 TITLE: Emergency Loans: Where to Get the Best Ones CONTENT: What You Need to Know if You're Considering an Emergency Loan\n-------------------------------------------------------------\nAn unsecured personal loan does not require you to provide collateral to receive the funds. Lenders typically let you use personal loan funds for almost anything, which means they can help during a variety of emergency situations.\nThere are a few additional fine points to know as you look for a personal loan:\n*   **Your state of residence can be important.** Some lenders don't offer loans in certain states. The minimum and maximum loan amounts and fees can also depend on what state you reside in.\n*   **Interest rates can vary widely.** Lenders often have large interest rate ranges, and you may wind up getting offered a rate that's much higher than what you'd pay on a credit card.\n*   **There's no guaranteed loan amount.** While lenders may offer \"up to\" a certain amount, that doesn't mean you'll get approved for the entire amount you request.\n*   **Look closely at the fees.** Many lenders advertise that they don't charge application or prepayment fees. But often you'll still need to pay an origination fee.\n*   **Funding speed can vary.** You may be able to get funds in your account within one or two business days. However, the timing can depend on when you submit your application, how long it takes to verify your information and the bank where you want the money deposited.\n*   **Find a reputable lender.** All loans are a contractual commitment, so be mindful of the fine print, payment terms and interest rates. Make sure to research and pay attention to consumer reviews of loan providers. This could help you avoid predatory lenders or unfavorable terms.\nIf you've considered your situation and believe an emergency loan is the right solution for you, the four online lenders noted above could offer quick unsecured personal loans with potentially low interest rates. END