Emergency bad credit Loans


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At SmartAsset we’re all about building up an emergency fund that you can tap when things get tough. The general rule of thumb is to have an emergency fund equal to about six months of living expenses (more for those who have unstable jobs and those who are the only income earner in the family). If you haven’t been able to build an emergency fund or your emergency fund isn’t big enough to meet your needs, you may have to turn to an emergency loan. These could be emergency loans for rent or for covering other bills and living expenses.

Emergency Loans: The Basics

Emergency cash loans are often targeted to different constituencies. There are specific emergency loans marketed to the unemployed and to veterans, for example. Emergency funds are often available from charities, particularly in big cities with a high cost of living. Loans and grants from non-profit organizations are generally available based on need, not on creditworthiness. That means if you need an emergency loan and you have bad credit you’re not out of luck. If you have an emergency that’s specific to a natural disaster, you may qualify for an emergency personal home repair loan from the government.

Emergency Loan Options

When you find yourself in need of an emergency loan you may not realize how many choices are available to you. If your own emergency fund won’t cut it, you may want to consider asking for a loan from family or friends. Don’t have anyone you can ask for some emergency cash? What about a bank loan or credit union? If you have decent credit you should be able to get a personal loan with a relatively low interest rate.

Then there are online lenders and peer-to-peer lending sites. If your credit score is low or your credit history is thin you may have better luck with a nontraditional lender than with a brick-and-mortar bank or credit union. Credit cards also offer cash advances. These come with interest rates that are generally high, but compared to payday loans and installment loans they are likely a better option in a pinch.

Emergency Loan Pitfalls

Interesting facts

  • Background Apnaloan.com
    pioneered the concept of an online marketplace for home loans, personal
    loans and credit cards in India. Since our inception in 2000, over
    3,00,000 consumers have benefited from our services. Today consumers
    consider Apnaloan.com synonymous with an easy and a hassle-free loan
    process as we make banks compete for your...
  • Background Apnaloan.com
    pioneered the concept of an online marketplace for home loans, personal
    loans and credit cards in India. Since our inception in 2000, over
    3,00,000 consumers have benefited from our services. Today consumers
    consider Apnaloan.com synonymous with an easy and a hassle-free loan
    process as we make banks compete for your...

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Popular Q&A

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Need Emergency Loan, Bad Credit.? | Yahoo Answers

A month? That time period will make it even more difficult. See if this website can assist you . Although it may not be likely to get a loan from a bank, check out some private institutions,the fact that it is a student loan may make them more willing to give you. I hope you will be able to get it in time.

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How can you get an emergency loan if you have bad credit.

In that case, traditional borrowing may not be an option. You may be considering payday loans to get you through the hard times. If so, be very careful.You really need to be careful about using payday loans. The problem with them is that they most likely will make your situation worse. Payday loans can easily cost you several hundred percent APR.Title loans are a similar type of high cost loan. You can get a little bit of cash, but you risk losing important assets such as your automobile.