The Ultimate Financial Emergency Checklist
A financial crisis can strike for anyone at any time. There’s no getting around it. Whether it’s an unplanned trip to the hospital in the middle of the night or a natural disaster, eventually we all find ourselves confronted with emergencies.
While no one can predict the future, it’s fair to say you can expect to encounter one unplanned obstacle or another and the financial demands that come with it. Let’s take a moment to review some hacks to help keep you prepared. We’ll also cover how you can secure up to $15,000 in emergency loan money through Texas car title loans.
Personal ID and Vital Records
It may not be the first thing you think about but you should. In times of disaster access to critical documents is essential. Just think about it, when things go wrong, you need the documentation so you can access the financial security they provide.
Personal ID. Every member of your family should have one. You may keep your driver’s license in your wallet but keeping a copy with your other documents can really help out in a pinch.
Contact List. In a world filled with cell phones, this item may seem a little strange. What happens when the cell phone gets broken, lost, or stolen? How about when it just doesn’t work? How will you find important contact information, how will you get in touch with the people that can help? It’s good to keep a current copy of your contact list with your emergency documents. Be sure to include addresses, too.
Critical Medical Information. This one speaks for itself. Many times, the financial emergencies we face are because of medical emergencies. Insurance cards, life support contacts, and instructions keep these items easily accessible.
Pet Information. Many times we encounter unexpected pet emergencies. In any case, they depend on you to be prepared for them too by collecting their tags, chip info, and vaccination records are basic requirements. If you need to travel in a pinch, make sure you have the necessary certifications and letters nearby. Airlines tend to have a lot of restrictions.
Insurance. EFFAK - The emergency financial first aid kit supplied by FEMA highly recommends securing insurance wherever appropriate. Home, health, life, even pet insurance is available. Just like a warranty, good insurance can soften the financial blow.
It’s not a very long list but these are the big-ticket items that may help save your life or the life of a loved one. What happens when life catches us unaware? Thankfully there are a couple of good options to get us through when the bomb drops.
What Loan Options Are Available?
In times of need, payday loans online and car title loans may be an option to help you make ends meet. Fast, easy to apply for, and even easier to obtain, these loans can be acquired on the same day that you submit your application.
Even better, your credit score isn’t taken into consideration to determine your eligibility. We welcome all credit scores. Maybe your moving and expenses ran over budget. Medical emergencies, car, and home repairs are just a few of life’s little surprises that can catch you when you're not looking.
Online Payday Loans
Online payday loans are short term loans designed specifically to get you to the next paycheck. In order to obtain a payday loan where you can get up to $1,200, you only need to be employed and you need to be able to prove this employment through your most recent paystub. You can get started by filling out an online form, after which you’ll receive a phone call from a representative who will schedule a meeting with you. You’ll be asked to provide the following pieces of information:
- Your most recent paystub
- Your driver’s license
- A blank check to your bank account
That’s all you need to supply and the amount you receive is dependent upon your employment! If you find you need more than a payday loan can give you, title loans are an option that will allow you to secure more money.
Car Title Loans
Title loans are a loan that allows you to secure up to $15,000 after completing your application which can take as little as 30 minutes to complete. Title loans, like payday loans, require very little paperwork in order for you to secure your loan. All you need to supply is:
- Your driver’s license
- The title to your vehicle
- A blank check to your bank account
- Your car for inspection
The application process is painless, easy to navigate, and we’ll walk you through the entire process if you have any questions or concerns.
Just remember – emergencies happen to everyone but there are ways to help you get through whatever it is that you’re facing. Don’t waste time searching for title loans near me. Just click over to the homepage and start your application 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.