What to Do When You Need Emergency Cash

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When you’re having trouble making ends meet and unexpected expenses keep popping up, you need emergency cash. Whether coronavirus has you needing extra cash, or you just can’t seem to keep up with your bills this month, don’t panic! There are lots of different funding options you can take advantage of to get the emergency cash you need. 

If you’re looking for an alternative loan solution, Max Cash Title Loans may be able to help you.2 After a simple title loan process, you could get money for your financial needs! 1 2 5

If a car title loan can help your financial emergency, getting the assistance you need is as easy as filling out a brief online inquiry with Max Cash Title Loans.2 5 Borrowers can also call Max Cash Title Loans directly at 855-561-5626 to get a head start on their emergency loan inquiry. 

To learn more about cash advances and short-term emergency cash options, keep reading below!

Can I Use a Credit Card When I Need Emergency Cash?

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If you already have a credit card provider, one of your emergency cash options is to get a cash advance through your credit card. Credit card advances are often quick and easy, as you do not need to apply for an entirely new loan if you already have a credit card provider.

With cash advances that come through a credit card, however, one thing to keep in mind is that they are still a loan, and often have higher interest rates than your regular purchases would.

Interest rates can be costly in the long run, especially if you are slow to pay off your advance. If you fail to pay down your debt that you acquire with a cash advance from your credit card, it can lead to your credit score dropping from high utilization. While you can get emergency cash from a credit card advance, there are much better funding options available to avoid credit card debt!

What Kind of Interest Rates Come with Payday Loans and Cash Advance Loans?

If you’re searching for emergency cash, you might have come across payday loans, or cash advance loans as fast cash options for your bank account.

Most payday loan or cash advance lenders will refer to interest as finances charges. This means you are paying a fee to borrow the money, even if the repayment process was structured as a short-term loan. Cash advance loans and Payday loans are known for:

  • High-Interest Rates: The average interest rate for a payday loan can be 391%! If you cannot repay the loan in two weeks, in some states the lender can increase your interest rates and put you even more in debt.
  • Cash Advance Fees: On top of high-interest rates, there are usually always fees to borrow money through a cash advance loan or payday loan. In some states, these cash advance fees are for every $100 you take out in a loan, you’ll need to pay back $25 extra. These cash advance fees can hurt a borrower’s chance to get back on their feet once they start to repay the loan!
  • Late Fees: If you miss a payment, there are typically extra late fees that most online lenders will charge on top of high-interest rates on a short-term loan! With all of these cash advance fees and high-interest rates, it’s better to avoid payday loans and cash advance loans altogether if you can.

Can I Get Emergency Cash from a Personal Loan if I Have Bad Credit?

Another funding option you might have seen as a solution for your cash troubles are personal loans. If you have a good standing credit history, a personal loan can be the optimal solution for you. Personal loans are money that has been borrowed from:

  • A Bank
  • Credit Union 
  • Or Online Lender

Generally, they are installment loans that are unsecure. Personal loans that are unsecure do not require collateral, which means the approval process is much less flexible. 

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While personal loans may have more quality interest rates than credit card advances or payday loans, they can be hard to obtain without an excellent credit history! The average personal loan interest rate from a variety of lenders is 6%-36% APR (annual percentage rate). An extensive credit check is required to be approved for a personal loan, so if your credit is less than stellar this may not be the best emergency cash option for your bank account.

Early Withdrawal on A Retirement Account to Grab Emergency Cash

One of your emergency cash options can come from your retirement account, or your 401(k) if you have one. This is through the 401(K) hardship withdrawal through your current employer. 

Withdrawals often do not happen until you are at least 60 years of age, but if you are in immediate financial need, you may be able to use this method to obtain emergency cash. Immediate financial needs that qualify for early withdrawal are often:

  1. Medical Expenses or Bills
  2. Burial Expenses of a Loved One During the Coronavirus Pandemic
  3. Avoiding Foreclosure on Your Home
  4. Medical Care for a Spouse or Family Member

If these pressing reasons are why you need emergency cash, you may want to tap into your retirement account. Be mindful that not all employers will allow you to do so, and you may need to inquire through other means. While you may need to inquire via the IRS, your retirement account could get you the extra cash you need to take care of yourself or a family member.

Are Title Loans Better Emergency Loans Than Payday Loans or Personal Loans?

Contrary to personal loans or payday loans, title loans can have much more optimal loan terms with a much more flexible approval process. 

Since title loans are secured by using the title of your vehicle as collateral, the approval process is flexible for those from all credit score backgrounds!  With a title loan, borrowers can use their vehicle for emergency cash, even if they have bad credit!

Instead of relying on short term loans with harmful loan terms, borrowers can have access to extra cash to pay for emergency expenses without unreasonable interest hurting their bank account.

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Contact Max Cash Title Loans to Get the Emergency Cash You Need

If your bank account is low and you need emergency cash, contacting Max Cash Title Loans may be your best option.2 5 By choosing emergency loan options like an online title loan, you can get the emergency cash you need- even if your credit score is less than ideal! 2 4 5
If you think an online title loan can help your financial needs, give us a call at 855-561-5626 today, or fill out a short online title loan inquiry form to get the process started. At Max Cash Title Loans, we are open seven days a week for your convenience and emergency loan needs!