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Finova Financial provides secured emergency loans using your car as equity. To qualify, you need to own your car in full and also have both comprehensive and collision insurance. Loan amounts can be anywhere between $750 and $5,000 and you’ll have 12 months to pay it back. Funding is fast, but interest rates are above average.
On top of that, you’ll be charged several financing fees at the beginning of your loan, which are usually rolled into the principal balance. On the plus side, there’s no prepayment penalty if you’re able to pay off the loan in full before the term ends.