Emergency Loans For Single Moms

Often more times than not, we get ourselves into a situation where we can’t afford to pay our bills, we’ve lost our jobs due to life getting in the way, and there just doesn’t seem to be anyway to get out of the situation.

It seems that things just never work out the way they should, even when you give it your best. It’s these times they require emergency loans for single mothers, but the big question here is: Where can a single mom, working a low income job, with non adequate housing in some instances, obtain such a loan? It’s not like you can walk right into your local community bank and get a personal loan to cover your needs – that’s just not likely to happen when you barely make enough to cover your costs now (if at all) and with the probability of your credit being horrible from past mistakes and so on, well, it’s most likely that the bank or lender won’t even touch you with a ten foot pole. What’s worse is that sometimes, you may not even have family to turn to and ask for help, and sometimes, in cases where you do, it’s quite likely that they don’t have the extra funds themselves. So how do we find emergency loans when we need them the most?

Well, the first thing that you need to determine is this: what kind of loan do you need and how much money do you need? There are a couple of options for those who have unsatisfactory credit and exploring these options will benefit more-so than not following through at all.

Payday Loans For Single Mothers

If you require less than $2,500, then payday loans for single mothers is one of the first types of loans that you will want to consider. Even if you have bad credit, you can still qualify for an emergency cash advance (same thing as payday loan) if you meet the following criteria:

  • You have a stable job and can show proof of income with paystubs
  • You have a Social Security Number
  • You have a checking account

These are just three of the minimum requirements that you will need in order to get a payday loan. Now keep in mind that payday loans can carry hefty interest rates, sometimes as high as 700% APR. For some single mothers, this can seem unreasonable, however, for others, they are just happy to get the loan that they are in need of. Here are a couple of tips to follow when choosing a payday loan provider:

  • Try to negotiate with the payday loan lender on the APR
  • Find a payday loan company that will allow you a longer period of time to pay the loan off
  • Make sure the lender is reputable and has good reviews online

If you need a payday loan, don’t hesitate to get one, just keep in mind the tips that we mentioned and be sure to pay the loan back as outlined in their terms of service.

Auto Title Loans For Single Moms

This next loan is kind of ‘iffy’. The reason I say that is because most single moms don’t have an extra vehicle laying around that they can spare. However, if you do, listen up to what we are about to say. An auto title loan is the process of you giving your car title loan to a ‘lender’ for collateral who in turn gives you a ‘loan’ When you get these types of loans, you usually can only get 50% or less loan value on the car. Which means if you’re car is worth $5,000 on kelly blue book, you might qualify for a $2,500 loan depending on the lender. Also, you must own the vehicle before you negotiate an auto title loan. (It’s highly recommended). Once you obtain the loan, the lender holds your title and you make monthly payments to them, including interest on the loan, until it’s paid off. You can find auto title lenders at used car dealerships, pawn shops, and some payday loan centers. If you fail to pay the loan, the lender has the right to keep your car, just so you know.

Student Loans For Single Mothers

It may be possible that you don’t even need an emergency payday loan. Quite possibly, you may just need student loans for single mothers, so you can go back to school, earn your degree, and get a high paying job. In fact, we hope that you choose this option instead of burying yourself deeper in debt by getting loans. These types of loans are issued by the government and do not have to be repaid until 6 months after you graduate. And because you’re a single mother, and most likely experiencing financial hardship, you will quite likely qualify for pell grants for single mothers, which gives you a maximum of $5,000+ for each annual term (as of 2011-2012) Couple the grants with scholarships for single moms, and you may not even have to pay for school at all.

Home Loans For Single Moms

Looking for a first time home for single mothers? Many families find that home loans for low income families is possible once they research the options. Even though mortgage lending has tightened when it comes to originating mortgages and giving them out, it’s still possible to get a home loan through FHA (Federal Housing Authority).

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21 Responses to Emergency Loans For Single Moms

  1. CHERYL K says:


  2. Racheal Foust says:

    Looking for help to pay last months rent and beings its a new month, this months also beings my boyfriend up and moved out and decided not to help. Im struggling to find a job and have three girls at home.

  3. Racheal Foust says:

    I’m looking for rental assistance for past and current month, because of family problems, and also work.

  4. Nicole Hennessey says:

    All the schools around me don’t accept federal loans… I’m a single mother who can get grants to pay full amount for schooling. I need help funding the relocation and starting up cost to an area with a school that will accept my aid.

  5. priscilla says:

    Hi! My name is priscilla I am 19 years old with a 3 year old a 1 year old and a 1 month old currently living with my baby father and father in law my baby father is no longer the man he was he is not providing and just laying around letting bills pile and letting me pay and buy everything with my cash assistance from welfare. And my father in law in constantly yelling at my children just because their simply playing. And to top it all off they both are letting this house slip between there fingers, the state is ready to take this house. And I need help fast I’m through with all of this and need to get away and get on my feet butt i just need a break and some help for once as soon as possible. I have no one I’ll s just me and my 3 kids. Everywhere I tryed to apply for low income housing has waiting lists that will take years. Please contact me with any info that would be of assistance for me.

  6. kimcolson says:

    Please,,I need help today,,,my landlord kicked me and kids out ssyin.I owe money from almost a year ago,,I got evicted,,,I have to be out in 24 hrs,,,my number is 317 653 8741—-please help,,im in.Indianapolis indiana,,,,this ainta joke,,,im really homeless and scared to death,,we have nowhere to go

    • Mark says:

      Give a call to the Indianapolis Marion County Salvation Army, which can be reached at 317.937.7000. It provides emergency assistance for paying bills; emergency shelter and housing aid for women and women with children who seek safety from homelessness and/or domestic violence, senior programs, and many other services. I hope they are able to help you quickly.

