Blk 634 Bukit Batok Central #01-104/106 Singapore 650634
636 Bukit Batok Central Singapore 650636 SG

United Overseas Bank Limited (frequently known as UOB) is a Singaporean international banking organisation headquartered in Singapore, with branches mainly found in most Southeast Asian countries.UOB provides corporate and industrial banking services, personal financial services, personal banking and other asset management services, along with business finance, endeavor insurance, capital, and investment services. It has 68 branches in Singapore and a network of more than 500 workplaces in 19 countries and areas in Asia Pacific, Western Europe and North America

Idea For Taking Personal Loans In Singapore

Do not ever take out a individual loan from a bank a couple of months before the major loan if you are planning to take a significant loan. This will impact you.

A essential element is your DSR (Debt Servicing Ratio)when you take a bank loan for a automobile or house. This measures exactly what portion of your earnings can enter into paying back the real estate or auto loan, consisting of other overheads (e.g. payment for other individual loans).

In other words, a Debt Servicing Ratio of 50% suggests that all your debt responsibility can not exceed 50% of your earnings. As a guide, many banks enable 40% Debt Servicing Ratio for a home and 30% for a auto loan

Loans Get Cheaper As the Loan Gets More Specific – So when it comes to getting loans, be as particular as you can. Do not take a individual loan to renovate your house, not when there’s a renovation loan package. Do not take a individual loan to pay for your education, when there’s an education loan bundle.

In order to motivate you, specific loan bundles typically have lower interest rates. Personal loans tend to charge interest of about 6% to 8%, whereas specific loans (renovation loans, education loans, etc).

Many individual loans are unsecured. As in, there’s no security behind them. And since the releasing banks have no security, they’ll compensate by boosting rate of interest.

At any time you do not feel certain you’ll repay the loan, that implies you should never take a personal loan without understanding of precisely.

Do not use personal loans as alternative business loans. Do not use them to trade on Forex. Don’t use them to purchase high danger equities. You ought to just take a personal loan to ease cash flow issues.

