Being a single mom is a full-time job, and then some. On top of raising kids alone, dealing with a financial emergency can feel overwhelming. Thankfully, there are ways to get emergency cash for single mothers, including payday loans, government grants, and local assistance programs.

Emergency Cash Options For Single Moms

Single mothers are the main and only source of income in a household. As a result, unexpected costs can have a devastating impact on your budget. Coming up with emergency cash presents a challenge that may feel insurmountable, but that doesn’t have to be the case. When unexpected costs strike, single mothers have a plethora of resources to help aid them in times of need. Through federal and state grants, as well as emergency loans, single mothers can get the emergency cash they need to keep things afloat.

Grants That Provide Emergency Cash For Single Mothers

Grants are funds that are given to an individual for a specific purpose, with no need for repayment by the receiving party. Typically, grants are provided by the federal or state government, though organizations and charities may also provide their communities with specialized grants. Depending on the specific purpose of the grant, you can use it to offset the cost of food, clothing, and other such needs so that you can divert what you are saving to the financial emergency you are facing. Below is a brief list of grants that can help provide emergency cash for single mothers.

1. Women, Infants, and Children Program (WIC)

Also known as WIC, this program provides children and mothers with access to nutritional food. The amount you receive is determined by the household income and needs of pregnant or breastfeeding mothers and their children.

2. Temporary Assistance for Needy Families (TANF)

TANF is another grant program that helps provide emergency cash for single mothers. Through TANF, low-income families can receive ongoing monthly payments to help them get financially stable and self-sufficient in their time of need. The funds can be used for clothing, food, and other necessities.

3. Diversion Cash Assistance (DCA)

The Diversion Cash Assistance program can at times provide a one-time payment of up to $1,000 for qualifying families. The DCA grant is considered a short-term emergency cash benefit for families to be able to tackle immediate financial crises’ that do not require ongoing financial help.

4. Child Care Assistance Program (CCAP)

A financial emergency can require a mother to put in more work hours or to get another job to meet financial obligations. Whether you are working, searching for work, training, or going to school, paying for childcare can add another financial burden to the list. With Child Care Assistance Program, low-income families can get assistance with childcare costs.

Emergency Payday Loans For Single Mothers

If you need emergency cash fast, a payday loan could be the answer — especially if you don’t qualify for grants or need money immediately.

A payday loan is a short-term loan that lets you borrow a small amount of money against your next paycheck. It's one of the fastest ways to get cash during an emergency, even if your credit isn’t perfect.

How Payday Loans Work

With a payday loan from Tennessee Title Loans, Inc., you can get between $100 and $400 — often in as little as 30 minutes.

Here’s how to get started:

1. Fill out the quick online form to get contacted by a loan representative.
2. Bring a few simple documents:
   • Your driver’s license or state-issued ID
   • A recent pay stub
   • A 30-day bank statement
   • A blank check from an active checking account
3. Visit your nearest location to verify your info and finalize the paperwork
4. Get your money, sometimes the same day!

Whether you’re behind on bills or facing a short-term financial challenge, a payday loan could provide the emergency cash you need as a single mom.

Apply For A Payday Loan Today

If you're a single mom facing a financial emergency, don't wait. There’s help available. Start by applying for a payday loan or exploring local grants and programs.

Apply for a payday loan with Tennessee Title Loans, Inc. and get back on track today.

Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.