Emergency expense loans
When an unplanned bill hits, a fixed, predictable loan can bridge the gap while you get back on track.
Why consider a loan for this?
- Unexpected costs rarely arrive when your budget has room
- A fixed schedule beats juggling late fees and overdrafts
- Borrowing a small, defined amount limits how long you stay in debt
Emergency expense loans illustration photo
Common situations
- Urgent travel for a family emergency
- A broken appliance you cannot do without
- An insurance deductible or surprise bill
- Temporary gaps between paychecks
Smart-borrowing tips
- Contact the biller first: many offer payment plans
- Borrow the exact amount you need, not more
- Choose the shortest term you can comfortably afford
- Start an emergency fund once you are back on track
*Illustration only using a standard amortizing formula. The APR shown is an editable example, not an offer or a promise of any rate. Your actual terms are shown in your loan offer before you accept.
Know the cost first
Use the estimator to see how amount and term change your payment. For small loans, even a few extra months can add noticeably to total cost.
Learn more about rates and fees, eligibility and borrowing responsibly.
Questions about emergency expense loans
Can I use an HFD loan for emergency expense costs?
Personal loan funds can generally be used for lawful personal purposes. Your loan agreement will confirm any restrictions.
How much can I borrow?
From $200 to $5,000, subject to approval. Your offer may differ from the amount you request.
What if I cannot repay on time?
Contact us before the due date. Late payments can lead to fees and affect your credit, so it is better to talk early.
Explore other ways people use HFD loans
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