“Get quick and easy cash… Whatever you would like it for, get cash online right away! Just fill in your personal details and get the loan application started now!”
Sounds familiar? If you need money now and nobody around has a money tree to help you at that moment of desperate need, it is obvious to look around on Google and get hundreds of such results for your search.
If you are thinking “I need cash now” then there are only two ways to get money: use a cash advance app or cash-in your belongings to make fast funds.
8 Options for Those “Uh-Oh, I Need Money Now!” Moments
Whether you need to make an extra 500 a month or looking for quick cash now — you have some options.
1. Use EarnIn and get up to $750 same day
If you’re in a bind and need cash fast, nothing beats EarnIn. Instead of waiting for your next paycheck, EarnIn lets you access the money you’ve already earned, up to $750 per pay period, and have it in your account as soon as the same day. There’s no credit check, no hidden fees, and no interest.
You simply connect your bank account, verify your work hours or direct deposit, and cash out what you need instantly. Best of all, there’s no fixed repayment schedule, the amount is automatically deducted on your next payday, and you only tip what you think is fair.
It’s quick, stress-free, and far more flexible than payday loans or credit card cash advances. That’s why EarnIn is our #1 pick for getting cash fast when you need it most.
- No fees if you choose standard delivery
- Works with most jobs if you have a steady paycheck
- No credit check and won’t hurt your score
- Borrow up to $750 as you build history in the app
2. Sell your junk for fast cash
Run a look through your house, arrange that cluttered cupboard/ bookshelf, or take a glance at gifts you have received during the previous years.
You might find something to put on sale using selling apps like Craigslist, LetGo, Buffalo Exchange and many more. If you aren’t using the stuff or books have dust on them, it means they are not needed.
Instead, pawn or sell those books, clothes, used furniture, used phones, utensils any other possession that’s taking up space in your house so that you make room for that desperately needed cash.
You might come across unused gift cards that are lying and not expired yet. Of course, you cannot put them for sale online but you can reach your family and friends who are willing to buy them.
You can also check out our article detailing 14 Ways to Make $50 Fast.
3. Get your owed money
Put some strain on your memory and recall if you have lent cash to any of your friends, acquaintances or family members in the past.
If yes, it’s time to pick up your phone and ask them to pay back! They can understand your situation and pay your cash back. Do the same to collect debts from others whom you have helped in need.
4. Get a salary advance
This might sound a little unusual but you won’t know if you don’t approach your employer. If you have built that rapport and trust just give it a try.
It might work for you and your boss or employer will probably grant you an advance on your paycheck.
If you get an advance of say $500 you can pay back $250 from the next two paychecks. Just make sure you pay back in time in whatever parts you can.
5. Get a credit card advance
It is basically a short-term loan taken on a credit card credit line. When you are short of cash this option seems tempting just to pay that odd bill or purchase something online.
It seems as simple and convenient as going to an ATM, swiping the credit card with the correct pin and get the cash withdrawal done.
The catch is heavy credit fees applied for such cash advances on credit cards. Also, this might work only if you have a good credit score. What if you don’t have a credit card at all? Read on there are options better than this.
6. Get refunds for soda cans
Many stores provide 30 days or 90 days return policy. So if you bought something new during the last few months and its unused return to the store and get some quick cash.
There are around 10 states with bottle bill, so if you reside in one collect empty soda cans at home, work and ask friends to donate it so that you can carry them to the store for the refund.
7. Get a personal loan even if you have bad credit
You can apply for online personal loans as they are convenient, safe, and secure without having to leave the comfort of your house. Personal loan lenders will usually help you bridge the gap between paychecks and keep you guarded against loan sharks. Proven that you won’t pay a lot for short-termed payday loans, be careful that you do not miss even a single repayment.
Just remember that if you actually need money now, then you can opt for a personal loan. When you need money in a hurry ZippyLoan is where to go. You apply for a loan through the Zippy Loan site, if approved they send your loan application to one of many loan providers.
You review the loan details and e-sign if you like what you see. No risk in checking what offers you’ll get. You can borrow between $100 and $15,000 as soon as tomorrow. Loans service up to 60 months.
ZippyLoan connects borrowers to lenders through their network of lenders. They’ll find you the lowest interest rate and is one of the best no credit check loan. You can visit ZippyLoan here.
- APR Range: 8.99% to 29.99% (with all discounts applied)
- Loan Amounts: $5,000 to $100,000
- Repayment Terms: 2 to 7 years
- Fees: Origination fees up to 7%
- Funding Time: Most loans funded same or next day
- Credit Score Requirement: Minimum 680
- APR Range: 5.94% to 35.47%
- Loan Amounts: $1,000 to $50,000
- Repayment Terms: 3 to 5 years
- Fees: Origination fees apply
- Funding Time: Same-day funding available
- Credit Score Requirement: Minimum 560
- APR Range: 7.80% to 35.99%
- Loan Amounts: $1,000 to $50,000
- Repayment Terms: 3 or 5 years
- Fees: Origination fees up to 10%
- Funding Time: Most loans funded within 24 hours
- Credit Score Requirement: No minimum; considers factors beyond credit score
- APR Range: Varies by lender
- Loan Amounts: $100 to $15,000
- Repayment Terms: Varies by lender
- Fees: Varies by lender
- Funding Time: As soon as the next business day
- Credit Score Requirement: Varies by lender
8. Go for a personal installment loan
Sometimes you might be allowed a little longer to payback for a cash loan. Personal installment loans can be short term or long term depending on loan amount.
It can fulfill your financial need for today by allowing you to pay back one installment period at a time instead of lump-sum on next paycheck.
Remember it is a short-term lending solution for temporary financing needs, not a replacement for long-term financial arrangement.
Hence choose responsibly and apply for a loan that you would be able to repay. Follow the above tips and tricks, keep calm and let the latter take care of the rest!
