Short-term cash flow issues can lead to more devastating financial problems if they’re not resolved quickly. When you’re faced with an unanticipated outlay of cash for a broken down car, medical bill or emergency travel expense, consider the following financial safety nets.

Savings accounts

The wisest way to plan for the inevitable, it’s a smart investment to have a savings account designated for emergencies. If your savings account is depleted, however, you may need a secondary solution.

Credit cards

A quick, simple way to borrow money, your credit cards can help you avert short-term financial crisis. If you’re able to make regular monthly payments against the balance, you can pay back the debt—with interest—a little at a time.

Personal bank loans

Available in amounts from $1,000 to $15,000, the interest on your bank loan is based on your credit score and your current debt ratios. When you have solid credit and need to borrow a large amount, this may be the best option available.

Home equity lines of credit

If you own your home outright or are paying a monthly mortgage, you can often borrow against your property’s equity. Remember, though—this is a risky way of adding to your mortgage debt, and it’s best for consumers who plan to be in their home for awhile.

Short-term cash advance

Also called a no-fax cash advance or no-credit loan, this borrowing option is ideal if your credit cards are maxed, your credit score is suffering, or you don’t want to burden friends and family by asking for money. The cash advance process is quick, so you’ll have the money within a week or less—no questions asked.

Before deciding on the best way to handle your cash-flow problem, take stock of the situation. How much do I need? Do I have good credit? When will I be able to pay off the balance? Don’t jump into borrowing or running up credit cards. Instead, do the research required to find a reputable cash advance lender, obtain the best rate, and select the solution that fits your budget and your long-term financial plan.