634 Bukit Batok Central #01-108 Singapore 650634 0 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly listed moneta...
Blk 636 Bukit Batok Central #01-02/04 Singapore 650636 0.03 km
POSB Bank (or just called POSB) is a Singaporean bank offering customer banking services and is t...
Blk 637 Bukit Batok Central #01-16 Singapore 650637 0.06 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly listed moneta...
Blk 153 Bukit Batok West Street 11 #01-290/292 Singapore 650153 0.85 km
Founded on January 1, 1877 as the Post Office Savings Bank (POSB), the bank became part of the Po...
3 Gateway Drive #04-36 Westgate Singapore 608532 1.97 km
DBS Bank Ltd is an international banking and financial services corporation headquartered in Mari...
50 Jurong Gateway Road #02-15 Jem Singapore 608549 2.06 km
United Overseas Bank Limited (typically known as UOB) is a Singaporean international banking orga...
50 Jurong Gateway Road #B1-18 Jem Singapore 608549 2.07 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is a publicly listed finan...
21 Jurong Gateway Road #01-03 CPF Jurong Building Singapore 608546 2.11 km
POSB Bank (or simply known as POSB) is a Singaporean bank offering customer banking services and ...
131 JURONG GATEWAY ROAD SINGAPORE 600131 2.14 km
Times are difficult in Singapore and consumers and businessowners are finding it harder to get ac...
96 JALAN JURONG KECHIL SINGAPORE 598599 2.55 km
We feel that every customer relationship is very critical when it comes to operating in this indu...
170 UPPER BUKIT TIMAH ROAD BUKIT TIMAH SHOPPING CENTRE SINGAPORE 588179 2.78 km
There are personalised loan services readily available to each customer. We provide a manageable ...
170 Upper Bukit Timah Rd #01-01 Bukit Timah Shopping Centre Singapore 588179 2.79 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is a publicly noted moneta...
148 Upper Bukit Timah Road #01-01 UOB Centre Singapore 588178 2.83 km
United Overseas Bank Limited (frequently called UOB) is a Singaporean multinational banking organ...
140 UPPER BUKIT TIMAH ROAD BEAUTY WORLD PLAZA SINGAPORE 588176 2.87 km
We are an authorised and licensed money lender. If its quick personal loan that you require, anyw...
1 Jalan Anak Bukit #01-19/20 Bukit Timah Plaza Singapore 588996 3.28 km
DBS Bank Ltd is an international banking and financial services corporation headquartered in Mari...
1 Jelebu Road #02-02 Bukit Panjang Plaza Singapore 3.6 km
United Overseas Bank Limited (typically referred to as UOB) is a Singaporean international bankin...
Blk 501 Jurong West Street 51 #01-279/281 Singapore 640501 3.61 km
Founded on January 1, 1877 as the Post Office Savings Bank (POSB), the bank was part of the Posta...
502 Jurong West Ave 1 #01-821 Singapore 640502 3.72 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is a publicly noted moneta...
Blk 260 Bangkit Road #01-15 Singapore 670260 3.95 km
Founded on January 1, 1877 as the Post Office Cost savings Bank (POSB), the bank was part of the ...
304 Choa Chu Kang Ave 4 #01-663 Singapore 680304 3.96 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is a publicly listed finan...
Blk 304 Choa Chu Kang Avenue 4 #01-657/659 Singapore 680304 3.96 km
DBS Bank Ltd is an international banking and financial services corporation headquartered in Mari...
257 Bangkit Rd #01-51/55 Singapore 670257 3.99 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly listed financ...
3155 Commonwealth Avenue West #04-52/55 The Clementi Mall Singapore 129588 4.13 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is a publicly listed monet...
Blk 449 Clementi Avenue 3 #01-243 Singapore 120449 4.31 km
Established on January 1, 1877 as the Post Workplace Cost savings Bank (POSB), the bank was part ...
Blk 450 Clementi Avenue 3 #01-293/295 Singapore 120450 4.32 km
DBS Bank Ltd is a multinational banking and financial services corporation headquartered in Marin...
Blk 450 Clementi Avenue 3 #01-287/289 Singapore 120450 4.32 km
United Overseas Bank Limited (frequently known as UOB) is a Singaporean international banking org...
