Trying to figure out how to get a cash loan? We can help you. There are a lot of different ways to get a cash loan. No matter what you need the money for, the methods below will get you what you need.
5 Ways To Borrow Cash Money
These are tried and true ways to get money now. Not all of them may be available to you, it depends on your situation. Regardless, you should be able to use one of the methods below to get the cash loan that you need.
1. Begin With An Online Loan Network
We can give you access to one of the largest networks of lenders on the internet. This network can help you get the money that you need and it is easier than you think. You just need to fill out one simple form and you will have your loan decision in a matter of minutes in most cases.
Here is how this loan works: Click on the amount of money that you need. Then fill out a little personal information like your name, address and your source of income. Finally, enter your bank information so that you can receive your money and submit. If approved, you can complete everything online in most cases and get your money as soon as the very next business day
Good and bad about this cash loan: The great thing about this type of loan is that it is easy to qualify for and it funds very quickly. Most of the time, you will have your money the next business day. The negative is that the fees can be quite high and the loan term is very short.
2. Get A Pawn Loan For Cash
In most parts of the country, there is a pawn shop within a 30 minute drive. All you need to do is take something of value in and get a cash loan. You can walk out with the money you need within minutes, if they want your item at least.
Here is how this loan works: You bring in an item of value, say a gold ring or a laptop computer. The pawn shop will value the item and then give you a fraction of that value as a loan. Expect to only get about a third of the value for it as a loan. The pawn shop will want to make a big profit it you default. You then have a set amount of days to pay back the loan and any fees and storage costs mentioned in the loan contract. If you default, they get to keep your stuff.
Good and bad about this cash loan: This cash loan has the advantage of funding the same day, in most cases. This is because you can walk in with an item and simply walk out with cash. The downside is that you risk losing your property and your loans are limited in amount. Because the pawn shop only gives you a small portion of the value of the item in cash, you can only get so much money. Most pawn loans are for around $100 in cash.
3. Get A Cash Loan From Family
If you have some family that trusts you, you might be able to get a nice interest free loan from them. This might be the quickest way to get money and you, of course, need no credit. You just need to be in good standing with your family.
Here is how this loan works: You ask a family member if you can borrow money and they look back at you with a raised eyebrow. If you have not burned this bridge in the past and your family member has money to spare, they will let you borrow the money. You can then take care of your emergency expense right away. Once you have money, you should pay back the loan just as soon as possible, maybe with a nice thank you card.
Good and bad about this cash loan: This is the only loan option with no fees which can easily help you get back on your feet quicker. It does potentially have a high cost though. If you default on a loan to your family, you can leave behind hurt feelings. These hurt feelings can haunt you for years.
4. Get A Car Title Loan For Cash
Have a car or truck that is completely paid for? That is all that you need to get a title loan. With this type of loan, you can walk in with your car title and leave with cold hard cash to pay for your emergency bills. It is a loan that is easy to qualify for because your car is the collateral.
Here is how this loan works: You locate your car or truck title and bring it into the Title Loan store. They will take a look at your vehicle and make you a loan offer. The offer will be for a fraction of the vehicles value. Just like with pawn shops, these folks want to make a huge profit if you default. You take your money and use it for your cash emergency. You then make payments on the cash loan until the principal and fees are paid back. If you default on this loan, they can and will repossess your vehicle, so be careful.
Good and bad about this cash loan: Like with pawn loans, these loans can get you cash in a big hurry. Most of the time, you will have your money in hand the same day. The thing you need to watch out for however is losing your vehicle. It is all too easy for the title loan company to take your vehicle if you default on a loan. What would happen to you if you lost your car and could no longer get to work?
5. Get A Cash Advance Loan From Your Credit Card
If you have a credit card in good standing with available credit, this might be a viable option for you. Expect to pay the highest interest that your credit card can charge. This is usually around 24.9%.
Here is how this loan works: You can get your cash advance in two ways. If your expense can be paid for with credit, simply use the card to make the purchase. This would be the best way to go about things because you would avoid the cash percentage rate. If you need cash, you can simply take your card to an ATM or a bank and withdraw cash from it. There is usually a limit to how much of your balance you can withdraw as cash, so check with your bank for details. You then pay back the loan with your regular credit card payments.
Good and bad about this cash loan: Besides a loan from family this cash loan probably has the lowest interest rate and fees of any of the loan choices. In addition, with a credit card loan, you will have a lot of time to pay it back. The only real problem with it is that there is a good chance that you do not have enough of a balance left on your card to take out a cash advance. No credit available, no loan.
If money has gotten tight because of an unexpected expense or a short paycheck, one of the areas that you might be looking to make some cuts is your phone bill. Getting an extension on your cell phone bill might just be the way to get that budget balanced. An additional way is with a cash advance loan from one of the lenders in our loan network. It could be a good choice but you will not know for sure until you get a free, no obligation quote. Why not see what you can get, it only takes a second. Then you can review your options for cell phone bill extensions and decide which option is right for you.
Phone Bill Extensions By Provider
Every cell phone provider has their own rules and policies as it goes for bill extensions. All that we can tell you to do is contact your provider to find out if they will allow you to get an extension.
Choose Your Phone Provider
Choose your cell phone provider from the list below to see possible bill payment extension options.
Verizon’s extension plan is called a PROMISE TO PAY. To use it, go to your Verizon app and select “bill”. Then tap”make an advanced payment” and scroll down and tap”promise to pay”. Enter a payment amount and enter a payment date and then tap “promise”. Make sure everything is correct and tap “make a promise to pay”.
