Fast Quotes Online
Getting your quote online could not be easier. With just a little simple information, you may be able to get a quote from one of our lenders. Used to working with bad credit, they might be able to make you an offer that will solve all of your problems. Ready to find out?
Other Ways To Get Your Money
A loan is easy and fast, but you might have other options to get your money. Cash loans are, after all, very expensive. So, get your quote but consider your options before you commit. Here are some possibilities.
Sell Something Of Great Value
You might not have anything worth $1800 or more so this might not be the total option, but you might have a lot of little things that you can sell. Maybe they will add up to what you need. If not, they can at least limit how much you have to borrow. The less you have to borrow, the less that you have to pay back.
So, what can you sell and where?
One possibility is jewelry. If it is in style, you can sell it on eBay or locally on craigslist. Use caution with craigslist as many people have been scammed and/or robbed. If the jewelry is a bit outdated, it still has value. Take it to a gold and silver store and sell it for its weight in gold or silver. The great thing about this is you get rid of something that is taking up room in your jewelry box and you can get cash money the same day.
Another thing to sell is electronics. Things like iPads, laptops, flat screen televisions and video game systems. If you want the best value out of these items, eBay is the best place to sell them. To get your money fast, sell it for a bit under value with a “buy it now” listing. If you can wait, do a 10 day auction.
Borrow From Your Family
Family and friend can be a great means of support, both emotionally and financially. If you have a rich aunt or uncle, perhaps they would give you an 1800 dollar loan. People tend to get in trouble sometimes mixing money and family but it can work if you go about it the right way.
The main problem that people run into is that they treat the loan too informally. You will not be dealing with a bank but this does not mean that you do not need a contract. Without a contract, memories tend to get blurry. People forget just how much was borrowed and the terms of the agreement.
If you decide to borrow from a friend or relative, you need to draw up a written contract. It does not have to be anything fancy. Put in writing the amount borrowed, any interest or fees you might agree on (hopefully none), how long you have to repay the loan and what payments you plan on making. Also, be sure to record any payments made. If you pay cash, get a signed receipt and keep it. Even better, pay the loan back with a check or by electronic payments from your bank. Something that leaves a paper trail so that you can prove you paid money back.
Borrow From Yourself
There are two ways to do this. First, if you have a 401K, you might be able to get an emergency loan. The interest would be low and the payments would be minimal. There is a bit of paperwork involved so it can take a week or so to get your money. If you can wait a bit, it is one of the cheapest $1800 loans that you will find.
Another way to borrow from yourself is to ask for an advance on your paycheck from your employer. Many employers will advance you money and simply take it out of your check or checks. This is a bit more common with small companies and you are more likely to be granted a quick loan if you have been an employee for some time.
Get Help With Rent
If rent is what you need money for, there are many places that help with rent that you can turn to. Many of these places can give you assistance so that you can eliminate the need for a loan entirely.
You will find that the biggest source of aid will be your local government. If you are having trouble making rent, you may qualify for housing vouchers and even downpayment assistance on a new place. In addition, many churches and organizations like the Salvation Army may be able to help you.
Paying Back The $1800
So, you decided to pay back your loan. Now, you need to figure out how you are going to pay it back. Ideally, you would do this before you accept your money but if you were in a hurry, you might not have thought things through completely. No problem, these days there are lots of ways to make some extra money to pay back a loan. Here are some ones that you may or may not have thought of.
Donate Your Plasma
Would you like to make $200 to $400 a month while catching up on your reading or social media? If you are good with the needle you can do just that and at that rate, you could pay back your $1800 in just over 4 months.
Plasma donation helps to save lives and can make you a good deal of money with little effort. You can donate up to twice a week and you can do that very week.
How much you make will depend on how much you can donate at one time. The bigger you are, the more plasma you can donate at once. Expect to make somewhere between $25 to $50 a donation.
Places like Walmart and Target need night time stockers and they are willing to pay well for them. In fact, both companies recently upped their starting pay. They are doing this because it is becoming increasingly hard for them to find workers.
The good thing about these late night and often 24 hour stores is that you can fit the work into any schedule. This is important if you already work odd hours or have kids to take care of.
Currently, the minimum wage at Target is $13 an hour. Work just ten to fifteen hours a week and you could pay back your loan in as little as three months.
Make Budget Cuts
If you can not fit extra work into your schedule, you have another option. You can simply make some budget cuts. A little cut here and a little cut there can make a big difference. Here are some things you can do.
Cut your food budget. We all have to eat but we can change the way that we do so. First off, cut off dining out. Bring your lunch to work and stop going to restaurants until your loan is paid. Next, when shopping at the grocery store switch to generics and focus on the staples. Make rice, beans and potatoes the base for your meals and you can still cook healthy and save a lot of money.
Next, take a look at your fixed bills like cable/satellite, cell phones, car insurance, etc. If you have not yet, cut the cord and ditch cable in favor of subscription streaming services. If you have a big cell phone plan, consider cutting it down or switching to a cheaper pre-paid service. Finally, audit the rest of your bulls like insurance and see if you can get cheaper rates somewhere else.