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Using emergency loans is really a last resort for most people. If at all possible consider getting a secure loan, using a credit card or even borrowing from family if possible. If you do use an emergency loan service try to work with a well known company that is located in your area.
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Only take out an emergency loan for the amount of money you actually need. Many emergency loan companies will offer the full $1,000 maximum, but sticking to just what you need will prevent you from getting into a borrowing cycle.