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Borrow against your home equity Borrowing against the equity in your home through a home equity loan, line of credit (HELOC) or a cash-out refinance can be a. To meet this need, lenders created flexible financing products for emergencies, also known as hard money financing or second chance borrowing programs. You can. You can get started right away by It's important to note that the money for emergency cash loans should be used responsibly and only for essential needs. Digital, paperless online approach. You can apply for an emergency loan without moving out of your house. Upload your documents on the bank's website and. Send a completed loan request application to a local bank or emergency lender to apply for emergency cash loans with guaranteed approval. Typically, the online.