You’re already broke, and your car just conked out. Or maybe you’re cash-strapped until next week’s payday, but you’re short on rent, can’t make the minimum payment due on your credit card bill, or simply forgot you need to chip in for a birthday gift. When you’ve run out of money, there’s an endless number of reasons why you might need cash – quick.
And you may feel like your options for making money quickly aren’t so endless. Because they’re not. So if you need cash quick and you’re looking for some legitimate ways to make money fast, here are some ideas, depending on what “quick” means in your situation:
If you need money today or tomorrow…
Try the obvious: Look around your home.
We need to get this out of the way first, and besides, maybe you haven’t thought of this because you’re in complete panic mode. Check the sofa cushions, your pants pockets, old coats in the closet, and your car, where spare change may have fallen between the seats. If you haven’t ransacked your home lately and cleaned yourself out, there’s got to be some money lying around.
Ok, so you’ve tried that. Next, you might move onto…
Take out a cash advance.
Your credit card may offer the option of a cash advance, which allows you to take out cash (from an ATM) against your card’s credit limit.
The downside here is that you’ll pay through the nose for this privilege: Between cash advance fees and higher-than-usual interest charges that begin accruing the second you put your hands on the money, you can easily find yourself paying $1,000 to access $800, for example. Still, it’s a way to turn your available credit into cash.
In the 10 states that have bottle deposit laws, including New York and California, you can return most aluminum and glass bottles and cans for five cents apiece (10 cents in Michigan).
They don’t even have to be your bottles: Plenty of people are too busy or lazy to bother returning a six-pack worth of beer or soda cans for 30 cents and simply leave them out for curbside pickup. It may not be trash day in your neighborhood, but it surely is somewhere. Fill up a 50-gallon trash bag with cast-off cans, and you can redeem them for about $12 – it’s just a start, but you can do it again and again, and all it takes is time and hustle.
If you don’t live in a bottle deposit state, you can still cash in on recyclables by selling scrap metal. You may not have enough soda or beer cans lying around to make this worthwhile — and steel prices are so low right now, it’s not really worth the bother to go collecting them. But if you do have a lot of aluminum cans on hand, or if you have any scrap metal with copper in it, find a local recycling center and see what you’ll get (prices vary wildly by market). Still, unless you have a lot of copper pipes lying around the garage, or bags and bags and bags of old soda cans, realistically, we’re probably talking about getting $5 to $20 back.
Pawn or sell items of value.
Think about this one for awhile before you try it. If you have something really valuable or meaningful, like your dad’s 1950s model train collection, your grandmother’s gold necklace, or the coin collection that you labored over as a kid, selling it may help put out a fire today — but you really may find yourself kicking yourself down the road.
What’s more, you’re unlikely to fetch as high a price for something of value when you’re under pressure to sell it locally and right away. But depending on the severity of your situation, if you have something valuable to sell, this may be the time to leverage it.
A better option is digging through your closets, attic, and basement for stuff that may still have some value, just not to you: An old DVD collection, your 10-year-old’s baby clothes or toddler trike, or the cappuccino machine (or bread maker, or juicer) that you only used once.
If you’re not using the stuff, you probably don’t need it anymore, and you can afford to sell it at a cut-rate price if you need cash quick. Post a free ad on Craigslist or a local Facebook Yard Sale group and indicate that you’re willing to deliver the items for a speedy transaction.
Get a part-time job.
If you pick up a side job at some fast-food restaurant or department store and start today, it’ll probably be up to a month before you get your first paycheck. You work two weeks, and two weeks later, the check comes in. Maybe you’d get paid sooner — but in my experience, when I’ve needed cash quickly, it’s better to be pessimistic and plan for the worst and hope for the best.
If you’re looking for cash quickly, you have my sympathy. It isn’t a pleasant position to be in obama and student loan forgiveness
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There is no doubt that emergency loans bad credit have helped out many people in dire financial need, and the following are three completely true stories about people who have benefited from them in the past cash loans in somerset west
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It’s easy to qualify and OK if you have bad or no existing credit. Just be over 18 years old with a monthly income of $1000 per month and an active checking account.
Getting a loan is as simple as filling out a short online application and confirming your information. Remember, FastLoan.org is not a lender and there is no fee or any obligation to use our service. Fees only apply if you accept the loan terms offered by the lender. You must carefully review the terms and conditions of any loan offer presented to you. If you don’t like any of the lenders’ terms, simply cancel the request.
