the long run. 

With your family members, stick to a budgeting plan and start saving for emergency cash! It is much easier to do it with someone than do it alone. A financial planner can help you get your ducks in a row, but if you can’t afford one, you can still do it on your own and have peace of mind.

How Much Emergency Money Should Be in My Emergency Fund?

A title loan can help with all sorts of unexpected expenses

While a financial emergency can change from person to person, most financial experts would say that anywhere from three months to six months’ worth of expenses should be in your emergency fund. When you do receive emergency cash, be sure to build up both your savings account and your emergency fund in order to prepare yourself fully in case of job loss, unexpected expenses, or credit card bills.

Should I Consider a Money Market Account instead of a Savings Account?

If you aren’t already familiar with a money market account, they act as a hybrid between checkings and savings. Each month, you can make debit card purchases and write a limited number of checks, as well as earn a higher interest rate on your money than a regular checking or savings account would. If you can manage your money without a financial planner, these can be the optimal route to save money in the long run.

Consider Short-Term Loan Options for Emergency Cash

There are some loan options that you may have seen during your search for emergency cash:

  1. Payday Loans: Like the name would suggest, these loans are meant to last you in between paydays. While they are fast, the funding amounts are generally lower. Payday loans offer you an average of $50-500 depending on your state laws. Be mindful of late fees, finances charges, and high-interest rates when applying for these predatory loans!
  1. Personal Loans: If you carry an excellent credit score, personal loans may be the right option for you. They are generally unsecured and used for a specific financial purpose such as debt consolidation or medical bills. While these can offer good interest rates if you have perfect credit, you may not get approved if your score is less than ideal.
  1. Credit Card Advances: If you have a credit card with an open line of credit, this may seem like the best option. As it will save you the trouble of applying for a new loan.  However, one thing to keep in mind, is that to the same interest rate as other purchases with your card! If you can’t pay it back in a month, it may increase your credit utilization. Which is reported to credit bureaus, which will lower your credit score. 

Contact Max Cash Title Loans for Emergency Cash for your Savings

While other loans and financial options may exist, they may not be the best option for your personal financial emergency. 

With car title loans, borrowers will use the title of their vehicle as collateral for the loan, making it secure. Secured loans can offer better benefits to borrowers. Like more optimal time to repay the loan and more competitive interest rates.1 4

If an online title loan sounds like the right fit for you, contact Max Cash Title Loans. Reach out to us by phone, or by filling out a short online inquiry form for an online title loan.  Get started on the process right away today to see what your loan options are! With Max Cash Title Loans, you can access help 7 days a week for your financial needs and convenience.1