Did you know that about 28% of Americans have no emergency fund? Bankrate reports that less than 20% of US adults can cover six or more months’ expenses with their current savings.
These numbers reveal that when a person thinks, “I need money now,” they need alternative ways of getting emergency cash. Luckily, there are many proven ways to get funds asap, even if you have bad credit. Read further and discover the best strategies to handle money emergencies.
Table of Contents
- 1 Best 5 Need-Money-Now Loan Providers
- 2 Alternative Ways To Make Money Now
- 3 How Can I Borrow Money Now?
- 4 Where Do You Turn If You Need Money But Have Bad Credit?
- 5 What If I Need Money Now But I’m Unemployed?
- 6 Final Thoughts
Best 5 Need-Money-Now Loan Providers
The fastest way to get funds in a case of emergency is to apply for a loan online. Many of these perform no credit check, either. Below, find the industry’s most trusted loan providers that quickly connect clients to suitable lenders.
This loan provider is available to any legal US citizen or permanent resident who is 18 or older. Also, the company demands that applicants have some kind of income. This includes payments from full-time employment, self-employment, Social Security benefits, or disability benefits. So, if you meet these criteria and think “I need money now and fast” – visit Midweekpay.com.
Here are the main pros of using this service:
- Loan size from $100 to $5,000.
- Online processing within minutes.
- Service available on any device.
- Almost instant connection to a suitable lender.
- Easy-to-use and user-friendly interface.
- Once approved, you get cash as soon as within 24 hours.
Get money fast and learn whether you qualify for a loan with Money2.me. This loan provider operates under all applicable federal and state laws. Meaning, it’s 100% safe and secure. It’s an excellent solution for anyone who screams inside, please help I need money today. Only persons over the age of 18 who hold US citizenship and have regular income can apply for a loan here.
These are the top advantages of getting a loan from Money2.me:
- Loans between $100 and $5,000.
- Fast responses.
- Open to most credit history scores.
- Complete online processing.
- Online signatures.
- Cash transfers between 24 and 48 hours.
Do you have a bank account? Do you have a regular income? Are you at least 18 years old? In that case, you can apply for a personal loan at Direcloantransfer.com. This is a reputable loan provider with a vast network of trusted lenders. The application process here is fast and straightforward. Consumers just fill out an online form and wait for a lender to contact them.
Find the top benefits of Directloantransfer.com:
- Loans from $100 to $5,000.
- Various devices supported.
- Simple online form.
- Almost instant approvals.
- Trusted lenders on stand-by.
- Advanced encryption technology.
No more wondering, “how can I get money now”! Payzonno.com is here to give you access to excellent loan providers through a 100% secure platform. Getting a personal loan from this website is possible for US citizens or legal residents only. Plus, applicants must be over 18 and with a regular income. To apply for a loan here, you need to sign up and complete a simple form.
Discover the main strengths of using the services of Payzonno.com:
- Loans ranging between $100 and $5,000.
- Fast and free account setup.
- Online application and signature.
- Single-click second loans.
- Bad credit accepted.
- Convenient transfers directly to your bank account.
This is another reliable and renowned loan provider. Moneyaids.com has a plethora of lenders in its network, and many of them are always on stand-by. Whenever someone applies for a loan, the system connects them with appropriate lenders within a few minutes. Rejections and approvals often arrive almost instantly, too. moneyaids.com serves legal US citizens over 18 who have a regular income, a valid email, and a checking account.
- Amounts available from $100 to $5,000.
- Convenience and speed.
- Simple application and approval process.
- Personal loans within minutes.
- Money transferred to a personal bank account.
- Works on desktop and mobile devices.
Alternative Ways To Make Money Now
If for whatever reason you don’t want to or can’t get a personal loan, there are other available options. Americans who need quick cash now can try one or more of the following alternative ways. While these won’t solve long-term financial issues, they surely help you deal with money emergencies.
Selling clothes is a great way to make a quick buck. Here are a few tips on how to have a successful sale.
- Wash and iron the items thoroughly, as buyers are expecting like-new outfits.
- Add good photos where you model the items.
- Do extensive market research to figure out the best price. Lots of resale platforms offer tools that compare previous prices.
The best platforms for selling clothes right now are Poshmark, eBay, Refahshioner, and SnobSwap. You don’t want to bother too much? Then, you can just take the clothes to resale shops such as Buffalo Exchange or Clothes Manor. If you go in the morning, you’ll have the money by tonight.
If you have free time on your hands, consider doing online surveys to expand your funds. Most polls don’t pay actual money. They offer tokens that can later be traded for services, products, and other goods. However, most monetary survey payments range between $1 and $5. Hence, if you complete 5 surveys daily, you can make around $150 a week.
Getting a side job is proven to be a highly effective money-raising technique. For example, social media managing for a home-based business can be a gold mine. The job entails communicating with and engaging the brand’s followers. Managers make around $13 an hour. Alternatively, Taskrabbit is a platform that lets you run errands for other people. The hourly pay is about $35. Driving for Uber or delivering packages for Postmates are other well-paid side gigs.