You can also set it up on the website by going to the “make a payment arrangement” page. You will then select “schedule a promise to pay”. Then enter the amount to pay, a date and tap “continue”. Review your information to make sure that it is correct and tap “make a promise to pay”.
You can contact customer service at 800-922-0204.
With Sprint, you may be able to qualify for a PAYMENT ARRANGEMENT. To find out if this option is available to you, first sign into your account. Then, from your dashboard, click on the “other date” button and then click on the “calendar icon”. Finally select a date that works for you and a message will appear to tell you whether you qualify for a cell phone bill payment extension or not.
Contact customer support at 888-211-4727 for more information on payment extensions and offers that might apply to your account.
T Mobile Wireless
You may be able to make PAYMENT ARRANGEMENTS with T Mobile, depending on the status of your account. From the website, log into your account and click on “billing”. Go to “payment settings” and select “make a payment arrangement” . Enter your details and select “agree and submit”.
From the T Mobile app, click on “bill” and then click on “payment arrangement”. Click “payment installments” to set up your arrangement and then select “payment method” to enter your method of payment. Finally, click on “continue” read your terms and then click on “agree and submit”.
You can also contact customer service by dialing 611 on your phone or by dialing 877-746-0909 from another line.
To see if you have payment arrangement options, log onto your account and open the payment calendar to see if future dates are available to you. If no dates are available, you do not have arrangements that can be made. Contact customer service for possible other payment alternatives. Late fees may still apply even if you make arrangements if the payment is made after your original due date.
If you would like to speak to customer service about your bill, you can do so by dialing 611 on your phone or calling 800-331-0500.
BRIDGE PAY is the program that Cricket has. It allows you more time to pay your bill and allows you to split up your payment. You must set up this plan within 7 days of your normal due date, either before or after it. There is also a fee involved of $5 for a single line and $10 for a multiple line account.
There is no online way to set up BRIDGE PAY. You must either go into a retail store to set it up or call customer service at 1-800-274-2538.
Metro PCS has a program that can get you a thirty day extension. It is called BILL FLOAT. Go to your online account page and login. Then visit the payment options section and select the BILL FLOAT option. Follow the instructions and you should be given a temporary 48 hour extension while your request is reviewed. You can contact Metro PCS customer service at 888-863-8768 or by dialing *611 on your cell phone.
Call customer service at 888-936-4968 to discuss payment arrangements if you can not make your bill due date. If you are in good standing, you should be able to get a ten day extension on your cell phone payment.
For any bill related issue, you can contact Simple Mobile at 877-878-7908.
If you need to make money and you have a pickup truck, you are in luck. We have several foolproof ways to make money with your pickup truck. Most of the ways can let you get started right away while others might take a bit of time. If you need money in the meantime to get you by, we can help with that as well. Check out the form below to get a free, no obligation loan quote from one of the lenders in our network. It takes just a minute to fill out the form and get your offer, so why not start now.
Make Money With A Pickup Truck
If you have a pickup truck, you have something that a lot of people do not have. You have a way of moving things around. With a little bit of hustle, you can turn that into a regular source of cash. Here are some of the top ways to make money with your pickup.
Cutting Lawns With A Pickup Truck
The biggest expense in a lawn care business is the transportation to move all the equipment around. You probably already have or have access to a lawnmower and a trimmer. All you need to do is get the word out about your business. Luckily, business cards are cheap. Print out a thousand cards with a call to action like a new customer special. Then go put the cards on the doors in your target neighborhood. Be sure to dress nicely so that if you happen to catch a homeowner out and about, you can talk to them and give them your sales pitch.
So, how money can you make with your pickup and a lawn care business? Do the math. You can easily do 10 to 12 lawns a day if you plan a nice route and earn $30 to $40 a lawn. That is $360 to $480 a day which is a great payday if you need money. In addition, you will get a nice tan and might lose some wright if you need it.
Small Moving Jobs With Your Truck
Post an ad on Craigslist for small moving jobs. Many people need to move a sofa or a refrigerator across town and they have no way to do it without renting a truck. It would be much easier for them to pay you to do it. All you need is a few cheap moving blankets, some tie downs and a dolly and you are in business.
Want to get even more creative with moving? Park yourself out in front of a home improvement store or a store like IKEA. Get a sign advertising moving services and you might be surprised at just how much work you might get. I cant count how many times I have seen someone trying to stuff an oversized item into a hatchback to no avail. At that point, they can either return the item or pay you to help them move it. You could easily make $200 a day to $500 a day if you put in a full work day and hustle.
Metal Recycling With Your Pickup
Ever see those guys running down the load with a truck full of metal junk? They are recycling metal and you can get paid to do it. All you need to do is find a local scrap yard and get their rates for various metal.
Then, you need to find the metal. One way to do that is to check the free stuff section of Craigslist. People want their scrap metal gone and will let you come and take it for free. Another way is to drive through neighborhoods on bulk pickup day. Then you can NEATLY go through the piles of debris and grab the recyclable metal. Just be courteous and do not make a mess.
Junk Removal With Your Pickup
People have jun and always will have junk. At some point, said junk must be removed. This is where you come in. You can advertise your services on Craigslist or you can print out business cards with your information and hand them out door to door. Here is another great tip to get work, contact realtors. Realtors are always helping people get their house ready for sale and this often involves removing clutter. Most realtor offices will allow you to place fliers int he mailboxes of realtors. Get a large stack of flyers printed up and go to town.
