You can also use future paychecks as collateral for very short-term loans, and not just by payroll lenders. Traditional banks offer such loans, usually for maturities that last no more than a few weeks. These short-term loans are an option in the event of a real emergency, but even then, you should carefully read the fine print and compare rates. Thank you for reading the CFI`s statement on safeguards. CFI is the official provider of the Financial Modeling & Valuation Analyst (FMVA) ™FMVA®Certification With more than 350,600 students working for companies like Amazon, J.P. Morgan and Ferrari, to help everyone become a first-class financial analyst. The reduction in the value of the security right is the main risk for the guarantee of loans with marketable assets. Financial institutions shall closely monitor the market value of financial assets held as collateral and shall take appropriate action when the value is subsequently below the maximum loan ratio set in advance. . . .