Winter can bring more than frigid temperatures and a reason to stay away from the beach. The season is notorious for triggering unexpected financial emergencies. If additional cash isn’t available to cover them, it may be harder during this time of the year to stay afloat, especially if your tax return will be a disappointment, as is the case with a lot of people this year. A personal loan can help fill in the gap and provide much-needed relief. Here are several expenses that might catch you off-guard during the winter season.

3 Surprise Bills That May Emerge During Winter

1. Holiday Debt

The holidays are long gone, but the credit card payments used to purchase gifts have arrived. Perhaps you spent more than you wanted and are facing a high balance. A loan can help pay it down so that interest doesn’t accumulate. The extra funding will also prevent fees for late or missed payments.  

2. Higher Energy Bills

Even in beautiful Savannah, heating systems get a workout during the winter season. The price of coziness might be a substantial bump in your utility bills, as much as several hundred dollars for older HVAC systems. Not paying could mean a utility shutoff, so use a personal loan to cover higher energy bills so you can continue to keep your family comfortable.

3. Winter Travel

If you took a road trip over the holidays where snow and ice were present, your vehicle may have been impacted. The cold weather could have brought on a dead battery, a malfunctioning transmission, or even body damage caused by black ice. Wintry conditions can even strike this far south sometimes, catching everyone unaware. 

Holiday travel expenses and plans for a spring break vacation could be adding to the stress as well. To pay for these winter-related repair and travel costs, consider applying for a personal loan. The interest rate is typically lower than those on credit cards, and you have a bit more flexibility with the payoff time frame.

Be prepared for the unexpected this winter. If funds are tight, a personal loan can help pay for expenses you didn’t see coming. For more than 60 years, Coastal Finance Company in Savannah, GA, has come to the aid of residents who need fast access to cash for financial emergencies. Come warm up in their cozy office and get some money for winter expenses before it’s too late. You can either apply in person or online using the secure and easy application. If you have any questions, call (912) 303-9979 to speak to a friendly lending officer.