Use Your Pickup Truck To Clean Carpet
Not the truck itself of course but you can use it to get carpet cleaning equipment around. Professional carpet cleaning machines, not rug doctors, are heavy and bulky. You need a truck to get them around. Look for a used machine at pawn shops or carpet cleaning supply stores and get a bottle of carpet cleaning prespray for about $30. You can then charge anywhere from $15 to $40 a room depending on what kind of customers you go after and how good you are. Do good work because your reputation is everything in this business.
Trash Pickup Services With A Truck
Rural areas of the country are not served by municipal trash services. They still have trash though so how do they get rid of it. Many will burn some of it but you can not burn everything and the practice is becoming less common and even frowned upon. This is where you come in. For about $20 a week, you can take away their trash and dispose of it at the local dump. You may need to provide barrels and if your business grows enough, you might need to invest in a trailer. The great thing is that this is regular work with contracts that you can easily build upon. It is a business that could grow very quickly.
About Starting A Business With Your Truck
Every city is different as far as licensing , insurance requirements and taxes go. If you find yourself in a lucrative business that you want to carry on with, you will want to find out what the requirements are where you plan to work. Pay particular interest to the need for business insurance (which is cheaper than you think) and sales tax collection.
The key to any business, whichever one you chose is attracting and keeping customers. To find customers the most cost efficient way is by word of mouth. Tell all your family and friends that you are in business and would appreciate it if they would spread the word. Ask them to post something on facebook about it for greater reach. If you are part of a church, tell the community that you are in business. Be careful with expensive print media, radio advertisements and phone books. They will have huge learning curves and do not offer much of a return on investment.
As far as keeping your clients, be sure to do good work and reach out to them on occasion to see if they need more work. It is perfectly legal to call a customer that you have had dealings with in the past. The do not call list does not apply. Besides, if you are nice and do great work, they will not mind the calls.
Financial problems strike everybody from time to time. If you are facing an emergency, we might have some possible solutions for you. One, might be a cash advance and our lender network is ready to make you an offer. Let us know how much you need to get started with your free quote. The quote places you under no obligation and it takes just a minute to get an answer. Is this the place for you to get help with rent? Why not find out.
Other Places That Help With Rent
A cash advance may be the quickest way to get the money that you need, but it certainly is not the only way. Here are a few other places that you can look for some help with your rent money.
Churches That Help With Rent
If you need help with rent, a church may be able to help you. Thousands of churches around the country offer programs to help low income families in need with rent money. Your best bet is to reach out to your own church but if that is not an option, another local church might be able to assist you.
Salvation Army Help With Rent
The Salvation Army offers support for people hurt by emergency situations but they also offer rent assistance for low income families. They are a christian based organization that is active extensively in most communities.
Catholic Charities That Help With Rent
Catholic churches are particularly willing to help out those in need. This is a good place for you to start in your search for places that help with rent.
Contact a local Catholic Church and ask if they have a Society of St Vincent de Paul representative. This organization of the church provides assistance to individuals on a person to person basis. This can be financial aid or it could be counseling or intervention on a persons behalf. The society helps more than 5 million people every year.
Click here, for help finding a local representative of the society. Scroll to the bottom of the page linked to and you will see a state by state listing.
State Help For Rent
Most states have some sort of department that is there to give you assistance with rent or mortgage payments. They might be able to help single parents, members of the working poor or other needy individuals. You might be able to receive rent assistance, downpayment assistance, utility help and more.
Alabama has a number of non profit organizations to help residents with rent and eviction prevention. Visit the HUD.Gov website for information on reduced rent or subsidized housing.
The Alaska Housing Corporation at 800-478-AHFC may be able to help you secure affordable housing with private rentals. Also check out the US governments HUD website for information on housing vouchers.
Assistance with rent is available with the Arizona short term crisis program. Access to this program is limited to once every 12 months, you must have a child under the age of 18 and there are income limits. Learn more here.
You may be able to qualify for a grant that can pay for the deposit on a home or used to stop eviction. Call (870) 536-0046 for details.
The California Department of Social Services may have a program that can help you with your rent or eviction problems. Call 916-651-8848 to learn about possible aid and/or grants.
Colorado has housing and homeless prevention programs that can assist you. Call 303-866-4921 to find out if you qualify for one of these programs.
Connecticut has a program called RAP or Rental Assistance Program designed to hep low income people with rent and housing needs. Learn more by calling 800-842-1508
If you find yourself in need in Delaware, you are in luck, so to speak. Call 800-464-4357 to learn about the TANF program. Temporary Assistance For Needy Families can get you money to pay for food, rent and/or utilities.
The office of Homelessness can help you with rent and other needs. Contact them at 850-922-4691 to help with prevention of eviction or possibly help with utility payments.
The Georgia Coalition To End Homelessness may be able to offer you a rent assistance voucher to help you pay back rent. If you are a single mom or otherwise needy individual, give them a call at 877-243-1576.
The Hawaii Financial Assistance Program is an extensive effort to provide help on many fronts. It can provide you with help catching up on rent, paying utilities and finding quality employment. Call them at 808-643-1643 for help.
TAFI is a program that can be of help to you in Idaho. Temporary Assistanc for Families in Idaho at 877-456-1233 may be able to find you money for rent, food, utilities, etc. Contact them to see if you qualify for help with rent.
