OneMain Financial: How to Get an Emergency Loan Without a Bank Account
OneMain Financial: How to Get an Emergency Loan Without a Bank Account
NEW YORK, NY / ACCESSWIRE / August 27, 2024 / As commonplace as it may seem to have a bank account, not all Americans do. According to a 2021 survey by the Federal Deposit Insurance Corporation (FDIC), about 4.5 percent (5.9 million households) of Americans don't have a bank account for one reason or another.
儘管銀行帳戶似乎很普遍，但並非所有美國人都有帳戶。根據2021年聯邦存款保險公司（FDIC）的調查，大約有4.5%（590萬戶）的美國人沒有銀行帳戶，出於各種原因。
Due to this, it may be challenging for these individuals to get emergency loans when they're in financial distress. However, though options may be limited, there are a few ways they can still get funding, even without a bank account.
因此，對於這些人來說，在經濟困境時獲得緊急貸款可能是具有挑戰性的。然而，即使選擇有限，他們仍然有幾種方式可以獲得資金，即使沒有銀行帳戶也可以。
Loan Options That Don't Need a Bank Account
無需銀行帳戶的貸款選擇
Here are a few places to get a loan without a bank.
以下是幾個可以獲得無需銀行帳戶貸款的地方
1. Payday Loans
1. 發薪日貸款
A payday loan is a short-term loan (typically two weeks) where the lender will essentially provide an advance on an upcoming source of income, such as a paycheck from an employer, pension, or Social Security. Payday loans may provide immediate cash payments but typically charge an interest fee based on the amount owed, which can range from $10-$30 for every $100 borrowed.
發薪日貸款是一種短期貸款（通常爲兩週），在此期間借款人可以從僱主的工資、養老金或社保等即將來臨的收入來源中獲得預付款。發薪日貸款可能會提供即時的現金支付，但通常會根據所欠金額收取利息費用，利息費用可從每借100美元收取10-30美元不等。
2. Car Title Loans
2. 汽車抵押貸款
A car title loan is a secured loan where the borrower gives their vehicle title to the lender as collateral - something of value that the lender could seize if the loan is not repaid. The borrower may typically have approximately 15 to 30 days to repay the loan, or the lender can legally take their vehicle and sell it to recoup the funds.
汽車抵押貸款是一種抵押貸款，借款人將其車輛所有權轉移給貸款人作爲抵押品-一件有價值的東西，如果貸款未償還，貸款人可以查封並出售該車輛以收回資金。借款人通常有大約15至30天的時間還款，否則貸款人有權合法地拿走他們的車輛並出售以收回資金。
These types of loans may offer quick cash payments. However, the APRs on these loans may be substantially higher than a personal loan or credit card, and some lenders may also charge additional origination, processing, and document fees as well. Plus, keep in mind, car title loans aren't available in all states and you may need to own the vehicle outright.
這些類型的貸款可能會提供快速的現金支付。但是，這些貸款的年利率可能比個人貸款或信用卡高得多，一些貸款人還可能收取額外的起草、處理和文件費用。此外，請記住，汽車車輛貸款並非在所有州都可以獲得，您可能需要完全擁有該車輛。
3. Pawn Shop
3. 典當店 典當店是衆所周知的地方，人們可以將個人物品作爲抵押品以獲得現金貸款。然而，這些貸款是有風險的，因爲如果借款人不能按時償還，他們可能會失去財產。貸款金額也往往只是抵押品價值的一小部分。
Pawn shops are well-known places where people may use personal items as collateral to get on-the-spot cash loans. However, these loans are risky because if they're not paid back in time, the borrower may lose their property. The loan amount is also often a small fraction of the value of the collateral.
4. 親朋好友 作爲最後的選擇，個人可以向他們的親朋好友尋求在真正的金融緊急情況下的幫助。然而，必須盡一切努力及時償還他們。否則，可能會對個人關係造成重大損害。
4. Friends and Family
如何獲得更好的貸款選擇 在沒有銀行帳戶的情況下獲得合理的個人貸款可能會有一定的挑戰。OneMain Financial提供靈活的條件，並在批准貸款後的一小時內提供資金。爲了獲得一小時資金，OneMain要求借款人擁有銀行發行的借記卡。
As a last option, individuals can ask their friends and family for assistance during true financial emergencies. However, every effort must be made to pay them back promptly. Otherwise, it could cause significant damage to the personal relationship.
對於信用歷史不佳的個人，許多金融機構提供「第二次機會銀行帳戶」，以使他們能夠獲得銀行服務。雖然這些第二次機會帳戶可能比傳統銀行帳戶更有限並且有更高的費用，但開設這種帳戶可能會帶來更好的貸款選擇。
How to Get Better Loan Options
3. 典當店
Getting approved for a reasonable personal loan without a bank account could be challenging. OneMain Financial offers flexible terms and may deliver funding in as little as one hour after closing on an approved loan. To qualify for one-hour funding, OneMain requires the borrower to have a bank-issued debit card.
4. 親朋好友
For individuals with an unfavorable banking history, many financial institutions provide a "second-chance bank account" to give them access to banking services. Though these second-chance accounts may be more limited and have higher fees than what a traditional bank account may offer, opening this kind of account could lead to better loan options.
如何獲得更好的貸款選擇
The Bottom Line
結論，從股利的角度來看，投資者是否應該買入或避開傑克遜金融公司？傑克遜金融公司的每股收益近年來增長緩慢，公司將超過一半的利潤再投入業務中，這通常對其未來前景有益。總的來說，在此次分析中，傑克遜金融公司看起來是一個有前途的分紅股票，我們認爲值得進一步調查。
Though it's possible for someone to get a short-term loan without a bank account, they may be limited to options like expensive payday loans and car title loans. Those in this situation may want to apply for a second-chance bank account so they can possibly have access to more options to meet their financial needs.
雖然有可能在沒有銀行帳戶的情況下獲得短期貸款，但他們可能會受限於昂貴的發薪日貸款和車輛抵押貸款等選項。處於這種情況的人可能希望申請第二次機會銀行帳戶，這樣他們可能就能夠獲得更多選擇以滿足他們的財務需求。
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About OneMain Financial
關於onemain
View Website
查看網站
OneMain Financial is the leader in offering nonprime customers responsible access to credit and is dedicated to improving the financial well-being of hardworking Americans.
OneMain是爲非Prime客戶提供負責任的信貸准入的領導者，並致力於提高努力工作的美國人的財務健康。
CONTACT:
聯繫人：
Sonakshi Murze
Manager
sonakshi.murze@iquanti.com
Sonakshi Murze
經理
sonakshi.murze@iquanti.com
SOURCE: OneMain Financial
來源：onemain財務
譯文內容由第三人軟體翻譯。