The emergency funding is requested to cover immediate liquidity needs, not met only with credit card and where consumer credit and personal loans are generally not as agile. Also, when a person is in an economic downturn or work has a hard time meeting the requirements of banks. They are also used when looking for discretion, we do not reveal the fate of dineror.
The grant emergency funding that financial intermediaries such Cofidis, Cetelem, etc. As well as banks and thrifts. Some companies specialize in emergency funding in fact belong to the same banks that operate mortgages and personal loans, but these small subsidiaries specialize in emergency credit. For example Mediatis belongs to Banco Santander Sygma or Crediagil.
The main advantage is the immediacy, all companies offer credit available in 24 or 48 hours. Another advantage is that only tend to ask the last two tickets, or the amount of income or quarterly VAT if you are independent.