The Rental Housing Support assistance program is a large program in Illinois that helps thousands with rent with the help of grants and subsidies. 312 386-1009 is the number to call to find out if you qualify for aid.
It is a law in Indiana that every town must provide Poor Relief to those in need. Contact your local town or city to see what kind of help they can provide you.
A program called Operation Roundup is one that may be able to help you. It is run by local utility providers and funds from the program can be used to pay for utilities, rent and other needs.
The Southeast Kansas Community Action Program may be able to help you with housing costs, contact them at 620) 724-8204 for information.
The Kentucky Housing Corporation may be able to assist you if you are a low income family, senior, single parent or a member of the working poor. Contact them at 800) 633-8896 for programs that might assist you.
A grant may be available to you in Louisiana. Call 337-788-7550 to see if you qualify for a program and what kind of rent help that program provides.
Rental vouchers can be applied for by calling 207-626-4600. You can also try the TANF program, designed for needy families at 207-287-6426.
If you need a shelter right away in Maryland, call 410-767-7328 for directions to a nearby one. You may be able to obtain help in preventing an eviction by calling 240-420-2100
The state has a rental voucher program that can be contacted at 617-573-1150. The vouchers can be used to pay for rent at acceptable homes.
The FIP program may help you temporarily pay for rent and help you become self sufficient. For information apply at your local Dept of Human Services. In addition, single moms might try the Center for Women in Transition at 616-392-2829.
If you have gone through a foreclosure, you may be able to get a grant to help you start your life again. Call 651-659-9336 for a grant of up to $2500 to help you secure housing from the Minnesota Home Ownership Center.
If you need help to keep you from being evicted, call 601-960.0557 for a list of state organizations and charities that may be able to help you.
Seniors can get help with housing needs by calling 800-235-5503 and speaking with the DHSS. Others can get help at a number of charities such as the Salvation Army 573-442-3229.
Call 406-841-2830 for information on Section 8 housing vouchers in the state. In addition, Billings Family Service at 406-259-2269 may be able to help.
Low income families with dependent children under the age of 18 may qualify for the ADC program. Aid to Dependent Children can be contacted through the Health and Human Services Dept at 402-471-3121.
Catholic Charities of Northern Nevada may be able to help you at 775-322-707. In addition, housing vouchers can be obtained through the department of HUD. If you live in Clark County, contact 702-455-4270 for help in preventing evictions.
You can get help finding transitional housing at 800-640-6486. In addition, you might find help with the New Hampshire Emergency Housing program. This program can pay your rent for up to three months and can be contacted at 800-439-7247.
The New Hersey State Rental Assistance Program helps needy individuals and families with their rent. Call 609-292-4080 and see if you qualify for this program.
The state of New Mexico has a RAP or Rental Assistance Program that can be reached by calling 505-843-6880. The program money can be used for down payment assistance, rent or utility payments if you qualify.
Find temporary help with bills by calling 800-342-3009 and learn about section 8 housing vouchers by contacting the following number 212-480-6463.
The NC Temporary Assistance For Needy Family program can be contacted at 919-334-1224 and may be able to provide rent help. In addition there are numerous transitional housing programs such ar Catherine’s House for single parents, 704-825-9599.
The North Dakota Housing Agency may be able to help and you can reach them at 701-328-8080. In addition, you can also try the Dept of Human Services at 701-328-2310.
Organizations such at the faith based Salvation Army, 216-861-8185, may be able to help you prevent eviction and stay in your home. In addition HUD and the state of Ohio offer Section 8 vouchers to help ay rental costs.
There are many programs to help in Oklahoma including Operation Roundup, a charity established by utility companies to help those in need. In addition, the Oklahoma Dept of Social Services can help in may cases. Reach them at 405-521-3646.
In addition to the Salvation army and HUD housing vouchers, there are also many eviction prevention organizations in Oregon, such as ACCESS at 541-779-6691 and CAT at 503-397-3511.
The Homeless Assistance Program might be able to get you the money that you need to meet your rent obligations. You can reach them at 800-692-7462. In addition ,their are a number of organizations that can help you including the CCA at 814-643-4202.
The Road Home program can provide grants to those experiencing short term housing problems. Their number is 401-222-2312. Organizations like New Hope For Families, 401-728-8490, works with government grants to help those in need.
Several programs are available through the Dept of Human Services, 803-898-7601. These include the General Emergency Assistance Program, the Low Income Home Energy Assistance Program and the Emergency Shelter Grant Program.
The South Dakota Housing Development Authority may be able to help you get into affordable long term housing. Reach them at 605-773-3181
You have he normal options such as the Salvation Army and your local Department of Human Services. Emergency services and aid can be applied for by calling 615-313-4700. There are many programs available that may help with rent, utilities and food.
Texas Health & Human Services has a database of programs that can help you with rent, deposits and even application fees for housing. Call 877-541-7905 for information. In addition, food stamps can help you save money that you can put towards rent expenses, 877-541-7905.
Temporary Assistance for Needy Families may be able to help you at 866-435-7414. You can also try more local organizations like the Carbon County Housing Authority at 435-637-5170 or the Provo City Housing Authority at 801-852-7080.
Your first call should be to the Vermont Housing Authority at 802-828-3295. They may be able to help you with a list of available programs. You can also look into a Section 8 housing voucher from the HUD.
Search for eviction prevention services such as the Commonwealth of Catholic Charities at 804-545-7200 or Hope INC at 877-818-8680. Also inquire with the VHSP at 800) 552-3431 for affordable housing options. Finally, the Virginia DHCD may be able to help. Reach out to them at 800-230-6977.
