woman looking at all credit options on screen for receiving a title or payday loan

Financial Options For All Credit Types With Urgent Expenses

Written By June Mckaig

Published on January 18, 2024

Updated on March 17, 2025

At Title and Payday Loans, we understand how stressful urgent expenses can be. Whether it’s an unexpected medical bill, car repair, or home expense, finding financial options for all credit types can be challenging.

The good news? There are multiple ways to get emergency cash quickly, including title loans, payday loans, and other financial solutions. Let’s explore the best options available!

4 Easy Ways To Cover Unexpected Expenses

couple meeting with representative about title or payday loan and text Financial options for all credit types with urgent expenses

1. Look For Ways To Earn Extra Money

We know it’s easier said than done but one effective method to get money for urgent expenses is to explore different ways to make an extra income. Here are a few things you can try:

Organize a garage sale. Take the time to gather things around your home that you no longer use or need. You can sell them at a garage sale or online to earn money.
Look for side jobs. If you can, do some freelance work or pick up extra shifts at work to boost your income.
Cancel extra services temporarily. If you need to cut down on your spending, consider canceling non-essential subscriptions or services temporarily until the problem is resolved.
Rework your monthly budget. If you’re really tight on money, consider reviewing your budget and see which areas you can cut back on or stop temporarily to free up some funds.

2. Inquire About A Payment Plan

Depending on what type of expense you need to cover, ask the service provider if it would be possible to work out a payment plan. Payment plans typically offer weekly, bi-weekly, or monthly payment options (with interest) for customers who can’t pay in full.

This is especially true for medical providers - most clinics and hospitals offer affordable payment plans, and some of them don’t even require additional fees or interest. You can break down the total payable amount into various payments that fit within your budget

3. Use A Credit Card

If you have excellent credit, you can look into a 0 percent APR credit card which usually comes with an interest-free promotional period (6 to 21 months). It would be ideal to use the card to cover your urgent expenses and pay them off within the promotional period. Otherwise, you’ll have to pay interest for any balance left after the promotion ends.

If you don’t qualify for this type of card, you can use your existing card - just be sure you create a detailed repayment plan and follow through to avoid credit card debt. Consider adjusting your budget to free up more funds to pay your credit card.

4. Consider Short-Term Loans

If other options don’t work, short-term loans like title loans or payday loans can provide fast cash when you need it most.

Title Loans – Use your vehicle title as collateral and get up to $15,000.
Payday Loans – A short-term loan based on your next paycheck, with fast approval and minimal requirements.

Need urgent cash? Apply for a Title Loan or Payday Loan now!

How Title Loans and Payday Loans Can Help

At Title and Payday Loans, our lenders offer various short-term loans. They make sure that the process for each loan is fast and convenient because they don’t believe that anyone should go through a lengthy and complicated process just to access the funds they need.

Here are our short-term loan options:

calculator with urgent expenses and notices

What Are Title Loans?

With title loans, a lender will use the value of your vehicle to determine the loan amount you can borrow, which can be up to $15,000. You can begin the process with us online then we will connect you to one of our licensed lenders nearest you. They will inspect your car and documents, finish up the process, and if approved, get you the cash you need later that day or the next business day.

What Are Payday Loans?

A payday loan is another short-term loan that can get you the emergency cash you need. If you have a financial emergency that can’t wait until your next payday, you can avail of our payday loan where requirements are minimal, and once approved, you get the money as soon as the same day.

To get started on either of these loans, just fill out the quick online form here at TitleAndPaydayLoans.com and we will have one of our agents give you a call.

Get started today! Fill out our online loan form, and a representative will call you shortly.

Discover Your Best Financial Options Today

We all go through situations wherein we have to face urgent expenses. While it’s a difficult situation to be in, know that there are many financial options for all credit types that you can explore such as earning extra income, inquiring about a payment plan, using credit cards, and looking into short-term loan options.

If you are short on time and would like to learn more about the loan options mentioned above, simply contact TitleAndPaydayLoans.com to get speak to a loan representative today.

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