  7. samantha says:

    my name is samantha. i am i need of help as soon as possible. i have tryed everything. this is seriously a emegency life situation as a mother of 3 children. and no income whats so ever .my kids are 6,4,2. i am 24 years old. and am currently still married. 6 in a half years of marriage. this is a very tuff and sad situaton for me and my family. but we are on the merge of a divorse and he was the provider and i was the homemaker. child care was way to expensive. we are to be out asap at our current place we have lived intogether. witch i can not even try to pay by myself. i have no family members that can finicaily help me or even close to where i live. please i have had a fiew eviction notices. landlord has extended my 30 day eveiction already. so i could figure out something and how to pay for a home for me and my children and ext. now we are again at the end of the month and i have become stressed and helpless. please contact me or give me a number or place to contact. i live in hutchinson ks . my number is 620-474-0216 .


  8. Bobby G. Rubin Sr. says:

    Need and Emergency $1200.00 Loan Quickly. “NO SCAM”

  9. Patricia says:

    I need emergency a loan to buy a car and pay my aparmenrt its new adrees

  10. Arroa Scott says:

    I am a single mother, and as of this time I’m am staying with family.so that my son and I aren’t on the streets. I do have a job, but I cant come up with enough money to pay for deposits and rent all at the same time. so there for I need some help… if someone can pint me in the right direction, so that my son and I can get our own apartment. I would greatly appreciate it… Thank you in advance..

  11. Sandra Pagan says:

    Im in need of a small loan less than $600.to buy a use vechile so i can be driven by my daughter to and from doctors & other medical locations.

  12. angela pederson says:

    I really need help. My son was murdered and muy home became acrime scene. I moved to be close to my family im so lost. I just stoppex working after forty years im tramatised. Ive also been beaten started on fire chained up shot beaten so bad i was unrecognized. I finally got a house in south western mn. I had to apply for disablity due to ptsdsevere depression goraphobia i really need help financial thank u for your time

    • Tia says:

      I put your comment on kizzys on accident.. Sorry about that angel I was saying we went t0 victims of violent crimes and got financial help when my brother was killed.. They help with medical bills to. Hope this helps

  13. Caryn Bartley says:

    I am now homeless with 3 kids and scared to death because I have no idea what to do. I live in sevierville Tennessee please help

  14. Kizzy says:

    Hello I am a single mother with a 12 year old an a three year old an is currently 3 months pregnant sleeping in my car thats about to get reposed was i was in an abusful relationship with my 3 year an unborn baby father. I work but don’t get many hours. My AC don’t work every well have to park in random places to try to get some sleep. I just would like to get help to pay for a room for me an kids until I can get back on my feet. Please help us get out this car not sleeping very well some nights I get no sleep an driving around all day sleepy is not good when I have my kids I have caught myself falling asleep sometimes at the lights a drive thrun window when people give us money to buy food. I have a high risk pregnancy so need sleep can’t take bath cause have no where to take a bath at. Family want help cause they just don’t have it to help with

    • Tia says:

      You should definitly contact victim of violent crimes.. Asap.. They can help with everything.. There usually located in City Hall and they helped us bury my brother a few years ago when he was murderd or they’ll reimburse you if you get loans.. We had to leave the area due to the house getting shot up. but they will help.. Hope this helps

  15. Tiffany says:

    I’ve contacted the women’s resource center in petoskey Michigan and a lot of other places, need $1,500 to move my kids and I back to Michigan, need a uhaul. Been talking to churches,family,friends. Please help us.

  16. Tia says:

    Sorry about that kizzy I meant that message for Angela.. I just went threw what your going threw now with two young kids when we had to flee for our lives. Please find a shelter asap. I wasn’t pregnant that just makes it even more dangerous for you out there like that.. Pan Handling wont provide the nurishment you need for the baby.. And many times people jus pass you by.. 🙁 Even when standing out there with small children. I hate what were going threw hate it!! But they have special homes just for pregnant women as well as shelters that will help you get low income housing.. Go asap to the nearest Library and google shelters, Transitional is good for 1year to two years.. And homes for pregnant single moms in your area or the closest to you area.. I hope this helps God bless you Sis..

  17. Shaleah says:

    Last June I lost everything my job, wrecked my car, my husband, my home,and my son moved w his dad and I kept telling myself it’s OK you’ll be fine keep on trying gotta keep going and I got a house and I got everything in order w a smile on my face but the truth is I need help I just got kicked out this month because I can’t hack it by myself I used to raise my sisters kids idk why I can’t do it now I had seven kids before while pregnant now I have three I’m getting so upset I can’t take it no more I am willing to do anything for someone to help me I let my baby stay with his dad and it hurts my heart so much my oldest son is coming to visit on the 19 th I just want to be a good mom that’s all I want I need a vehicle and I can do the rest I can work for it pay back whatever the case but I really don’t know what to do I am out of options I’ve been walking and half of my feet are blisters but still limping a mile to store everyday so I will be able to carry sacks of food I’m so tired of it I am a good woman and I keep trying to do right but simple everyday thing has to take a very long to for me to do I feel like a failure but still talking myself into hang n there I am but barely

  18. Deborah stotler says:

    I am a single mother of a nine year old daughter. I am on disability as well.tthe night of Halloween our house burned down all we had was the costumes we had on we lost our three dogs in the fire as well I have got donations but I can’t possibly come up with the money to get a new place I really need some help

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