25 Boon Lay Place Singapore 649886 4.45 km
United Overseas Bank Limited (commonly understood as UOB) is a Singaporean multinational banking ...
10 Boon Lay Place #01-06 Boon Lay Community Club Singapore 649882 4.48 km
POSB Bank (or merely called POSB) is a Singaporean bank offering consumer banking services and is...
1 Segar Road #01-06 Zhenghua Community Club Singapore 677738 4.66 km
Based on January 1, 1877 as the Post Office Savings Bank (POSB), the bank belonged to the Postal ...
1 Jurong West Central 2 #B1-31/32/33/46 Jurong Point Shopping Centre Singapore 648886 5.08 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly listed financ...
1 Jurong West Central 2 #01-16C Jurong Point Shopping Centre Singapore 648886 5.12 km
United Overseas Bank Limited (commonly known as UOB) is a Singaporean international banking organ...
1 Jurong West Central 2 #B1-20 Jurong Point Shopping Centre Singapore 648886 5.14 km
Based on January 1, 1877 as the Post Office Savings Bank (POSB), the bank belonged to the Postal ...
827 Bukit Timah Road Singapore 279886 5.2 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly listed financ...
63 Jurong West Central 3 #B1-47/48/49/50 Jurong Point Shopping Centre Singapore 648331 5.27 km
DBS Bank Ltd is a multinational banking and financial services corporation headquartered in Marin...
500 Dover Road Singapore Polytechnic, Food Court 5 (FC512) Singapore 139651 5.31 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is a publicly noted moneta...
61 Choa Chu Kang Drive #01-04 Yew Tee MRT Station Singapore 689715 5.33 km
POSB Bank (or simply known as POSB) is a Singaporean bank offering customer banking services and ...
2 Clementi West Street 2 #01-06 West Coast Community Centre Singapore 129605 5.42 km
Established on January 1, 1877 as the Post Workplace Savings Bank (POSB), the bank was part of th...
31 Lower Kent Ridge Road #01-02 Yusof Ishak House Singapore 119078 6.26 km
DBS Bank Ltd is a multinational banking and financial services corporation headquartered in Marin...
249 Holland Ave Singapore 278980 6.52 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly noted financi...
Blk 43 Holland Drive, #01-55 Singapore 270043 6.54 km
DBS Bank Ltd is a multinational banking and financial services corporation headquartered in Marin...
Blk 43 Holland Drive #01-53 Singapore 270043 6.54 km
POSB Bank (or merely referred to as POSB) is a Singaporean bank offering customer banking service...
211 Holland Avenue #01-12 Holland Road Shopping Centre Singapore 278967 6.56 km
United Overseas Bank Limited (commonly referred to as UOB) is a Singaporean multinational banking...
Raffles Holland V , 118 Holland Avenue #02-05 Singapore 278997 6.6 km
DBS Bank Ltd is an international banking and financial services corporation headquartered in Mari...
Blk 960 Jurong West Street 92 #01-174 Singapore 640960 6.76 km
POSB Bank (or simply known as POSB) is a Singaporean bank offering customer banking services and ...
587 Bukit Timah Road #02-25/26/27/28 Coronation 7.1 km
United Overseas Bank Limited (frequently referred to as UOB) is a Singaporean multinational banki...
50 Nanyang Avenue Blk NS3-01-10 Singapore 639798 7.65 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly noted monetar...
301 Upper Thomson Road #01-45 Thomson Plaza Singapore 574408 8.83 km
DBS Bank Ltd is a multinational banking and financial services corporation headquartered in Marin...
251-253 Upper Thomson Road Singapore 574376 9.13 km
United Overseas Bank Limited (typically referred to as UOB) is a Singaporean multinational bankin...
303 Woodlands St 31 #01-159/161 Singapore 730303 9.36 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly listed moneta...
Blk 303 Woodlands Street 31 #01-191 Singapore 730303 9.36 km
Founded on January 1, 1877 as the Post Office Savings Bank (POSB), the bank was part of the Posta...
181 Upper Thomson Road Singapore 574331 9.36 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly listed moneta...
159 SIN MING ROAD AMTECH BUILDING SINGAPORE 575625 9.57 km
