Wednesday, May 23, 2012

How to Get Money in an Emergency

Most of us have times in our lives when we are strapped for cash and need to seek emergency help in order to pay the bills and rent on time.

Fortunately, there are various ways you can get access to money if you find yourself truly financially stuck. Here are five easy ways you can get emergency money:

Take Out a Loan

One of the most traditional methods of getting money quickly is taking out a loan from a bank. This usually requires you to visit your local bank branch, make a request, and fill out various forms. Most banks require you to undergo a credit score check, so if you have a poor credit, you may be denied. Bank loans are one of the safest and most reliable ways to get money, but you need a good credit score to obtain a bank loan, and they are not completed quickly, so if time is of the essence you will have to look elsewhere for funds.

Consider a Title Lease

If you have a poor credit score and your request for a loan is denied, your next best option may be taking out a title loan on your car. Car title loans are helpful for getting cash in an emergency situation, as they can be completely quickly, and because most car title loan companies dont require you to undergo a credit check. A title loan will get you a short term collateralized loan (using your car as collateral) for up to the cars total value, but in return the company technically takes ownership of your car until youve repaid the loan in full. While car title loans offer a quick and relatively simple solution to short-term liquidity problems, they can lead to long-term disasters if you arent able to make your loan payments on time.

Try Your Luck at a Casino

Trying your luck at a casino may sound insane, but if you win big all of your money problems could be instantly solved. Many people have sought financial help by gambling away money at their local casino, but who knows, you could be in luck the time you try. Avoid financial ruin by only betting or gambling a small amount, and if luck doesnt seem to be on your side, look for another avenue thats just a bit less risky.

Get a Payday Loan

You can find payday loan centers in most major towns and cities, and they typically award borrowers with the value of their next paycheck. The borrower then has until the time of their next paycheck to repay the loan, which will include various ad-on fees as well. This may sound like a great short term financial solution, but borrowers should be aware that if they dont pay the loan back on time, their interest rates will skyrocket to much higher levels than conventional bank loans. Payday loans should ideally only be considered in absolute emergencies.

Sign up for a Credit Card

Credit cards rarely award cash, but a line of credit can help you pay bills and buy essential items. Most credit card companies will award cards to virtually anyone, so obtaining a line of credit usually isnt that much of a challenge. However, its important to note that you need to pay your credit card back on time each month to avoid interest from up and damaging your credit score. Credit cards are convenient, but making regular repayments is essential for getting any value out of them.

Above are some of the fastest way to get quick money, but each has their pros and cons. Heavily consider each option until you find the ideal method for you and your situation. Good luck!


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