At some point in our lives, most Southern Californians find ourselves in a position where we need emergency money to pay for bills, make the rent, or fund some important cost. This can turn to disaster when an emergency crops up.
Say you have a medical emergency or that something happens just before the rent is due – at a time like this, you are going to need emergency money assistance. Fortunately, there are many ways of getting fast cash, and some of them are even available to people with little, poor, or no credit at all.
Although many of these options for getting emergency money now are short term solutions, they can help you quickly get out of tough financial situations as long as you are diligent about avoiding them again in the future!
5 Ways to Get Emergency Money Quickly:
1. Car Title Loans
Car title loans can be an excellent pick for getting some quick emergency cash. Our loans at Car Capital Financial are available to everyone in California and they can be awarded within as little as 30 minutes of receiving your phone call.
A prime benefit to choosing a car title loan is that you won’t have to sacrifice the use of your car or other vehicle (we can make emergency loans on motorcycles, motor-homes, planes, helicopters or anything else that has a title) to get emergency money from us.
Whether you need emergency cash to cover the rent, pay for expensive medical bills, finish off your student loan debt or to cover the costs of Christmas loans, we are ready to help. Don’t run down the street to a payday loan center, who will gouge you with expensive interest rates and penalize you for early payments – if you need an emergency cash advance loan, call us right now at 1-888-500-9887!
Whether you’ve got a great job or you’ve been unemployed for a year, we can help as long as you’ve got a clear title to your vehicle. And if you’ve got terrible credit- or even if you have no credit at all- it doesn’t hurt your ability to get a loan from us. In fact, we issue no credit check loans all the time, without even increasing our interest rates. Title loans are issued based on your ability to repay the loan.
If you need some emergency cash in San Diego, an instant loan in Orange County, or some financial assistance in Los Angeles, then please contact us today to start talking about what we can do to help you get a quick and effective emergency cash loan.
2. Borrowing Money from a Friend
If you completely run out of options for emergency cash, your last resort may be asking a friend or family member to lend you some money. This can be a quick way to get some money if you desperately need emergency money, but it’s also one of the fastest ways to ruin a friendship.
Borrowing money is highly likely to strain friendships and cause massive family rifts, as things change dramatically once money becomes involved. You will want to make sure you have the means of paying this type of emergency loan back relatively quickly to avoid these problems from occurring.
You should also check how much interest your friend or family member wants to charge, and set a specific deadline for when you’re supposed to pay them back. Leaving things up in the air leads to confusion, chaos, and an increased chance that things will go bad.
3. Selling Personal Possessions
When you find yourself in a cash emergency, selling your stuff might be a wise solution. You can sell personal items online through eBay or to other local Californians on Craigslist, but these methods can be time consuming, costly, and obnoxious. For getting emergency cash now, another option is to hold a makeshift garage sale or participate in a swap meet.
If you can’t wait to sell stuff directly to customers, you may want to consider a pawn shop instead. Pawn shops will take all kinds of items from electrical appliances to collectibles and antiques. However, be aware that if you do want your items back at some point you will have to pay a significant sum in interest. Try to only pawn items that aren’t dear to your heart, as you may never see them again.
4. Taking Out a Credit Card
A credit card won’t get you cash, but you can use it to cover the cost of immediate needs and pay off the debt at a later date. Banks are well known for giving out credit cards to virtually anyone, as they make more money off of people who are not fiscally responsible, so credit cards have become the go-to option for emergency cash generators, but they’re not always your best bet.
You will need to be aware of how quickly interest rates can lead to additional costs, and of how a bad credit score can affect your future career and ability to rent. Credit card companies don’t care how much of a money emergency you are in- they’ll give you generous amounts of credit hoping that you will accrue generously-sized interest rates. Feel free to take out a credit card to come up with some emergency money for rent or other expenditures, but make sure you proceed with caution.
5. Visiting a Payday Loans Center
Let’s face it, California has payday loans centers on the corners of virtually every strip mall and inner city area, and it’s obvious that a lot of us are facing some serious tough times. But even if you desperate need an emergency cash advance, going to a payday loan center is one of the worst options available. While people visit these stores every day, many don’t realize that the cash comes with extremely high interest rates.
Although payday loan centers will likely give you an emergency cash loan, you should be wary of their very high interest rates. The costs of a payday loan can quickly skyrocket and some centers don’t even allow you to pay off your loan early – forcing you to pay significant interest even when you are in the financial position to pay your emergency cash advances back early.
What Should You Do?
There are many options for getting emergency money in California, but each of them has its drawbacks. Consider your short and long-term financial situation, do your research, and plan ahead to make the right decision for you and your family. Don’t forget to consider car title loans as a stop-gap solution that will keep you afloat without taking anything away that you need or love.
Getting the emergency money you need without having to give up driving your car, pawning off family heirlooms or sacrificing personal relationships may be your best bet in this time of need. A car loan can give you fast and trustworthy emergency cash.
For more information about our vehicle title loans, please contact us now at 1-888-500-9887!