Even the most financially savvy individuals may face an unexpected financial situation and need emergency cash to get their finances back on track. If you need emergency cash immediately, you may be curious about how to obtain quick funding without jumping through a lot of hoops. The good news is that there are several different loan options you can look into if you need emergency cash immediately with bad credit, good credit, or no credit!

You can consider applying for a title loan if you do not have a strong credit history and need emergency cash immediately. If you choose to apply for a ChoiceCash title loan serviced by LoanMart, you could look forward to all kinds of benefits, including a flexible application process and access to emergency cash if you qualify.1

Continue reading to learn more about emergency cash loans, or call 855-422-7402 to apply for a ChoiceCash title loan today!1


emergency cash

Typically, the easiest way to get emergency cash immediately with bad credit is to get a second job or ask your family / friends for help. However, whenever money is involved in a relationship, it can lead to disagreements, misunderstandings, and even conflict. Financial issues can cause tension, so it’s essential to have clear communication and expectations about money in all of your important relationships.

If you do not want to strain your existing relationships or get a second job, you may choose to apply for a loan instead. Subprime borrowers may face unique challenges when applying for online loans if an unexpected financial emergency happens. In most cases, the simplest way for you to access emergency cash immediately with bad credit will be to pursue loan options that can cater to individuals with poor credit scores.


You may have a number of options available to you when searching for emergency cash loans online, including:

Payday Loans

Online payday loans are short-term, high interest loans designed to help people bridge the gap between paychecks. Typically, a payday loan is a small sum of money, usually just a few hundred dollars or less. In most cases, it must be repaid in full by the borrower’s next payday, normally within two to four weeks. In spite of their convenience and flexibility, payday loans can be difficult to repay due to their high interest rates and short repayment periods. Payday loans can trap many vulnerable people in a cycle of debt, so it is important to read the fine print and consider all of your options before you sign on the dotted line.

Personal Loans

Personal loans can be short term or long term loan options that can come with a wide range of interest rates and repayment terms. You can apply for a personal loan at a bank, credit union, or with an online lender. Unfortunately, getting a personal loan can be difficult if you have really bad credit. Borrowers who are eligible for a personal loan with bad credit may receive high interest rates, so they will pay a lot more in the long run to borrow the emergency cash they need.

Credit Card Cash Advance

You can get a credit card cash advance through your existing credit card provider and potentially access the emergency cash you need! You can head to an ATM near you that accepts your credit card and request a cash advance. The amount you can withdraw through a cash advance is generally a percentage of your credit limit. While this can be a quick method of obtaining cash, it is important to remember that cash advances typically carry higher interest rates than purchases made with credit cards, and they can also come with extra fees.

Title Loans

With a title loan, a borrower can use the title to their vehicle as collateral for emergency cash. When applying for a title loan, you don’t need to have an excellent credit history because you have pledged an asset to guarantee the loan. Title loans are typically more convenient and flexible than other subprime loan options because they are secured loans. Although you must use your car’s title as collateral to secure the loan, you do not need to lose access to your asset during the repayment period!1 If you need emergency money, you can apply for a ChoiceCash title loan serviced by LoanMart online!1

Pawn Shop Loans

If you have a poor credit score and need emergency money, pawn shop loans can be a speedy and convenient solution. Like a title loan, a pawn shop loan is secured by collateral, usually a form of personal property. To obtain a pawn shop loan, you must visit a pawnbroker’s shop and bring an item of value with you, such as a TV or a guitar. It is important to consider all of the pros and cons associated with this loan option! While a pawn shop loan can be convenient, you may have to deal with high interest rates and fees. Unlike car title loans, you will not be able to hold onto your asset during the repayment period because the pawnbroker will usually keep it in their possession until you have paid off the loan.


emergency cash immediately

If you qualify for emergency cash through a ChoiceCash title loan, you could choose direct deposit or have your funds added to a debit card to obtain your money in as little as 24 hours! Sometimes, an eligible borrower could receive their loan proceeds the same day they apply for the emergency cash they need.1

If you have any questions about obtaining immediate money through a title loan, call a title loan agent at 855-422-7402 today to learn more!1


Are you searching for a convenient way to get emergency cash immediately? The exact items you will need when applying for emergency cash will depend on the type of loan you are applying for.

If you want to apply for emergency cash through a ChoiceCash title loan serviced by LoanMart, here is a list of the documents you will need to have on hand during your application:1

  • A Valid Passport, Driver’s License, or Another State-Issued Photo ID Card
  • Bank Statements, Pay Stubs, Disability Award Letter, or Another Document To Prove Your Income
  • Recent Lease Agreement, Mortgage Statement, Utility Bill, Credit Card Statement, or Another Recent Document to Prove Your Current Address
  • A Car or Truck Title in Your Name
  • Some References May be Required

Additionally, when applying for a ChoiceCash title loan, you will need to meet the following requirements:1

  1. Be of Legal Age to Apply for a Car Title Loan in Your State
  2. Have a Title to a Qualifying Vehicle in Your Name
  3. Can Provide Sufficient Evidence of Income

If you need emergency money, you can upload all the required paperwork online when applying for a ChoiceCash title loan serviced by LoanMart. That can save you a lot of time and energy because you do not need to go to a storefront location to apply for the financial help you need! By simply submitting a brief loan inquiry online, you can quickly find out if you qualify for instant pre-approval for a title loan!1


You may find that many borrowers applying for emergency cash loans face similar financial challenges and need immediate money to get back on their feet. Some of the most common reasons people apply for emergency cash loans include the following:

Debt Consolidation: Many people take out emergency cash loans to consolidate their debt. Essentially, debt consolidation is a financial strategy involving a qualified borrower using a loan to combine multiple debts into a larger debt. If you qualify for emergency cash through a title loan serviced by LoanMart, you can potentially use your loan proceeds to consolidate your existing debt.1

Medical Bills: According to CNBC, over 100 million Americans have medical debt, and 12% of them owe a substantial amount. Some emergency cash loans can be used to pay off existing medical bills and obtain a more manageable payment schedule. You can also use an emergency cash loan to pay for a trip to the emergency room or an unexpected surgery.

Home Improvement and Repairs: Homeowners can use certain types of loans to finance essential home repairs and / or renovations. You can apply for an emergency cash loan if you don’t have a sufficient amount of equity in your house to apply for a home equity loan. You can potentially use a title loan or a personal loan to fix your leaky roof, remodel your kitchen, or even build a deck!

Travel: Emergency loans can help qualified borrowers handle unexpected travel expenses – such as airfare, car rentals, lodging, and other miscellaneous expenses. Regardless of whether you are traveling for a family emergency, your own business or some other unexpected reason, an emergency loan can help you cover the costs related to travel in this economic climate.


emergency cash immediately bad credit

Typically, you can apply for a loan from a direct lender online or at a bank / credit union. If you are searching for emergency cash immediately with bad credit from a direct lender, it is important to understand the difference between direct lenders and loan servicers:

  • Direct lenders are financial institutions that can provide a loan to a qualified borrower themselves. Typically, this includes banks, credit unions, and online lenders. If a borrower obtains emergency cash immediately with bad credit from a direct lender, they will make the loan payments directly to the lender.
  • Loan servicers will manage and administer the loan after it has been disbursed. Generally, they are responsible for managing the borrower’s account and collecting the payments, as well as providing the borrower with quality customer service.

You may be able to apply for emergency cash with bad credit through a ChoiceCash title loan serviced by LoanMart! To get started, all you need to do is fill out a short questionnaire online or call us at 855-422-7402. You could get your loan proceeds in as little as one business day if you qualify!1