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There are ways in which you can avoid using these types of loans altogether. Start by building an emergency cash fund and put the money in your savings account. This may be very difficult for those who are already in a financial turmoil, however. Your credit score is of paramount importance. You need to make sure that you do not borrow too much to keep it in good condition. You should always have a credit card at hand in case of an emergency situation. A signature loan is always a good idea. You can get it from any bank in South Africa. [link widoczny dla zalogowanych] EasyLoans24.com gives you an instant access to such financial services as payday loans, personal loans, car loans, home improvement loans and debt consolidation loans. Short-term loans are loans that are issued for only a short period of time. Unlike mortgages or auto loans, which are usually.