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Watch bad credit emergency personal loan in the United States: If you need money urgently OR emergency debt consolidation loans and emergency student loans this video might help you. An emergency loan is a term that refers to various distinct means of obtaining cash for sudden, unexpected needs. A personal loan is one of the most popular sorts of emergency loans—and often one of the most affordable ones. A cash advance, a high-cost payday loan (avoid these if possible), a loan from a friend or family member, or a lower-cost payday alternative loan (PAL) from a credit union are all examples of emergency loans.