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When you are unemployed during a pandemic, money is tight. Fortunately, there are solutions for those who need emergency cash with no job! 

Whether you choose a lender, or rely on unemployment insurance services, there are options to help you get back on your feet. As the effects of the pandemic continue, many are left wondering how to make ends meet. Consider applying for an online title loan through Max Cash® Title Loans! Borrowers that receive eligibility can get their cash in as little as one business day.1 2 5 Applying can take just a couple minutes to do online! 

To learn more about your emergency cash options and unemployment benefits, keep reading below.

Coronavirus Unemployment Updates and Finding Emergency Cash With No Job

As the COVID pandemic continues, there has been government action concerning who is eligible for unemployment benefits. Previously, those who were self-employed or simply had their hours cut due to the coronavirus pandemic would not qualify. However, they can potentially receive extended unemployment insurance now. 

While each state has its own unemployment insurance benefits eligibility rules, there are general guidelines. Generally, unemployment insurance is for those that are unemployed due to no fault of their own. This means, they have not been fired due to negligence, or other means. Instead, it means separated from your employment due to lack of available work or downsizing because of the pandemic. 

The CARES Act was meant to provide coronavirus aid, or financial assistance to those that were impacted by the pandemic. Typically, the average person on unemployment benefits can earn an average of $378 a week depending on their previous employment. While the benefits can be helpful, the backlog for them is tremendous, and it can take months to receive them. 

Emergency Loan Solutions for When You Have No Job

While you are waiting for your unemployment benefits, there are other emergency loans to consider. There are many different types of emergency funding solutions, and they can be short term or long-term loans.

Payday Loans When You are Unemployed

Payday loans are one of the most common types of emergency loans. Generally, payday loans do not require a high credit score, or even a credit check. They can work when you need emergency cash and have no job. 

Payday loan lenders will require you to have a positive bank balance, however. Some lenders will let you use your unemployment benefits as proof of income as well. While these are short- term loans meant to last two weeks or so, they can have long term consequences. Many lenders charge fees for borrowing cash, and the interest rates can be very high. Payday loans have an average APR (annual percentage rate) of over 300%! In comparison, most credit card companies have an interest rate of 12%-30% on average. High interest rates and high monthly payments can hurt your economic security in the long run! 

Personal Loans

Personal loans can be a way to get emergency cash fast from:

  1. A Bank
  2. Credit Unions, or
  3. Online Lender

Personal loans are often for those with decent to excellent credit scores, as borrowers with bad credit are often turned away. Your monthly payments are based off of your income and can be paid off for a period of time. Personal loans can be short term loans, or long-term loans depending on the lender. 

Your income will matter in the eligibility process! And so, if you are unemployed, this may not be the right option. 

Home Equity Line of Credit

When you are a homeowner that needs emergency cash, you have a helpful resource to turn to. Home equity lines of credit, or HELOC, can be a great option to turn your asset into funds! A HELOC can be a better fit for those who have financial needs that are spread over time. Meaning, you would prefer flexible access to the equity in your home and take it only when it is needed. 

One of the drawbacks to choosing a home equity line of credit is that there are risks. Foreclosure is a possibility if your income is unstable, or you are unemployed. Be mindful of how you can repay your HELOC if you use it for emergency cash. Otherwise, the repayment process could be harmful to your economic security.

Cash Advance with A Credit Card 

When you are a credit card holder, there are ways to tap into your line of credit. Many credit card companies can offer a line of credit for emergency cash!

While a cash advance can be fast and convenient, there can be risks. Often, they can come with high interest rates that could hurt your credit score. If you are choosing a cash advance to serve as a way to get fast cash, weigh all of the pros and cons first!

Retirement Accounts or IRAs

If you have a 401(k)-retirement account or IRA, you may be able to tap into it early. The CARES Act can allow people to borrow from their retirement accounts, without withdrawal penalties! However, if you take a hardship withdrawal from your retirement account, you will deplete your retirement savings account early. 

Consider a Title Loan When You Have Bad Credit 

If you are unemployed, your credit may have taken a nosedive. When this happens, you may want to explore all of the solutions out there. Title loans were created to help those from all financial backgrounds! Including those who need emergency cash with no job. Title loans work by using the title to your vehicle as collateral. Some lenders will allow you to use your unemployment benefits as proof of income when you are struggling with financial security.

How Can Max Cash Title Loans Help Connect Me to Emergency Cash With No Job?

Max Cash has helped thousands nationwide get connected to the right lenders. 5 If you need emergency cash and have no job, Max Cash Title Loans is here to help! 

We are available seven days a week to help connect you to lenders across the United States. 5 Temporarily, we can accept your unemployment benefits as proof of income during the eligibility process! Find out if you can qualify today when you apply online. Or, apply through a representative over the phone!