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How to Get Financial Help


In life, you will find yourself in a situation where you need some financial help. It could be as a result of unforeseen medical bills, job loss or unexpected business repairs.

The best way to deal with such expenses is to have an emergency fund. Governments have them; you should too. Here are tips on finding financial help.

The first step in getting financial is to determine how much you need. Ideally, you should get an amount that is equal to what you want.

For some institutions, you may need to add taxes and the cost of “buying” the cash.

After deciding handling the above preliminaries, decide on the option that can offer you the amount.

1. Terms and Conditions

Any kind of financial help comes with conditions – written or unwritten. You really need to read and understand what is expected from you.

Ideally, written terms and conditions are best as they protect and are signed for by both parties. Before signing up, make sure you understand the repayment period, interest rate and penalties for default.

2. Get Collateral

After determining the amount of money that you need, look for collateral. All kinds of loans have collateral.

For loans from family and friends, the collateral is your relationship; it is strained if the loan is unpaid.

In essence, you are more likely to get loans if you have collateral that has money value. It shows the lender that you are really willing to pay back the amount.

3. Family and Friends

Friends and family will always have some money that they are not using. You can tap into this pool of money by asking for cash for your friend and family.

With this source of cash, there are really no papers to be signed or many complicated terms and conditions.

You may not need any kind of security to get the cash. However, you risk straining your relationship with family and friends if the cash is unpaid.

Here are some options to explore:

4. Credit Unions

A credit union is more or less a bank that is owned by people who have a common agenda. Members can get emergency loans or any other loan which are secured by other members.

Non-members can get loans from credit unions at a much lower rate than banks charge.

5. Peer to Peer Lending

Peers are more or less friends or colleagues at work. Getting cash from them is less stringent unlike financial organization.

However, none of these individuals is looking forward to lose cash and may ask for security.

6. Home Equity

If you have a house, you can use it as collateral to get financial help. Until you pay up the loan, your share of the house will belong to the lender.

7. Payday Loans

Payday loans or salary advance as they are called, are loans that are extended to salaried people. They are often due on the next pay day.

The collateral for these loans is your pay slip. The interest rates for payday loans are often extremely high; however, they are easy to access.