How to Get Emergency Cash on Hand

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A well-stocked emergency fund, or emergency cash on hand set aside for a rainy day is often hard to maintain. Financial experts have agreed that less than 23% of Americans have savings to cover their living expenses in a crisis. 

If your checking account is low and you are looking for how to get emergency cash on hand, there are a few resources for you to utilize. With Max Cash Title Loans, borrowers can get connected to a loan that will help them with recovery from coronavirus pandemic, or other emergencies.  5 Max Cash Title Loans could get you connected to lenders so you can set aside a cash reserve. 5 Applying for an online title loan is simple and can take just minutes to do.

To learn more about how to get emergency cash on hand for unexpected expenses, keep reading below!

Quick Ways to Get Emergency Cash 

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The fastest way to obtain emergency cash will often be through a loan. While many different types of loan options can exist, there are a few that stick out for unexpected expenses:

  1. Credit Card Advance: If you already have a credit card provider, one of the ways you may be able to obtain cash is through your credit card at an ATM. A credit card cash advance will allow you to access your available credit and borrow it. 

Keep in mind, borrowing through your credit card will subject you to the same interest rates that a purchase with your card would have. The amount of money that you can borrow will depend on your available credit. 

Some financial institutions will have ATMS that you can access with your credit card, and you will be able to pull cash from there. In some cases, you can apply for a credit card cash advance directly from your cell phone! 

But, a cash advance will often have fees if it is obtained through your credit card. Often, the interest rates associated with a credit card cash advance can be higher than usual, and there is often no grace period. A grace period is given with a regular purchase from your credit card in the event that if you return the item, you will not need to pay interest. 

  1. Personal Loan: If the coronavirus pandemic has not hurt your credit, you may want to consider how a personal loan can help you reach your financial goals. If you do not already have an emergency cash fund, a personal loan could be the way to build one up. 

However, personal loans require credit-based approval. This means your loan amount, your approval, and your interest rates are based upon your credit score. Borrowers with higher credit scores are more likely to get lower interest rates and a larger amount of money. If your credit is less than ideal, it may be hard to even obtain approval in the first place.

  1. Title Loans: If your credit is less than ideal, a title loan could be the right answer to cover your living expenses. Since title loans are secured with collateral, the approval process for those with poor credit is much easier. Title loans can allow you to access 25%-50% of your vehicle’s equity if it qualifies. 

This can help provide you with a cash reserve in your checking account. Or, it can help you establish emergency cash to pay for your living expenses. The amount of money you can receive with a title loan will depend on your income, and the value of your vehicle.

  1. Payday Loans: These loans are meant to last borrowers in between paydays. They are short term loans, often only 2 weeks to 30 days for repayment. While this is a fast way to obtain cash, there are often many fees and high interest rates to watch out for. Before taking out a payday loan to get cash, consider your alternative loan options first!

Creating a Savings Fund for Emergency Cash at Hand

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Financial planning can be tricky, especially if it is new to you. While your short-term goal may be how to get emergency cash on hand, your long-term goal should be creating an emergency fund. Your financial goals should be initially to cover at least one month’s worth of expenses in the event that you experience job loss, or other emergencies that could happen.

Ideally, many financial experts would agree that you need at least a months’ worth of expenses to have peace of mind. While months of expenses seems like a hard goal, you can start smaller.

If your personal finance goal is to eventually have the financial stability, begin your journey by starting small.

Build your Savings Account

A portion of each check should be dedicated towards your savings. Financial experts often agree that at least 10% of your check should go towards your savings. In the United States, 45% of Americans have nothing saved in their savings account. This issue can often be solved with proper budgeting, and a savings goal.  Start by putting in a small amount with each paycheck.

For example, if you set a goal per month of $50 in your savings, it won’t seem as overwhelming. Additionally, you should make the effort to start implementing a budget in your lifestyle if you do not have one already. A strict budget, as well as a new goal for your savings can help establish a routine. Routine changes like bringing your coffee to work, as well as bringing your lunch to work can help you save more than you might think!

If you do obtain cash from a loan, one of the ways you can utilize those funds is by investing it into your savings account. The more money you set aside in your savings account, the more it can grow. A money market account or a high yield savings account is one of the most efficient ways to help grow your money once you have started saving it. Before choosing where to put your savings account, shop around a little. See if you can find the best rates with no minimum and begin to put away money. As long as you are consistent, you will see growth in your savings account.

How Can Max Cash Title Loans Help Me Get Cash in My Hand?

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If you are struggling to make ends meet and need emergency cash, Max Cash Title Loans can help. By connecting borrowers to the right title loan for their financial situation, getting funding has never been easier! 5 

The approval process can be simple, and less of a hassle than you might think. All borrowers will need to do is fill out a short inquiry form online. It can take just a few minutes, and it does not even need to be done in person! If you are unable to access it online, borrowers can additionally apply over the phone with a representative. Max Cash Title Loans has help available 7 days a week for your convenience— apply for an online title loan right away!