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Demonstrable financial need Longest Terms: People are quite thrilled with the fact that the service allows them use repay the loans in 100 days which seems to be a far better option than repaying the loan in 14 days. It is best to pay off the loan as soon as possible as the interest rates keep on adding to the budget. How much money should you keep for unexpected cash emergencies? The majority of experts recommend that your fund should be equal to your living expenses for three to six months. When you determine the actual amount of money to keep for emergencies, you have to take into account the size of your family and whether you have kids, your debt and the insurance policies which you have.