plan for financial emergency

What You Can Do If You Need Emergency Financial Help

When something unexpected happens to you, you might find that you need some quick money for emergency financial help – since we all know that most emergencies don’t wait for us to have all of our emergency funds set up. If you do find yourself in that situation, you should know that there are plenty of ways for you to get the emergency cash that you need. Keep reading to learn about some of the ways you can get the help you need.

5 Ways To Get Emergency Financial Help

Even in the most desperate of times, there are ways to get extra emergency financial help to pay for any expenses that need your immediate attention. Depending on how much money you need, how long you want your repayment period to be, and a few other factors, there is bound to be a perfect option for your situation. In fact, keep reading to learn about five ways you can get the extra cash you need for emergencies.

1. Credit Card Advances 

The first way for you to get emergency financial help is through credit card advances. You can get up to 30% of your credit card limit as a cash advance generally. The exact amount you qualify for will be based on the amount of open credit you have on the card. Credit card advances don’t require you to work with an outside source like the bank, so they are more discreet than publicly funded loans.

2. Pawn Shop Loans

Pawn shops may not always have the best reputation, but there are some good ones out there that really are interested in helping people get cash in emergencies. Most decent pawn shops will hold your valuables for a pre-determined period — normally 30 days — before putting them up for sale. Things like jewelry, electronics and musical instruments are good, high-ticket items for pawn shop loans.

man needing emergency financial help

3. Sell Unwanted Items

Rather than temporarily pawning your items, you can also sell them outright. Selling a vehicle you don’t drive often could give you plenty of cash for an emergency, or you could rely on selling several smaller items like clothing and accessories. Selling online has far surpassed the old-fashioned kind of selling through neighborhood yard sales, and it could even lead to a long-term side hustle. Just make sure the items you sell are in near perfect condition so that people can actually get use out of them.

4. Private Loan From Family Or Friends

If you have supportive friends or family who are in a position to help, a private loan is a great option because, generally, it will be interest-free. Just be careful with this option, as money can be a touchy subject for those closest to you. We suggest setting forth a contract with a loved one just like you would with the bank so everyone has a clear understanding of the agreement. And make sure you stick to when you told them you’d repay them!

5. Vehicle Title Loan Online

The last option you have to get emergency financial help is a vehicle title loan online. A vehicle title loan online uses your vehicle’s lien-free title as collateral to secure the money. We here at Wisconsin Auto Title Loans, Inc. offer title loans up to $15,000 based on the value of your vehicle. The online aspect comes in because you don’t have to come to the nearest store to complete the process – we will come to you! Just let us know where you’d like to meet and we will meet you there!

help needed for financial emergency

Deciding Which Option Is Best For You

Every financial emergency is different. Only you know the complete circumstances of your situation, so you can’t depend on anyone else to tell you which of the above options are best for you. What you can do is research each option and make your decision based on fact, not fear. To help you out a little more, here are a few questions to ask yourself to determine if a vehicle title loan online or any of the other options we’ve mentioned above are a good fit for emergency financial help:

  • How much money do I need?
  • Do I own my car?
  • Do I have the title in hand?  
  • What else do I own that I could sell or pawn for immediate cash?
  • Can these expenses wait until I have more cash on hand?
  • Do I have income to repay whichever loan I choose?

Handle Your Financial Emergency Now

When you need emergency financial help, you have options available to you. There is no reason why you should stress about your emergency alone. Just use one of these options and you can be well on your way to solving your issues – or at the very least making them easier to handle. And if you’ve answered these questions and decided that a vehicle title loan online will help, fill out the online form on the Wisconsin Auto Title Loans, Inc. website to begin the process.


Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Daniel Dewitt

Daniel Dewitt is a lifetime blogger with a finely-honed ability to break down, analyze, and interpret economic trends for the layman. He's fiercely invested in spreading financial literacy and helping everyday people gain the tools they need for their own economic success.