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Emergency loans.

Emergency cash based loans can help families that are faced with a crisis. There are several different options available from both private as well as charitable lenders. Find details on how to borrow money below, as well as how to get emergency loans near you. Funds are offered from non-profit lenders, corporations, charities and other agencies. While there are some lower priced options, the cash from these emergency loan products may come with higher fees and/or interest rates.

There may be funds available to borrowers of all backgrounds. Lenders may offer cash loans to individuals with lower credit scores, or others companies may have minimum requirements in place. Some of the companies, such as payday lenders, will provide a so called salary advance on a paycheck, so the borrower needs to have a job. Pawn shops can also provide money in exchange for goods, including gold, jewelry, furniture, and other items. Terms and conditions of each of one of these lenders programs will vary.

There are also emergency cash loans from charity groups, including the Jewish Foundation, certain churches, as well government supported community action agencies. Or look into getting emergency money without a loan, and this may be a job, selling stuff, website apps for rebates, and more. Or more well-known organizations including the Salvation Army may offer short term loans. Many other lenders also may be turned to for help.

Fees and interest rates when borrowing cash in an emergency

These can be expensive, especially when using a private lender and not a non-profit. So these types of funds should really be used as a last resort; the exception being a charity loan product as those tend to have lower interest rates as well as fees.

Payday lenders tend to have the highest fees involved as well as interest costs associated with them, with some states allowing the APR rate to go as high as 400% or more. But there are more states that are regulating them or outright banning salary advance products. One of the highest risk lenders may be a Title Loan company, as they will put a lien on the borrower’s car. If the money is not repaid, then the auto may be repossessed.

When applying for an emergency loan, always read the fine print. Talk to multiple lenders (as well as local charities) and demand full transparency on all of the upfront costs, APR rates, and repayment terms. Always seek the lowest cost lender of course.




Some of the costs will also factor in the borrowers credit scores as well as history. If the individual has poor credit or maybe a bankruptcy on their record, unpaid debts, etc. then the interest rate will be higher. There may also be shorter repayment terms, especially from emergency charitable loans, and they may demand the money back in as little as 3 months. Credit scores to impact the terms provided to any borrower.

Regulations on emergency loans

There are many. States will have set limits on the dollar amount to be borrowed or the maximum APR rate among other terms. Georgia allows emergency cash loans to cap out at $3000, while Florida sets at maximum APR of 10%. Check with a state regulator, law firm, or non-profit credit counselors for more information if needed.

If the lender has taken illegal action, such as a Title Loan company illegally reclaiming a car, then the borrower should get emergency help. As state regulators will protect families from illegal action, with a focus on vulnerable low income borrowers who may be senior citizens, disabled, or even single moms. Find a list of free attorney for legal aid which can help address emergency loan issues.

Where to get an emergency cash loan

Always contact and apply at more than one lender. Ask about term and conditions, with a focus on interest rates and fees. Some of the places to borrow money from in an emergency include the following.

Faith based groups may provide very affordable, emergency loans in a crisis. They tend to focus on families and residents who live within the boundaries of the parish. Any amount offered will often be very small, but loans from churches may be an option.

Buy Now Pay Later Companies can offer the equivalent of an emergency loan. It is a form of interest free shopping available, and there are no fees, interest charged or other costs - provided the money is paid back on time (in a matter of weeks) and provided the customer is in good standing. The apps, including PayPal, can in some ways be thought of as an emergency loan that does not even require a credit check. Read more on what is Buy Now Pay Later.





Free cash loans are offered to some borrowers. They are more difficult to get, but the money can be used to help pay everything from back rent to moving costs, energy bills, and medical needs. The terms of these loans will be short in nature, but they can help in a crisis. Find more details on how to receive free loans.

Emergency payday loan alternatives are offered too. This includes borrowing money from a credit union to using unsecured loans, home equity, government grants, and much more. The interest rates will be much lower, and therefore it tends to appeal to more borrowers.

Government sponsored cash based programs can assist as well. They are generally for household living close to or in poverty, the elderly, single moms or dads, and are disabled. This form of money tends to be ideal, as the funds can be used for paying any type of expense that the family has. Locate loans for people on disability as well as other benefits. Those include social security loans and other government funded crisis support.

Emergency loans by county and city

Many counties and cities also have their own lenders in place. They include payday loan as well as pawn shops, car title lenders, and many others. They include the following.

Atlanta Georgia region, including surrounding counties.

Birmingham Alabama and Jefferson County.

Charleston South Carolina region.

Cleveland and Cuyahoga County Ohio

Columbus and Franklin County Ohio

Dallas Texas and surrounding area.

Denver Colorado and all nearby counties.

Detroit and Wayne County Michigan

El Paso County Texas

Houston Texas as well as Harris County.

Indianapolis and Marion County Indiana

Jacksonville and Duval County Florida

Memphis and Shelby County Tennessee.

Nashville and Davidson County Tennessee.

Orlando and Orange County Florida

Portland and Multnomah County Oregon





San Antonio Texas and Bexar County.

San Bernardino County California.

St. Louis Missouri - (city and County)

Tulsa Oklahoma.

When it comes to borrowing money in an emergency, there are a number of options available, even for applicants with bad credit scores. While payday loans and other lenders can be turned to, low to moderate income families should apply for other forms of financial assistance first. Those funds can often be combined with emergency loans for paying bills and addressing financial needs.


By Jon McNamara

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