Emergency expenses pop up when we least expect them to and warrant the need for an emergency loan. Fortunately, several types of emergency loans can help you out if you don’t have an emergency fund. Personal Loans: A personal loan is essentially an installment loan. You’ll receive a lump sum of money and have to pay it back through a fixed monthly payment. Personal loans offer you the chance to borrow anywhere from a few hundred dollars to tens of thousands of dollars. Credit Card Cash Advances: With a cash advance, you use the available balance on your credit card to take out a loan. Your credit card company will charge you an interest rate and processing or origination fee. The interest will begin to accrue once you take the money out so make sure you only borrow what you need. Payday Loans or Payday Advance: Payday loans are short-term, small-dollar loans that you must repay with your next paycheck — hence the name payday advance loans. These loans usually have more lenient requirements than those for personal loans and may not require a credit check for approval. These loans charge triple-digital interest rates. Title Loans: If you own a car free and clear, you can use its title to take out a title loan. With title loans, the value of the car dictates the loan amount. Make sure you can repay it in full or the lender has the right to seize the car. Pawn Shop Loans: You may consider a pawnshop loan if you own a piece of jewelry, musical instrument, or another item of value. A pawnshop will keep your possession as collateral and sell it if you can’t pay back your loan.