Investopedia / Photo Illustration by Alice Morgan / Getty Images KEY TAKEAWAYS The percentage of employees in 2024 who took out a hardship withdrawal from the retirement account more than doubled compared to 2018. The costs of emergencies also continue to rise, from unexpected car repairs and hospital stays to an increased number and severity of natural disasters. It is becoming increasingly difficult for many Americans to accumulate sufficient savings, and many struggle to afford emergency expenses ...

个人贷款需求驱动因素 - 债务合并是主要驱动力，借款人将多个高息债务合并为一笔较低利率的债务，以简化财务并节省利息 [3] - 一位客户将47000美元信用卡债务合并为一笔贷款，月供减少340美元，五年内节省超过18000美元利息 [4] - 专家观察到客户通常以8%至15%的个人贷款利率合并24%至29%利率的信用卡债务 [4] 房屋装修融资选择 - 个人贷款被用于紧急房屋维修，如更换屋顶或HVAC系统，尤其适合房屋净值不足或不愿动用净值的业主 [5] - 与房屋净值贷款相比，个人贷款审批流程更快、障碍更少，适合时间紧迫的维修需求 [6] - 固定利率和固定还款期限提供了可预测性，便于预算管理，同时保护了房屋净值 [6] 紧急支出融资需求 - 医疗账单、汽车维修或临时收入损失等紧急情况迫使人们借贷 [7] - 大多数美国人无法承担1000美元的紧急支出，凸显了此类贷款的市场需求 [7]