Washington ahas a number of different programs that you can make use of. This includes a State Family Assistance program, TANF and a child care assistance program. Call 800-562-3022 and learn more.
You have a few government and charity options in Dc, one is the Capital Hill Group which can be reached at 202-544-3150 In addition, you can find housing counseling at 202-667-7006. There is also Center City Association at 202-789-0868 and Change INC at 202-387-3725.
The EAP or Emergency Assistance Program may be able to help you at 304-558-0684. There are also numerous homeless assistance agencies like Community Networks INC at 304-260-9334 and Pride Community Services at 304-855-3945.
Call 855-757-4539 to find a local Wisconsin Works agency for possible help with housing. In addition, Workforce Resource may be able to assist you or provide you guidance, 715-723-2248.
Housing First is a program of the Wyoming Dept of Health and can be reached at 307-777-7656. They are in charge of helping the homeless and may be able to help.
When an emergency happens, time is often an issue. You need money and you need money now. Loan Monkey is here to help and without further delay, here is how you can get it. Get a no obligation loan quote from one of the lenders in our loan network. It is easy, free and you are under no obligation.
About Immediate Payday Loans
The first step in getting a fast cash loan is to fill out an application. Because you need your decision fast, the best course of action is typically to apply online. You are already here reading this so why not begin. It takes just a few minutes to fill out the short application and you will know your answer very soon. It beats the alternative of going to a brick and mortar payday loan store to apply. That could take hours when you could have your decision in as little as a few minutes online.
The next step in the process, if approved, is to review your loan offer. Your lender will send you all of the details of your loan for you to review. Do not get excited about receiving the loan and get in too big of a rush to look at your loan details. Be sure to read the entire loan contract before you sign and be sure that you understand all of the terms. Pay particular attention to the due date of the loan and the fees that will be charged.
If you like the terms and agree with them, you can sign your loan contract and your money will be on the way. You can get your money as soon as the next business day. It will be deposited directly into your bank account by your lender. You can do whatever you like with the money. Use it to pay bills, emergency expenses, etc. You should be advised that these loans should not be used to pay for unneeded expenses or luxury items. The fees are too high and the loan terms are too short for such a thing. If you can do without a purchase, you should do so.
At the end of the term, your lender will pull the money that you owe directly from your account. This will include the principle and the agreed upon fees. If you can not pay the loan back, you should contract your lender as soon as possible. They may be able to extend your loan but keep in mind that fees will apply. Try to pay off the loan if you can or at least pay down some of the principle. It is a very bad idea to continually extend the loan, just paying the fees and nothing else.
Do You Really Need Money Immediately?
This is a question that you need to ask and it is an important one. If you need money immediately and will suffer dire consequences without it, by all means, fill out the application at the top and get your decision. If you can wait a bit for the money it might give you the opportunity to choose a potentially better option. Time can give you the chance to review your expenses and cut out unneeded ones. It will also give you time to look at other loan sources like the ones to follow.
Time almost always changes your views on things so if you can wait, even a day before taking out a payday loan, that might be the best thing that you can do. If you sleep on it, you might wake up tomorrow with a better way to get the money or the need may have gone away.
How Much Money Do You Need Now?
This is another important question because you do not want to borrow too much money. Your lender is not going to limit you to just what you need. They will be more than happy to lend you as much as you qualify for. Having more money is great but the more money that you take out, the more fees that you have to pay back. Because the loan will be due to be paid back so quickly, too many fees can make your next payday just as bad as your current one.
So, first you need to cut your bills down as much as you can. Look at all the possible ways to do so. Next, look at alternative sources of money, alternatives that do not charge you fees. Finally, look at what you are short and if needed, borrow that much money and no more. Resist the urge to take out a loan for as much as you qualify for.
What Can You Use Your Payday Loan For?
People have many different reasons for needing immediate money. You can use your loan for whatever you want but these loans should really be used for just immediate needs that you can not get money for any other way. People commonly use them for emergency medical bills, dental bills, car repairs or for other expenses that just popped up out of nowhere and that must be addressed.
Immediate Alternatives To Payday Loans
You should always look for an alternative to a payday loan if you can. If you need immediate money or cash, there may be other options. Here are some of the most common. If one of them applies to you, why not take that route and avoid loan fees. If you can even borrow a small portion of the money that you need from an alternative source, you can save quite a bit of fees. Here are some possible alternatives.
- Family or Friends
You probably knew that I was going to go there. Yes, your family and friends may be able to loan you money with no fees or with low fees if they are a little less than friendly. I know that going to friends and saying that your broke is not ideal but it beats getting into a potentially long term financial problem. If you are able to go this route and take a family member or friend up on a loan offer, be careful. It is super easy for feelings to get hurt if someone thinks that you are not doing your best to pay them back. So, while you still owe money, never make unneeded purchases and avoid going out to eat or really buying anything but the necessities. Make paying back the loan immediately, your top priority and you will avoid burning this bridge. That will keep your family happy and allow you to keep your friends.
- Sell Something On eBay
Look around and see what you have that you do not need or could do without. Then list it on eBay and use the “Buy It Now” option. This will get you the money faster than if you did a lengthy auction, although you might get more money with an auction. Using the “Buy It Now” option also requires your buyer to pay immediately. The best way to get a quick sale is to look up your item and see what others are charging. List yours for 10% less and if it is a hot item, you could have your item sold in hours.
