Apply for a line of credit.
Lines of credit are flexible and quickly / easily accessible in case of emergency.
Own your line of credit, step-by-step.
A line of credit has a maximum limit you can borrow, just like your credit card.
You and your lender will agree on how often you'll make interest payments.
You can start repaying the principal (what you've drawn) whenever.
Lines of credit are revolving credit: as long as you make the minimum monthly payment, you can continue to draw upon the line up to your limit, without having to re-apply with your lender.