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In many lending institutions, one has to have an active bank account and a job. After getting the bad installment loan one is required to repay the money with the interest in little installments till the whole amount is settled. With these steps one can easily get a loan. The best thing to do is to keep your emergency fund fairly liquid. Basically, you should be able to withdraw the required cash when you need it. Similarly, you would not want to use your savings to invest in high-risk high-return financial instruments such as stocks and mutual funds. Keep your savings safe for an emergency and set aside money for investing in another account. Additionally, you'll find no equity formalities.