After the item is sold, you will have your money sent to your Paypal account. Once in your Paypal account, you can use a great new option from Paypal. Just link a debit card and for a small fee, they will send money to your account instantly. Pretty cool and immediate way to get money fast.
- Reduce Your Immediate Expenses
If you reduce the bills that you currently have to pay, you could reduce your need or even eliminate your need for a payday loan. It might be easier to accomplish this goal than you think.
First, if you have any credit cards, contact them before your next payment is due and explain that you are having a few money problems but want to stay current. Ask them if you can make an interest only payment. Most will accommodate you. If the person on the phone will not, ask to talk to a supervisor.
Next, if you have an auto loan, that is in good standing, call them and ask to defer a payment. Most lenders will allow you to do so. They simply move the payment to the end of the loan and extend your term. Some will do all of the work over the phone but others may require you to sign and fax or email in some paperwork.
Now, it is time to call your electric company. Many of them have equal month billing programs designed to spread out the cost of a high couple months of utilities. If so, you might be able to reduce your next payment slightly.
Finally, call your cable or satellite company and cancel the service if you are not in a contract. This is a huge immediate savings on something that is really a luxury. Better to not have cable and not have a payday loan as well. If you are under contract, ask them to pause your service. You will still need to meet the contract term but you may be able to save money for a few months and then reinstate it whn your immediate emergency is done.
Qualifying For Immediate Payday Loans
By now, if you read this entire article, you probably have a good idea whether you need a loan or not. If you do, you might wonder what you need to qualify. You might even be nervous that you will not qualify for one of these loans at all. The truth is however, that these are some of the easiest loans to qualify for. Many lenders do not even pull credit reports from the major credit bureaus. Even if you have bad credit, you can get the money that you need as immediately as possible. In general, if you have a verifiable income, a checking account and a phone, you can get a payday loan. Specific lenders have their own requirements but these are the basic things that you need.
Looking to sell an item and want to know what to expect from the pawn shop. I am sure that you are aware that you will be taking a huge loss, but just how much of a loss will you be taking? Most pawn shops will give you between 25% and 50% of the retail value. Depending on the item, that can be a huge loss. In addition, because of the reduced price, you may not get enough money to meet your financial needs.
There is another way to get the money that you need and keep your property. Instead of pawning, consider a cash loan. It can give you the money that you need and the fees may be less than the loss that you take from pawning your stuff. Either way, it does not cost you anything to get a quote so why not let Loan Monkey help you. Go to the short loan form and get your quote now.
Top 3 Pawn Shop Value Estimators
As promised, here is my list of the top three estimators on the web. I took a look at all three websites and this is my opinion of them.
The best choice for an online calculator in my opinion. This calculator let you get values without signing up for anything. I test ran a 500GB PS4 in good condition and got a value of $42 to $70. That is a pretty big loss off of retail value but is standard in the industry.
This website is a little less clear at where to go to get your quote, the layout is not that great. Got a quote for a PS4 and it did not ask for information like hard drive size or condition. They gave a value of $89 to $118 and then asked for you to sign in to send your quote to pawn shops. I find the price high, perhaps they are more interested in getting you to sign up.
This website requires you to go through a lengthy process of detailing your item and then you submit it to receive offers. I did not submit a PS4 on this website because I did not want to create a fake listing and give them trouble. If you are looking to sell your item to an online pawn shop, this might be a good option for you. If you are just looking to arm yourself with knowledge before visiting a brick and mortar pawn shop, this is not the place for you.
Car repairs can easily sneak up on you. Nobody ever says that they new their transmission or water pump was going to blow this week. If your car is down and out, you probably need to get it going as soon as possible so that you can keep getting to work, picking up your kids, etc. This is why you should consider a cash advance loan. These loans are easy to qualify for and fund very quickly. You can have the money that you need in your bank account as soon as the next business day. Why not stop the stress and apply for a loan now, It does not hurt or cost anything to apply so there is no risk in filling out a short application.
Cash Advance F.A.Q’s
- How long does it take to apply?
Just a matter of minutes in most cases. There are no long forms to fill out or faxes to send in. Everything can be done online.
- How long do I have to pay the loan back?
Most loans are due in about two weeks. Just enough time for you to get your next paycheck.
- When will I get my money?
Once you get approved, the money will be deposited right into your bank account. Usually on the next business day.
- How much money can I take out?
You can get up t about a thousand dollars. Be sure to only take out what you need because the fees are based on the amount borrowed.
- What if I need more time to pay my loan?
Loans can be extended in most cases but additional fees will apply. Try to at least pay off a portion of the principal if you must extend a loan.
If you desperately need money right now, we have your top solution. Our lenders are ready to make you a loan offer right now. It takes just a few minutes to fill out the secure quote form and you are under no obligation. Why not see what you can qualify for?
Need more information about the whole loan process and how it can ease your desperate need for money? Keep reading so that you can make an informed decision.
Top 7 Questions For When You Need Money
- How can I get money right now?
For starters, you can fill out the form at the top of the page to get your free quote. Then, if you like what you see, you can accept your offer and get the money you need as soon as the next business day.
- How long is the loan form?
These lenders know that you are desperate and do everything possible to make the loan process quick and simple. It takes just a few minutes to fill out one of their online forms. When you are done, they will give you your approval decision in just moments. There is no faster way to get a loan.
- When do I pay the loan back?
