There are other options than the personal loan option to cover the financial needs of a crisis. There are several options: https://citrusnorth.com/emergency-loans/

Savings 

In the ideal scenario, you’ll have cash put aside as an emergency savings account to cover any unexpected costs.

Credit cards

A credit card could be a great solution to pay for emergencies If the credit limits are enough. Be aware that credit cards typically offer higher rates of interest than personal loan loans. So you need to make sure that you are able to pay your bills.

Loans for home equity 

When you have your own home it is possible that you have accumulated equity from the monthly installments you make. Equity in your home represents the distinction between the amount you are obligated to pay for your mortgage and the amount your home’s value is. Some lenders will allow you to draw against the equity in your home, however, they may be more difficult to obtain. Since you’re securing the loan by securing your home it is possible to end up losing your property if can’t pay the loan.

401(k) loan 

When you’ve got funds stored in an employer-sponsored retirement program, you might be able to take out a loan from the balance. However, failure to pay back these loans could result in substantial tax penalties. Additionally, the loan could be due in a short time if you quit your job.

Check-priority installment loans or payday loans

These loans are short-term and provide quick cash no matter what your credit rating. They may require repayment of these loans within a few months or weeks. However, you’ll be charged charges that amount to extremely expensive interest costs, which makes it hard to come out of financial debt. These loans are riskier than the alternatives and they should be considered only as an option last resort.