What You Can Do To Find Emergency Financial Relief From High Bills
Bills continue to rise, and when a financial emergency hits, finding practical relief becomes critical. High utility costs, rent increases, medical expenses, or unexpected repairs can quickly create a financial strain.
This guide explains five ways to find emergency financial relief from high bills, including government assistance programs and how a title loan from Fast Auto Loans may provide access to an emergency cash loan when time-sensitive expenses cannot wait.
Title Loans as a Fast Financial Relief Option
Government and nonprofit programs can provide valuable assistance, but approval and funding may take time. If bills are due immediately and you’re facing a financial hardship, a title loan may offer faster access to funds.
Title loans are secured using a lien-free vehicle title, rather than relying heavily on credit scores. This makes them a potential option for borrowers searching for extremely bad credit loans or those who have experienced prior loan denials.
What Can You Do To Get Emergency Financial Relief From High Bills?
1. Apply To The Low Income Home Energy Assistance Program
The first option we’ve given you to get you emergency financial relief is the Low Income Home Energy Assistance Program (LIHEAP). LIHEAP may be able to offer you money that will help you meet your immediate home energy costs. If you are currently in a low-income household and you pay a high proportion of your income to cover your heating and energy costs, you may be eligible for help. You can get up to $1,200 per year, plus an additional $1,000 if you have an energy crisis.
This can go a very long way to tackling high bills, so find out if you are eligible today wherever you live in Arizona. You can get in touch and find out more about this program by calling 1-866-494-1981. This is a federally funded program designed to provide financial relief to those who need it the most. High priority is given to homes with elderly individuals, disabled individuals, and children, so keep that in mind.
2. Apply To The Low Income Household Water Assistance Program
The Low Income Household Water Assistance Program (LIHWAP) is similar to LIHEAP but is designed to deal with water costs. It can help if your water bills are very high and your income is very low. Depending on your circumstances, you may be able to get as much as $3,000, which is usually paid directly to the water company. If you want to learn more about this, call 1-833-453-2142 and see whether you may be eligible for help.
3. Apply To The Emergency Rental Assistance Program
There’s also the Emergency Rental Assistance Program (ERAP), which can help with your rent if it’s more than you can afford. This program can help you to cover your rent costs, depending on the costs and your personal circumstances. You might be able to get as much as $3,500 paid as rent per month for up to 18 months, although the program will usually end after this point. Only certain households will be eligible, so you will need to call 1-833-912-0878 to find out more.
4. Apply To The Homeowner’s Assistance Fund
If you’re a homeowner, you might be thinking that you’re unlikely to benefit from emergency financial relief federal programs, but that isn’t necessarily true. The Homeowner’s Assistance Fund (HAF) is available throughout the state of Arizona and is designed to help homeowners cover their mortgages and utilities. With this fund, you may be able to get up to $3,500 per month, depending on your circumstances. You can contact them on 1-602-771-1000 to get more information.
5. Contact Your Energy Provider
The last option you have is to contact your energy provider. It is worth contacting your energy provider if you’re struggling to cover high bills and need emergency financial relief before your power is cut off. They may have assistance programs or might be able to set up a payment plan that better suits your needs. And if you are usually in good standing, they may even be able to eliminate interest payments or give you a grace period.
What Happens If a Sudden Financial Emergency Comes Up?
Even with assistance programs available, emergencies can happen without warning. When you need money quickly and other options aren’t accessible, a car title loan from Fast Auto Loans may help provide short-term financial relief.
A title loan allows you to use your lien-free car title as collateral while continuing to drive your vehicle. These loans are intended for urgent expenses, such as medical bills, essential repairs, or overdue utilities.
Learn more about using title loans responsibly for emergency expenses.
Basic Steps to Apply:
- Submit the online form
- Speak with a loan representative
- Complete a vehicle inspection
- Review approval and finalize paperwork
Why Title Loans Can Stand Out During Financial Hardship
- Fast access to emergency cash, often within the same day
- Flexible use for a wide range of urgent expenses
- No reliance on perfect credit, making them accessible during financial hardship
Title loans should always be considered carefully and used as a short-term solution—not for ongoing financial needs.
Get The Help You Need Right Now
When high bills turn into a financial emergency and time matters, a title loan from Fast Auto Loans can provide fast, temporary relief. If other options fall short, this emergency cash loan may help you regain stability and stay current on critical expenses.
Apply online today or contact Fast Auto Loans to explore your options.
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.
