How to Get Instant Emergency Cash

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

If you’re scrambling for cash and you have no emergency fund, you may be searching for how to get instant emergency cash. When financial difficulties arrive, like medical bills or job loss, you might be stressed. However, there are some loan options and resources you may consider that could help you get instant emergency cash. 

Borrowers that are looking to cover their emergency expenses can check out how Max Cash Title Loans can help them. By connecting borrowers to title loan lenders with excellent repayment terms and emergency cash, their financial issues could be solved! 5 Applying can take just minutes to do online, or over the phone.

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

Instant Emergency Cash Loans and Your Credit Score

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Finding the right kind of emergency cash can be easy! The type of loan that you can obtain will often depend on your credit score, or credit history.  Many of these loans require a credit check, which will also affect what interest rate you will be offered. If you are seen as a higher risk because of your credit history, you will receive a less desirable interest rate.

Your loan amount, or the amount of money you can qualify for will depend on how you do in the application process. Your credit score will determine the annual percentage rates you receive, and how much funding you will get. Below are a few cash loan types: 

Personal Loans for Instant Emergency Cash

Personal loans are an excellent short-term loan or long-term loan choice for those that have a good credit score. The application process will involve a lender looking at a borrower’s credit history, as well as their income. 

While they are a way to get emergency cash, they can be hard to receive approval for if your credit score is less than ideal. A credit check will often result in a borrower with bad credit receiving high interest rates, or not even being approved at all! Personal loans can be installment loans, which can make the repayment process easier with scheduled, periodic monthly payments.

Payday Loans for Emergency Funds

Like the name would suggest, these short-term loans are meant to be emergency loans to help a borrower in between paydays. They often do not require an extensive credit check and can be a quick option for emergency cash. 

Your eligibility will often only depend on your available income, meaning you should be employed and have a bank account with a positive balance. Payday loans can be great for covering unexpected expenses that you might not have prepared for. 

While payday loans can be a great way to get instant emergency cash, they often have negative consequences that borrowers might not be aware of. Their annual percentage rates are extremely high, which means the repayment process of the loan will be tough. Higher interest rates, and fees can make a payday loan a bad decision for your finances. The average APR for a payday loan is 250%! That will hurt your wallet in the long run, even though it is a fast cash loan. If you are in an emergency situation and you are worried your credit report will stop you from obtaining a loan, there are other resources available to use.

Credit Card Cash Advance 

If you already have a credit card cash issuer, one of the resources you may be able to utilize is a credit card cash advance. This can be an easy way to get extra cash and skip a lengthy application process. Credit card cash advances are for those with good to fair credit, as they will require approval for a credit card.

Cash advances from a credit card are available online, or through an ATM. They are obtained through using your available line of credit. 

Just as you would make a purchase with your credit card, you can use your credit card to obtain funds.  In order to obtain a cash advance with your credit card, however, you will need to have available credit with your card issuer.

 An aspect of a credit card cash advance to keep in mind is that your advance will be subjected to the same, if not higher interest rate as a purchase would. If you are able to pay the advance back within the month it could be an easy way to get money fast. Otherwise, it could hurt your financial situation, and add debt.

Title Loans for Extra Money

There are many different types of online lenders that could give you quick cash, and a title loan is one! Title loans can be an excellent resource for those with bad credit. This is because title loans are secured with collateral, which is the title to your vehicle. The title helps give the lender security that the loan will be repaid one way or another. So, your credit history is not the most important aspect of the approval process. Instead, the value of your vehicle and your income are the eligibility requirements for the loan.

Typically, a lender will allow you to access 25%-50% of your vehicle’s current value. This means if your vehicle is worth 1,000, you may be able to borrow $250-$500 dollars. Your vehicle must have equity in order to qualify, meaning that it must be able to have value if it was sold. Typically, title loans could help you get funds in as little as the next business day! 

How Can Max Cash Title Loans Help Me Get Instant Emergency Cash? 

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If you are looking for how to get instant emergency cash, Max Cash Title Loans wants to help.1 By connecting you to hundreds of online lenders, you could be able to find the right loan that fits your financial situation.1 Applying for a title loan online can take just minutes to do, and it can be done from the comfort of your own couch!  Get started on your loan today by applying online, or over the phone with a loan representative.