We have been Singapore’s leading licensed and most trusted moneylender. We provide a wide s...
BENOI ROAD PIONEER LOT SINGAPORE 627788 9.75 km
We have invested profoundly in highly trained workforce and this differentiate us from other mone...
163 ANG MO KIO AVE 4 SINGAPORE 560163 9.99 km
For years, we have been delivering competitive loan packages to those who need emergency funds. A...
460 Alexandra Road #02-33/34 Alexandra Retail Centre Singapore 119963 10.09 km
DBS Bank Ltd is an international banking and financial services corporation headquartered in Mari...
1 Scotts Road #03-04 Shaw Centre Singapore 228208 10.15 km
United Overseas Bank Limited (frequently called UOB) is a Singaporean multinational banking organ...
14 SCOTTS ROAD FAR EAST PLAZA SINGAPORE 228213 10.24 km
We provide quick cash through personal loan or payday loan. Regardlessif it’s medical loan,...
900 South Woodlands Drive #01-06 Woodlands Civic Centre Singapore 730900 10.24 km
United Overseas Bank Limited (frequently referred to as UOB) is a Singaporean multinational banki...
900 South Woodlands Drive #02-01 Woodlands Civic Centre Singapore 730900 10.25 km
DBS Bank Ltd is a multinational banking and financial services corporation headquartered in Marin...
Blk 2a Woodlands Centre Road #01-134 Singapore 731002 10.32 km
Founded on January 1, 1877 as the Post Office Savings Bank (POSB), the bank belonged to the Posta...
1 Woodlands Square, #B1-26 Causeway Point Singapore 738099 10.32 km
DBS Bank Ltd is a multinational banking and financial services corporation headquartered in Marin...
1 Woodlands Square #01-16 Causeway Point Singapore 738099 10.32 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly listed moneta...
2 Orchard Turn #B2-57 Singapore 238801 10.34 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly noted monetar...
BLK 162 BUKIT MERAH CENTRAL SINGAPORE 150162 10.37 km
We are an professional and licensed money lender. If its quick cash loan that you need, anywhere ...
629 Ang Mo Kio Ave 4 #01-1006/1008/1010 Singapore 560629 10.37 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly noted financi...
Blk 629 Ang Mo Kio Avenue 4 #01-1018 Singapore 560629 10.37 km
Founded on January 1, 1877 as the Post Office Savings Bank (POSB), the bank became part of the Po...
BLK 124 LORONG 1 TOA PAYOH SINGAPORE 310124 10.39 km
We are an legal and licensed money lender. If its quick personal loan that you require, no matter...
304 ORCHARD ROAD LUCKY PLAZA SINGAPORE 238863 10.45 km
We are determined to provide sensibly priced loan for Singaporeans and foreigners in Singapore. A...
150 LORONG 1 TOA PAYOH SINGAPORE 310150 10.49 km
We provide quick cash through personal loan or payday loan. Regardlessif it’s medical loan,...
128 ANG MO KIO AVENUE 3 SINGAPORE 560128 10.49 km
We feel that each customer relationship is extremely essential when it comes to working in this i...
391 Orchard Road #04-15 Ngee Ann City Singapore 238872 10.67 km
Founded on January 1, 1877 as the Post Office Savings Bank (POSB), the bank belonged to the Posta...
Blk 107 Toa Payoh Lorong 1 #01-266 Singapore 310107 10.68 km
Founded on January 1, 1877 as the Post Office Savings Bank (POSB), the bank was part of the Posta...
10 Sinaran Drive #02-19/20 Square 2 Singapore 307506 10.78 km
POSB Bank (or merely called POSB) is a Singaporean bank offering customer banking services and is...
9 Bishan Place #01-14 Junction 8 Shopping Centre Singapore 579837 10.8 km
DBS Bank Ltd is an international banking and financial services corporation headquartered in Mari...
2 Orchard Link #02-07/08 Scape Building Singapore 237978 10.81 km
DBS Bank Ltd is a multinational banking and financial services corporation headquartered in Marin...
Blk 520 Toa Payoh Lorong 6 #02-51 Singapore 310520 10.82 km
United Overseas Bank Limited (frequently known as UOB) is a Singaporean international banking org...
520 Lorong 6 Toa Payoh #02-52/53 Singapore 310520 10.82 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is a publicly listed monet...
