It is desirable for you to apply for a loan immediately when there is an emergent need for money. You will never have problems getting the right provider if you choose to search about lending institutions.
Sometimes you may want to get a loan to meet your financial needs. But you can be hesitant to get a loan as you fear that you have a bad rating in your credit.
There will always be a time in our life when we need to get fast and easy money without selling our properties.