Cash advances are short term loans designed to get you through a sudden emergency. They are due to be paid back in under two weeks, in most cases.
- How much money can I take out?
Most loans will be for under $1000. Take out only what you need to get you through your emergency. The more you borrow, the more your fees will be.
- What can I do with my money?
Anything that you want although we recommend that you only use a cash advance for an emergency expense. These loans are perfect for those that “need money desperately” but not so good if you do not truly need the money right away.
- I need money desperately, is this the best option?
Only you can answer that question. Get a quote and look into the offer. If the terms are agreeable and it answers your desperate need for money, then maybe you should accept the loan. Just make sure that you have the ability to repay the loan when it is due.
- How can I make fast cash?
There are many ways to get money fast besides a loan. Look below for a short video with some ideas or scroll further down to see more ideas.
5 Ways To Get Money You Need Desperately
Here is a short video that highlights a few ways to get money right now.
How much do you desperately need?
Desperately Need $100
Let’s start out simply with $100. This is a relatively low dollar amount so you have many different options.
- Get A $100 Cash Loan Quote
This is the fastest way to get your money. Just fill out an online loan form and have the money sent directly to your account, as soon as the next business day. There will be fees involved with the loan however and you will need to be able to pay it back in about two weeks, in most cases.
- Sell Something Online
Next best is to sell something. To get the best money you would want to work with a website like eBay where you can let people bid on your item. To get $100 you would need to sell something like video games or perhaps a last generation video game system. Name brand purses and clothing can also get you money in this dollar range. eBay will take you at least a week if you choose a bidding option but you could get your money in a few days if you have a popular item and use the Buy Now option. For even faster results, you can look to Craigslist. Be careful though, a lot of scammers on that website.
- Trade In Old Books/CD’s/Records or Clothing
Second hand book stores such as Half Priced Books would love to buy your old books or audio. Just bring in your items and et them look through them. Usually within the hour you will have a cash offer and can walk out of there with money in hand. Similarly, second hand clothing stores will buy your name brand clothing and purses. They work the same way, bring the items in and get a cash offer quickly.
Desperately Need $200
The more that you need, the harder it gets to get the money fast. Still, $200 is not that bad. Here are some options.
- Get A $200 Cash Loan Quote
Still the fastest way to get the money. Fill out a short online loan form and get a loan offer. If you like the offer, your money could be in your account as soon as the next business day. Review all fees and terms before accepting a loan from a potential lender.
- Sell Something Online
You need to sell something of a bit more value to get $200 on eBay or Craigslist. A current generation game system or perhaps a 40 inch or larger television(newer model) could do the trick. Jewelry also will fit the bill. Be careful about getting certified funds or cash when selling online or through Craigslist.
- Ask For A Paycheck Advance
Many employers will advance you money from your upcoming paycheck. This is no risk for them because you have probably already earned the money. Use this option sparingly because you do not want to seem like someone who can not control their finances.
Desperately Need $300
Starting to get harder now. You still have some choices though.
- Get A $300 Cash Loan Quote
Most loans take just a few minutes to get started and you can have your money as soon as the very next business day. There are of course fees involved and the loan will need to be repaid within a few weeks most of the time.
- Defer A Bill
A dollar saved is a dollar earned so cutting $300 in bills is the same as getting $300. Call your credit card companies and ask if you can skip a payment or perhaps pay interest only. If you are in good standing with your auto loan company, ask to defer a payment to the end of the loan. Even electric companies can allow you to pay less than the total amount due.
- Get An Advance On A Paycheck
Still a viable option if you have earned this much money already. A lot of employers offer this option and can usually get you the money fairly quickly.
Desperately Need $400
Now we are starting to get into some higher dollar amounts. Still some good options though.
- $400 Cash Loan Quote
This can give you the money that you need so desperately as soon as the next business day. It never hurts to know your options so why not just get a quote and see what terms you can get.
- Defer A Car Payment
You will need to be in good standing with your auto loan company so act quickly before you get behind. Most of the time, you are just a phone call away from pushing a payment back. Some might want you to sign a paper but that is quick and easy with email and a scanner.
- Ask Your Family For Money
Hopefully you are on good terms with your family and this is an option. If so, it can be a great interest free loan. Just be sure to pay the money back just as soon as you can. You do not want to burn any bridges here.
Desperately Need $500
Every time the dollar amount goes up, the difficulty level does as well. Are you sure you need $500, could you get by with a bit less? Here are some options for you.
- $500 Loan Quote
This remains the easiest way to get money, especially as the dollar amounts go up. Although not available in all states, many states will let you get a payday advance for $500. To give this a try, fill out the short loan quote form and see what kind of an offer you receive.
- Credit Card Advance
Have a credit card with a high enough limit to pull out $500? Consider a cash advance. You can just take the card to an ATM or a local bank to process the advance and have the money very quickly. Note that fees on cash advances are much higher than those for regular purchases.
- Use Multiple Options
Higher dollar mounts like $500 will require more effort. Perhaps the best way to knock it out is through multiple channels. Sell old books to a bookstore, sell old name brand clothing in good shape to a thrift or second hand store, have a garage sale, turn in aluminum cans and cash in your small change. A dollar here and a dollar there can really add up.
Desperately Need $600
Getting progressively harder now but here are a few options to consider.
- Get A $600 Loan Quote
Fill out a short form and get a fast online loan quote. If you get approved, your money can be in your checking account as soon as the very next business day. This is the fastest option for most people although loan rules will vary by state.