A great way to clean out your house clutter and make extra money. Need a few tips to have a successful yard sale? Well, always know your items’ worth and set their price accordingly. If the book you’re selling is $15 and damaged, lower the price down to $8. Advertise on social media, but also use old-fashioned methods like word-of-mouth or hanging posters around your area. A yard sale is a genius solution to anyone’s “I need money now” problem.
Renting is a great and easy way of earning cash. These days, there’s a market for pretty much everything, really. Still, here are the things that can make you the most money when you rent them.
- Apartment or a room
- Parking space
- Storage space
Airbnb remains the best platform for renting accommodation. Turo is an excellent website for listing your car, while SpotHero is the go-to spot for renting parking space.
Ask For A Raise
As scary as it sounds, asking for a raise is the most logical way to get more money. Plus, a salary boost isn’t a one-time thing like selling unused stuff. Instead, it will earn you extra cash every week/month. Of course, to ask for a better paycheck, you need a good reason for it. So, make sure you are a top-quality worker. Also, don’t expect a raise every three months, as salaries are usually renegotiated once per year.
A girl from Brunswick West, Vic, raised $1,330 to pay for her rent. A man from Chicago, Il, raised $3,810 in emergency funds for rent and phone bills. These are all people who thought, “I need money right this second” and gave crowdfunding a try. GoFundMe is by far the most popular platform to use here if you want to reach plenty of contributors. If you are honest and straightforward, you have a fantastic chance to get cash asap. This is basically the only way to get free money.
Even the government can help Americans in urgent need of assistance. There are actually a few ways to boost your income with the government’s help. The first is through unemployment benefits in case you were fired from your job. These aren’t huge, but they help. Struggling students can apply for the Federal Pell Grant to get federal student aid of up to $6,195 a year. Personal grants are the best option for those dealing with natural disasters, disability, childcare, education, and paying off loans.
Cash In Rewards Points
Rewards from loyalty schemes are among the best passive income ideas. These help you monetize your spending habits by collecting points whenever you make purchases at selected locations. Many credit cards come with such rewards, but there are also special loyalty club cards. Instead of cashing these rewards at random occasions, keep them for the next time you think I need cash today.
Collect Aluminum Cans
If you’re willing to do the work, you can earn money by collecting and selling aluminum cans. People who do this manage to generate from $500 to $1,000 a month. To achieve the best results, you need a good strategy. Meaning, visit local parks, wander through local streets, and sweep nearby stadiums. These are the places with the highest potential for scoring cans. Also, make sure to compare the prices from various scrapyards and sell to those that pay the most.
Monetize Your Hobby
Did you know that your hobby can potentially solve all you “I need money right now” issues? That’s right, platforms like eBay and Etsy are flooded with potential customers of various arts and crafts. Meaning, if you enjoy painting or making jewelry, you can earn cash selling them. All this is done online, so you won’t even have to leave your sofa to make quick bucks.
Get A Credit Card
One way to get instant cash is to withdraw them from your credit card balance. This is an option even for people with bad credit, as many banks have such deals too. Just remember that credit cards come with fees and interest rates. They also charge a commission on late payments. Plus, missing payments can further damage your credit history.
Here are some of the best offers on the market right now:
- Best secured credit card – Capital One Secured by Mastercard
- Best unsecured credit card – Credit One by Visa
- The easiest-to-get credit card – OpenSky by Visa
- Best credit card for students – Discover it Student
How Can I Borrow Money Now?
Americans who need fast money today have no better option than online loan providers. The brands mentioned above in the article have extensive networks of trusted lenders. Once connected, you can expect a response in 5 minutes. Depending on when you submit your application, the cash can arrive the same or the following day.
At the time being, there’s no faster money assistance than short-term online loans. Another great provider of such loans is BlueTrustLoans. To learn more about this reputable company, read our honest Blue Trust Loans review.
Where Do You Turn If You Need Money But Have Bad Credit?
Do you have bad credit and need cash asap? No worries, there are options for you, too.
First, you can try applying for emergency loans. All of the loan providers reviewed in this article have offers for people with bad and poor credit history. Just remember that loans given to individuals with poor bank ratings tend to be smaller in size and with higher APRs. Still, these are the best option for those who need money by tomorrow.
Second, you can get or use your credit card. There are lots of great credit cards for bad credit Americans can apply for. There are various offers on the market, including secured and unsecured cards alongside deals for students.
What If I Need Money Now But I’m Unemployed?
Unemployed individuals without any income may have difficulties qualifying for loans or credit cards. Hence, their first option is to use one of the alternative ways listed above. A side gig or selling items are their best chance of making quick cash. These persons often qualify for government help too.
Most loan providers work with lenders that serve unemployed Americans who receive benefits. Meaning, if you receive this type of help, you can apply for online payday loans.
There’s no need to despair if you need some money immediately. If you’re employed, you can always use the services of trusted online loan providers to get fast short-term loans. Alternatively, you can use our list of 10+ ideas for making quick cash. In any case, financial emergencies can be managed with the right strategy and information.
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