Fringe - Other Emergency Loan Account An interest-free loan for participant to cover unexpected expenses during a difficult time.There is no limited list of expenses. Why? Participant Benefits Use funds for any necessary expenses.Tax- and interest-free.Minimize financial stress in their time of need.Improves financial & mental wellbeing. Employer Benefits Determines all terms of the loan and is in control of all collections.Improves recruiting, retention and engagement.