Core Insights - The article addresses the challenges faced by individuals with low credit scores seeking loans in emergency situations [1][2] Group 1: Loan Options - Secured personal loans are recommended as they use an asset as collateral, improving chances of qualification but carrying the risk of asset loss [4] - Credit unions may offer unsecured loans or payday alternative loans (PALs) with lower rates compared to payday lenders, though availability varies [5] Group 2: Alternatives to High-Cost Loans - High-interest payday loans are discouraged due to aggressive debt collection tactics and potential for debt cycles [6] - Local or national charitable organizations and community action agencies can provide essential support, including interest-free loans and grants for eligible individuals [6][7]