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Paying for Emergencies When You Don’t Have an Emergency Fund

How Flex Loans and Title Loans in Kansas City Can Help

car title loan to help with emergencies

Sometimes life catches us by surprise, and no matter how carefully we plan, emergencies can just happen. Emergencies can include suddenly getting laid off, getting into a car accident, or you or a loved one suddenly getting sick and having to go to the emergency room. According to a recent survey by CNBC, only 41% of Americans would be able to pay for a $1,000 emergency with their savings. That leaves 57% of Americans who had to find different ways to pay for sudden expenses. However, many emergencies, on average, can cost more than $1,000. According to the Health Care Cost Institute, the average cost of an emergency room visit was $1,389 in 2017.

If you need to pay for an emergency, and you don’t have an emergency fund, or if the costs went beyond your savings, there are still many options to cover the costs.

Take Out a Loan

You can take out personal loans, although many require credit checks, a good credit score, and it can take some time for you to receive the money. If you have a low credit score, low credit loans are an option, but you’ll pay a higher percentage of interest.

Some lenders offer loans and don’t require credit checks, such as Midwest Title Loans in Kansas City, which offers short-term loans secured by your vehicle’s title. Our title loans are useful if you need a quick loan and quick cash and, since we don’t require credit checks, you can get approved the same day and use the money for anything you need.

We also offer a flex loan option, which is another line of credit that also uses your car as collateral. As long as you don’t go over your credit limit, it allows you to have money available whenever you need it. You must pay interest based on how long you borrowed the money, but it’s calculated daily.

Borrow from Friends or Family

It’s not always easy to ask for help, but sometimes your friends and family are more than willing to help you out in emergencies. Be sure to make it clear if you’re asking for a loan or if they’re giving you a gift, since having unpaid debts can strain relationships with your friends and family. If they’re giving you a loan, make sure to work out how you can repay them.

Pay with Your Credit Card

This should be an option to cover emergencies that should be approached with caution. A credit card can be useful in emergencies, but just make sure you can pay for them, as interest can quickly add up. You could even look into opening a new credit card account, which can have sign-up bonus offers like cash back after spending a certain amount.

Sell Items

Look around at the things you own, and sell the things that you don’t need. You list your items on eBay, Craigslist, or Facebook Marketplace, or go to your local pawn shops to sell your things. Things to consider selling include clothes you no longer wear, old electronics, books, jewelry, or even furniture.

Pick Up Extra Work

If you can work after your emergency, one of the best ways to get more cash is to work more. See if you can work overtime or pick up an extra shift. You could apply for other jobs, including gig work, like driving for Lyft or Uber, or delivering food. If your emergency requires you to stay at home, you can also find work online as a freelancer on Upwork or Fiverr. You could even teach English online. There are many platforms to choose from, and many don’t require experience in teaching.


Many people have used crowdfunding sites like GoFundMe to help pay for medical expenses and other emergencies. If you’re willing to put yourself out there and share your story, you might be able to find other people who are more than happy to help you out. You could also ask your friends and family to share your link to reach more people.

Look for Assistance from Government or Nonprofits

Depending on the emergency, you might be able to qualify for assistance from the government, nonprofits, and other financial aid organizations. Some medical emergencies can receive discounts or even charity care from hospitals. Other organizations can also help you if you need food, legal, employment, or even transportation assistance. Be sure to check with your local government office and check on other resources who may be able to help you.

If you find yourself going through an emergency with no savings, there are still many ways for you to cover your expenses, and we at Midwest Title Loans are more than happy to help you. We can go over your options with you and find the best short-term loan for your needs. To get started, visit us today at one of our Kansas City locations, or fill out our online application.


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330 W. 85th Street
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