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Here are four short-term loans that can help in such a situation.

While some people plan for the unexpected with emergency funds, others find that hard to do if they’re working with a limited income. What can you do if an emergency like a costly car repair or medical crisis occurs? You could turn to friends and family for help, or you could get a short-term loan from one of the following resources. As for what a “short-term loan” is, we’ll define it as one that has terms of 12 months or less.

Personify Financial

This online lender offers personal loans that differ in amounts and terms according to your location. At the time of this writing, Personify offers short-term loans in 27 states. Loan repayment is pretty flexible here, as you can choose between a monthly, semimonthly, or biweekly payment schedule.

Personify Financial charges an origination fee in some locations. If you get a loan, the origination fee will be added on top of whatever you’re borrowing. In other words, you’ll be paying interest on the origination fee. There are no application or prepayment penalty fees, so if you want to pay the loan off quickly, you can do so without worry. Insufficient funds fees and late fees do apply.

The application process is simple. Apply online and have a source of income plus a checking account. If approved, you can get funding by the next business day.

Earnin

Here’s a lender that works well if you want to get early access to your paycheck when you’re in a pinch. Unlike payday loans, Earnin doesn’t charge fees or interest. What’s the downside? When you start, you can only take out $100 per paycheck. That limit can increase later on, though. Once your employer pays you, Earnin will withdraw whatever cash it advanced from your bank account.

Eligibility requirements for Earnin are as follows:

• Over half of your paycheck must be sent to direct deposit in your checking account.
• Your pay schedule must be consistent and occur on a monthly, weekly, or biweekly basis.
• You must work in a consistent location.
• You must track your work hours via digital timekeeping.

If these requirements sound too stringent, don’t fret, as you can use the other short-term loan options in this article.

Oportun

This short-term loan option is ideal if you don’t have much credit history and find it difficult to get approval from most lenders. Unlike other lenders, Oportun doesn’t require a credit score when applying for a loan. As a bonus, if you get a loan from Oportun, you can build your credit while you pay it back since the lender reports to two main credit bureaus.

Oportun’s loans range from 12 to 48 months and $300 to $10,000. You will need a valid photo ID, proof of income and address, plus personal references to apply for one. If necessary, you can use a co-applicant to get a loan here.