How to Get Emergency Cash Now

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Do you need to know how to get emergency cash now? You may be in a tough financial situation that threw off your budget. Or you may be facing an unexpected emergency. 

Borrowers may need emergency cash for all kinds of reasons. For example, In this day and age, an expensive medical bill could mean a financial emergency. 

If you have no credit score, or poor credit, you may be wondering how financial institutions can help you. When you need cash, consider a title loan through Max Cash Title Loans. Borrowers can get their cash in as little as the next business day by filling out a short online application!1 2 5

To learn more about emergency loans and how to get emergency cash, keep reading below!

Consider a Credit Card Cash Advance for Emergency Cash

Credit card cash advances are when you can use your line of credit to get cash. If you have a credit card with available credit, you can use it to get cash at an ATM! The loan amount will depend on your available limit, so it may not cover everything.  However, it can help you bypass the need for a new loan application and credit check!

What you should consider with a cash advance are the interest rates and your credit report. As soon as you take out a cash advance, interest will begin to pile up. If you do not pay off the loan amount in a timely manner, your credit score can suffer short-term. 

Additionally, using your available credit leads to high utilization. A factor which credit bureaus will use to determine your FICO score. If you do choose a cash advance for emergency cash, be mindful of the pros and cons! 

If you need emergency cash now, there are other options to consider.

Can I Get an Emergency Loan with Bad Credit?

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Bad credit can stop you from meeting eligibility requirements with traditional loans. However, there are alternative loans that may be able to help you.

Payday Loans

Generally, payday loans do not require a credit check. When you need emergency cash now, they can seem like the right kind of idea.

They will require you to have a positive bank account balance, and a form of income. While these are very fast loans that can get you emergency cash on the spot, they are short-term loans. As a borrower, you will need to repay by your next paycheck to avoid late fees. 

Additionally, they have very high APR, or annual percentage rates. This means the interest that accrues during your loan is extremely high. And so, you’ll pay back a lot more than you borrowed! 

While it can seem like a great short-term fix, payday loans can really hinder your finances during the repayment process. Most payday lenders will charge a fee to use their services as well. For most states, a payday lender will charge $10-$20 for every $100 borrowed. 

Personal Loans

Personal loans can be a great option for borrowers that:

  1. Have A Good Standing Credit Score
  2. Have A Consistent Stream Of Income Or Earnings 

Personal loans can be acquired from a bank, credit union, or online lender. They can be short term or long term, depending on the lender. 

While they can be a great resource that can build your credit score, you must have a good credit history to obtain one! Otherwise, you may not receive good interest rates from a lender. Depending on your current financial needs or financial situation, you may need to consider another option for installment loans. 

Home Equity Loans

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If you are a homeowner and need cash, you have a great resource at your fingertips. Home equity financing can allow you to use your home as a loan or line of credit. 

The lender lets you borrower the total loan upfront if it is a home equity loan. If it is a home equity credit loan, it provides a pool of funding you can utilize as needed. 

As with all loans, you will need to shop around to find the right lender to get the best deal. If you choose a loan or line of credit, your home will be the collateral. 

This mean that if you are late in the repayment process or you do not pay your debt, you could lose your home. Or, the lender may force you to sell it. Home equity loans can be excellent for short term projects or when you need emergency cash, but the risk is big!

Consider a Title Loan When You Need Fast Cash

When you have found yourself in an emergency situation, you may want to consider all of your options. If you are a borrower with bad or poor credit history, a title loan may be the right loan for you! 

Title loans were made to help those with poor credit have access to emergency funding. Lenders can accept those from all credit histories because title loans are secured with the title to the borrower’s vehicle.

In the approval process, instead of focusing solely on credit score, a lender will look at:

  1. The Value of the Collateral
  2. The Income of the Borrower

And so, if you have a source of income, and you have a vehicle with equity, a lender could allow you to borrow off of that! 

With a title loan, your loan amount will depend on the value of your car. Generally, most lenders will allow you to borrow anywhere from 25%-50% of your car’s equity. 

And they can long term or short term, depending on the lender you choose! Overall a good way to emergency cash if you have bad credit.

Let Max Cash Title Loans Help You Get Cash

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At Max Cash Title Loans, we are the #1 nationwide title loan marketplace. We have representatives available seven days a week! You can text us call us or speak to us online. When you need emergency cash, Max Cash Title Loans could help! 

By using the title of your vehicle, securing fast cash has never been easier. We can help connect you to lenders all over the United States to find the right one for you! 5

If you’re ready to get started, simply fill out a short title loan application, or call a representative today.