Blk 501 Bishan Street 11 #01-368/370 Singapore 570501 10.84 km
United Overseas Bank Limited (commonly called UOB) is a Singaporean multinational banking organis...
501 Bishan St 11 #01-372/374 Singapore 570501 10.84 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly noted financi...
238A Thomson Road #01-38 Novena Square Singapore 307685 10.84 km
United Overseas Bank Limited (typically known as UOB) is a Singaporean international banking orga...
1 Kim Seng Promenade #02-32 Great World City Singapore 237994 10.84 km
DBS Bank Ltd is an international banking and financial services corporation headquartered in Mari...
726 ANG MO KIO AVENUE 6 SINGAPORE 560726 10.85 km
We have been Singapore’s leading licensed and most trusted moneylender. We offer an extensi...
BLK 704 ANG MO KIO AVE 8 SINGAPORE 560704 10.87 km
For years, we have been providing competitive loan packages to those in need of emergency funds. ...
Blk 712a Ang Mo Kio Avenue 6 #01-4066 Singapore 560712 10.88 km
Based on January 1, 1877 as the Post Office Savings Bank (POSB), the bank became part of the Post...
LOWER DELTA ROAD MOTORWAY BUILDING SINGAPORE 169205 10.89 km
We provide quick cash through personal loan or payday loan. Regardless of whether it’s medi...
705 ANG MO KIO AVENUE 8 SINGAPORE 560705 10.9 km
Times are difficult in Singapore and consumers and businessowners are finding it harder to gain a...
BLK 178 TOA PAYOH CENTRAL SINGAPORE 310178 10.92 km
Times are challenging in Singapore and consumers and businessowners are finding it harder to gain...
302 Tiong Bahru Road #01-101/102 Tiong Bahru Plaza Singapore 168732 10.94 km
United Overseas Bank Limited (typically known as UOB) is a Singaporean multinational banking orga...
302 Tiong Bahru Road #01-125/126 Tiong Bahru Plaza Singapore 168732 10.94 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is a publicly listed finan...
BLK 709 ANG MO KIO AVENUE 8 SINGAPORE 560709 10.94 km
Times are tough in Singapore and consumers and businessowners are finding it harder to get access...
480 Toa Payoh Lorong 6 #01-09 Hdb Hub Singapore 310480 10.95 km
Established on January 1, 1877 as the Post Office Cost savings Bank (POSB), the bank was part of ...
520 Toa Payoh Lorong 6 #02-50 Hdb Hub Singapore 310520 10.95 km
DBS Bank Ltd is an international banking and financial services corporation headquartered in Mari...
302 Tiong Bahru Road, Tiong Bahru Plaza #01-123/124 Singapore 168732 10.95 km
POSB Bank (or merely referred to as POSB) is a Singaporean bank offering consumer banking service...
53 Ang Mo Kio Avenue 3 #03-01/27 AMK Hub Singapore 569933 10.95 km
DBS Bank Ltd is a multinational banking and financial services corporation headquartered in Marin...
53 Ang Mo Kio Avenue 3 #B1-32/33 AMK Hub Singapore 569933 10.96 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly noted financi...
1 Kim Seng Promenade #01-34 Great World City Singapore 237994 10.96 km
United Overseas Bank Limited (frequently called UOB) is a Singaporean international banking organ...
53 Ang Mo Kio Avenue 3 #B1-34 AMK Hub Singapore 569933 10.96 km
United Overseas Bank Limited (commonly referred to as UOB) is a Singaporean multinational banking...
711 ANG MO KIO AVENUE 8 SINGAPORE 560711 10.97 km
We have invested massively in exceptionally trained workforce and this sets us apart from other m...
711 ANG MO KIO AVENUE 8 SINGAPORE 560711 10.97 km
we aim to achieve each and every one of our customers’ wants and needs. We are an licensed ...
53 Ang Mo Kio Avenue 3 #B1-01 AMK Hub Singapore 569933 10.98 km
230 Orchard Road #01-230 Faber House Singapore 238854 11 km
United Overseas Bank Limited (typically known as UOB) is a Singaporean multinational banking orga...
TOA PAYOH CENTRAL SINGAPORE 310183 11.03 km
We have invested greatly in highly trained workforce and this sets us apart from other money lend...
BLK 450 LORONG 6 TOA PAYOH HERSING CENTRE SINGAPORE 319394 11.07 km
We provide quick cash through personal loan or payday loan. Whether it’s medical loan, educ...
185 TOA PAYOH CENTRAL SINGAPORE 310185 11.1 km