You shouldn’t have to worry about intrusive questions or in-store interviews. Life is stressful enough without having to worry about how you’re going to pay for a trip to the doctor or replace a malfunctioning appliance or simply put food on the table. Don’t hesitate and make things harder on yourself, click on the quote box above to apply.
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Subject to state regulations, eligibility, credit check, underwriting and approval. Rates, terms and conditions apply. Installment title loans subject to minimum auto value requirements. See associate for details. Lending decisions and funding times subject to system limitations. Some applications may require additional verification, which can delay the lending decision. Same day funding only available for Opt cardholders and in-store pickup.
NOTICE: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.
California: Speedy Cash is licensed by the California Department of Business Oversight pursuant to the California Deferred Deposit Transaction Law. California loans other than deferred deposit loans are issued pursuant to the California Financing Law. Installment Title Loans subject to minimum auto value requirements.
Nevada: The use of check-cashing services, deferred deposit loan services, high-interest loan services or title loan services should be used for short-term financial needs only and not as a long-term financial solution. Customers with credit difficulties should seek credit counseling before entering into any loan transaction.
New Mexico: Speedy Cash is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website
Ohio: SCIL, Inc. dba Speedy Cash, is a registered Ohio Credit Services Organization (CS.900174.000) operating pursuant to the Ohio Credit Services Organization Act. The actual lender is an unaffiliated third party. The Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law.
Tennessee: The State of Tennessee requires a minimum principal reduction. In order to comply with the minimum state-required principal reduction, Speedy Cash requires that minimum payments include a principal reduction of 2% or $2.50 for Customers who get paid bi-weekly/twice-a-month, or 4% or $5 for Customers who get paid monthly, whichever is greater.
Texas: Speedy Cash operates as a Registered Credit Access Business (CAB). The actual Lender is an unaffiliated third party. Speedy Cash engages in the money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. Speedy Cash engages in the money transmission and/or currency exchange business as an authorized delegate of MoneyGram Payment Systems, Inc. and Western Union Financial Services under Chapter 151 of the Texas Finance Code.
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There are a wide variety of loan products available in the marketplace, so your choice of lending products should match your financial needs. Small-dollar loans used over a long period of time can be expensive car loan cal
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A payday loan is a small amount of money that is lent to you in the case of emergency. It is often required when you want to pay for the accidental car repair or the healthcare bills that have suddenly occurred. In the case of the payday loan, you have to return the money in a short amount of time; usually, in the week in which you receive your paycheck. The main question that arises in all applicants minds is whether payday loan lenders check or do not check credit history. We will try to make things clear. Everybody knows that credit score is a number, that generally speaking just shows a person’s level of financial trust and credibility. So, once a lender wants to assess your ability to payback the online loan, they should generally check all your information including your rating. But that happens not always, and varies from lender to lender. Let’s take a closer look at those situations:
is performed when a person applies for a really small loan, up to $300-$500. Lenders may carry out a small identity check just to make sure that you are not bankrupt, and that you stick to the main requirements of getting an online loan: age, proof of income, bank account.
is performed by several lenders when you apply for larger amounts of money. Lenders may look at your overall financial information, including average income, defaulted accounts and payment history. The good news is that such soft credit checks are visible only to you and they will not hurt your credit score. So, you are still able to get a bigger loan with minimal checks.
are mostly unwelcome, but there are still lenders who run such checks while deciding whether they approve you for a quick online loan or not. Besides checking your basic information, they can inquire information about your credit history from 3 main credit bureaus. Such full checks may even hurt your credit score, especially if you’re filling out too many applications. So, it is very important for you to read carefully all terms and conditions before you apply, to ensure that you know which kind of checks will be performed, and how this information will be used.Many lenders tend to review your score, so your poor credit can affect you, but it doesn’t have an ultimate importance in the lending decision process. The reality is, that the importance of your credit history differs from one lender, to another one. Loan lenders may be not the only ones who consider your score. Did you ever think that when you’re trying to rent an apartment, start a utility service, or even buy a mobile plan, your credit could be reviewed as well, to make sure that you are making your payments on time Even some employers may want to find your credit score out, but this can be done only with your approval.
In the end, it’s impossible to say where and how exactly will be considered your credit by lenders or other service providers; while one lender may reject you for a loan, another one may be happy to offer you an urgent help. But the best way for you to build your future, is to continue working towards a good credit history that will open a lot of doors for you.
The only thing that you have to keep in mind is that the payday loan might cause you a high-interest rate so beware of that. Plan properly about how you will pay back the money you have and after that apply for the payday loan can loan be taken in cash
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