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What Are Emergency Loans?

If you do not have enough savings to cover an unforeseen expense, an emergency loan can help you by providing immediate financial assistance.

Some common types of emergency loans include credit card cash advances, car title loans and payday loans, but you should know that these types of loans can be extremely expensive.

If you’re considering taking out an emergency loan, then please consider getting a low-cost emergency loan through credit union, like the Credit Union of Southern California (CU SoCal).

At Credit Union of Southern California (CU SoCal), we make getting an emergency loan easier.

Call 866.287.6225 today to schedule a no-obligation consultation and learn about our emergency loans, personal loans, checking and savings accounts, and other banking products.

As a full-service financial institution, we look forward to helping you with all of your banking needs

In this article, we’ll outline everything there is to know about emergency loans, including how you can use them, where to get them, and more.

Get Started on Your Emergency Loan!

What Can I Use an Emergency Loan For?

Be it home or property damage, costly car repairs, medical expenses, unexpected job loss, or unanticipated trips, an emergency loan provides the financial flexibility needed to overcome a significant financial challenge.

What are some common reasons people need emergency loans?

Paying Off Debt

Many individuals choose to apply for an emergency loan to consolidate their debt, as doing so can lower their interest rates and provide greater flexibility with repayments.

However, before taking out an emergency loan, it’s important to read the emergency loan terms. Some emergency loans have hidden fees and variable interest rates, meaning the emergency loan may end up causing more harm than good.

Paying Bills

An emergency loan can provide financial relief and help individuals meet monthly debts.

If you find yourself having to decide between essential expenses, like putting food on the table or keeping the lights on, then it’s probably time to consider an emergency loan.

Unexpected Emergencies

Loans acquired through a credit union's emergency loan service can support you through unexpected incidents in your life, like an unfortunate accident, a medical expense, or even the death of a loved one.  

In a dire situation like this, talk to the credit union of your choice and ask for an emergency loan.

Why Choose CU SoCal For Your Emergency Loan?

CU SoCal offers far more than emergency loans; in fact, we’re a full-service financial institution that offers a range of personal banking services, including personal loans that can be used for emergency loans.

How Do I Apply For An Emergency Loan?

Applying for a CU SoCal emergency loan is quick and easy.

To apply, make sure you have the following on hand:
  • Your Social Security Number
  • Driver’s License, State-Issued ID or U.S. Passport
  • Credit or debit card or checking account number to transfer funds
Then, feel free to call us at 866.287.6225 or apply online here.

Why Savvy Consumers Choose CU SoCal

For over 60 years CU SoCal has been providing affordable credit and financial services, to those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County.

Please give us a call today at 866.287.6225 today to schedule a no-obligation consultation with one of our personal loan experts to discuss your emergency need.

Get Started on Your Emergency Loan!

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Credit Union of Southern California (CU SoCal) is a leading financial institution empowering those who live, work, worship, or attend school in Orange County, Los Angeles County, Riverside County, and San Bernardino County to reach their goals and build strong financial futures. CU SoCal provides access to convenient money management services and offers competitive rates and flexible terms on auto loans, mortgages, and VISA credit cards—turning wishing and waiting into achieving and doing.


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