We are an legal and licensed money lender. If its quick cash loan that you need, no matter where ...
185 TOA PAYOH CENTRAL SINGAPORE 310185 11.1 km
We have invested profoundly in exceptionally trained workforce and this sets us apart from other ...
185 TOA PAYOH CENTRAL SINGAPORE 310185 11.1 km
We are determined to offer reasonablypriced loan for Singaporeans and expats in Singapore. As a l...
185 TOA PAYOH CENTRAL SINGAPORE 310185 11.1 km
We are determined to offer affordable loan for Singaporeans and expats in Singapore. As a license...
BLK 185 TOA PAYOH CENTRAL SINGAPORE 310185 11.1 km
For years, we have been delivering affordable loan packages to those looking for emergency funds....
135 Bukit Timah Road Newton Building Singapore 229837 11.11 km
POSB Bank (or simply called POSB) is a Singaporean bank offering consumer banking services and is...
186 TOA PAYOH CENTRAL SINGAPORE 310186 11.13 km
Times are challenging in Singapore and consumers and businessowners are finding it harder to get ...
186 TOA PAYOH CENTRAL SINGAPORE 310186 11.13 km
Times are hard in Singapore and consumers and businessowners are finding it harder to gain access...
176 Orchard Road #01-27 CentrePoint Singapore 238843 11.13 km
Established on January 1, 1877 as the Post Workplace Savings Bank (POSB), the bank was part of th...
277 Orchard Road, orchardgateway, #01-16, #B1-12, #B2-12 Singapore 238858 11.17 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly listed moneta...
360 Balestier Road #01-14/15 Shaw Plaza - Twin Heights Singapore 329783 11.45 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly noted financi...
279 BALESTIER ROAD BALESTIER POINT SINGAPORE 329727 11.56 km
Times are tough in Singapore and consumers and businessowners are finding it harder to gain acces...
BALESTIER ROAD SINGAPORE 329726 11.63 km
We feel that every customer relationship is extremely essential when it comes to working in this ...
BUKIT TIMAH ROAD 87C TAN KONG TIEN BUILDING SINGAPORE 229834 11.64 km
For years, we have been offering competitive loan packages to those that needs emergency funds. A...
262 BALESTIER ROAD OKIO SINGAPORE 329714 11.71 km
We feel that every customer relationship is very crucial when it comes to working in this industr...
68 Orchard Road #B1-25 Plaza Singapura Singapore 238839 11.77 km
DBS Bank Ltd is a global banking and financial services corporation headquartered in Marina Bay, ...
30 Yishun Street 81 #01-04 Nee Soon South Community Club Singapore 768455 11.81 km
POSB Bank (or merely referred to as POSB) is a Singaporean bank offering customer banking service...
BLK 846 YISHUN RING ROAD SINGAPORE 760846 11.86 km
Times are challenging in Singapore and consumers and businessowners are finding it harder to gain...
2 Ang Mo Kio Drive Blk A #01-10 Singapore 567720 12.07 km
Based on January 1, 1877 as the Post Office Savings Bank (POSB), the bank was part of the Postal ...
1 Farrer Park Station Road #01-13 Connexion Singapore 217562 12.07 km
United Overseas Bank Limited (frequently called UOB) is a Singaporean multinational banking organ...
189 SELEGIE ROAD SELEGIE CENTRE SINGAPORE 188332 12.07 km
We provide quick cash through personal loan or payday loan. Regardless of whether it’s medi...
1 SOPHIA ROAD PEACE CENTRE SINGAPORE 228149 12.07 km
We are an independent and licensed money lender. If its quick personal loan that you need, anywhe...
1 SOPHIA ROAD PEACE CENTRE SINGAPORE 228149 12.14 km
Times are hard in Singapore and consumers and businessowners are finding it harder to get access ...
1 Maritime Square #02-99/100 HarbourFront Centre Singapore 99253 12.19 km
Oversea-Chinese Banking Corporation Limited, abbreviated as OCBC Bank, is an openly listed moneta...
1 MARITIME Square #02-122/123 Harbourfront Centre Singapore 099253 12.2 km
DBS Bank Ltd is a global banking and financial services corporation headquartered in Marina Bay, ...
SERANGOON ROAD SINGAPORE 218084 12.21 km
For years, we have been providing affordable loan packages to those that needs emergency funds. A...