- Title Loan
If your car or truck is free and clear, you can consider a title loan. Be careful because you do not want to lose your vehicle. Many people do so be sure that you can repay this loan on time.
- Sell Some High Value Items
Desperate times sometimes call for desperate measures. Craigslist is a good place to turn for fast cash on items, just be careful and meet in a secure location and only take cash. Some items that sell quickly are appliances, furniture, lawn equipment and tools.
Desperately Need $700
You are looking at some higher amounts now but if you are in urgent need of money, it is possible to get $700 in a hurry. Here is what you might consider.
- Fast $700 Cash Loan Quote
The amount that you can borrow will vary by state. Many states cap the amount at a percentage of your income and others have lower maximum amounts that you can get. Still, it never hurts to check, so why not see what kind of loan offer you can get. You are under no obligation unless you accept the loan.
- Have A Garage Sale
If you have the time, an impromptu garage sale can often raise the amount of money that you need. You will need to have a few higher ticket items in order to raise $700, just some old clothing and books will not do it. Small appliances, washers, dryers, furniture and small electronics all do well. Ask some neighbors to participate to draw in bigger crowds.
Desperately Need $800
Wow, $800 and you need it right away. This can be tough and you might need to consider multiple revenue streams to achieve your goal. Here are some options for your consideration.
- $800 Cash Advance Loan Quote
This is a lot of money to pull out of the air so this will be your fastest option in many cases. Some states will not allow you to borrow this much but if yours does, it is an option to consider. Just be cautious because a loan of this amount will have some high fees and because it will need to be repaid quickly, it can put you in another hole in just a few weeks.
- Borrow From Family
If you can turn to a relative with a little extra cash, do so. The loan will probably be interest free and they may allow you to repay it over the course of several months.
- Multiple Revenue Streams
You may need to do many different things to get your $800. Call lenders and ask to push back payments, get a paycheck advance from your work, have a garage sale or sell some items on Craigslist. Basically, you are going to need to hustle.
Desperately Need $900
This is getting a bit harder and barring the appearance of a rich relative, a loan quote is looking more and more reasonable. Here are some things to ponder.
- Get A $900 Loan Quote
You knew I was going to say it. Take a look at your options and look for the best one. Why not get your loan quote and then compare the fees to those that you might be charged if you did without the loan. There is no charge to get a quote but be sure to review the loan terms and charges before committing. Plan out your next few weeks financially and make sure that you will be able to repay the loan. If not, you are only delaying the inevitable and making it worse.
- Hustle Like A Desperate Maniac
Barring a loan, you will need to hustle like you have never hustled before. First, call your creditors and ask to push off payments or pay interest only. They want to keep you paying and do not want to see you default so it is in their best interest to work with you. Next, sell whatever items you have in your home that you can do without. Turn to eBay and Craigslist for this but watch out for scammers. Now, trade in your old books and music to used book stores, sell any gold and silver that you might have lying around and cash in your change jar. These are just a few of your option but be creative. Anything LEGAL that you can do to raise money will help.
- Get A Loan & Hustle
If all else fails, hustle for all you are worth and then borrow the rest.
Desperately Need $1000
If you need this kind of money with bad credit, you may have few options but to get a car title loan or a payday loan. First, try to do everything that you can to come up with some money and to get your bills down. Cancel cable, negotiate with creditors to reduce payments, etc. If you have the credit, a new credit card or a home equity loan may be your option.
Need Money Desperately? – Stop The Cycle
Whatever the amount that you need to borrow, whether it be $100 , $200, $300, $400, $500, $600, $700, $800, $900, $1000 or more, you need to resolve the issues behind why this happened. If you do not, you are doomed to have it happen again.
Emergencies happen to everyone but do not use this as an excuse for why you ran short of cash. You should have a savings account, at least enough to cover several months of expenses. If you do not, make a new budget that allows you to put at least $100 a month into savings. If you are not able to put some money into savings, you are living outside of your means. Plain and simple.
Cut out non essentials like eating out and cable/satellite. Set a food budget and only buy items that work with that budget, cut out the name brands. You might need to trade in your car for something cheaper or find a more affordable place to live even. Hard decisions need to be made but in the end, if you make them, you will be happier and ultimately, wealthier.
Need $500? We can help with a secure online loan quote. Our lenders are ready to make you an offer right now. It takes just a few minutes, it is absolutely free and you are under no obligation whatsoever. Take a minute and see what you can get.
Getting Your $500 Loan
The process is simple. Fill out a short quote form with your information and click submit. Your information will be securely sent to a lender or lenders in the loan network and if approved, the lender will provide you with an offer. You will be able to review the offer and decide if it works for you. If you like it, accept the loan and your money will be wired directly into your account ASAP.
Now, you might be wondering just how hard it is to get approved. The truth is that it is not that hard. Most people will get approved for a loan if they meet just a few basic requirements. You need to have some source of verifiable income for starters. This does not have to be a regular job. It can be any income like a monthly settlement, child support, etc. You just need to show that you have some kind of money coming in. Next, you need to have a checking account. This is where your lender will deposit the money and where they will take out the repayment. A savings account will usually not do. Finally, you need to have a good contact number. Your lender does need a way to get ahold of you. That is it in most cases. Have those few things and you will have some great odds of getting a $500 loan.
So, now, what happens if you get approved? First and foremost, you need to review the loan details. Make sure that you know exactly what you are agreeing to. These loans are a great way to get some fast money but they come with some hefty fees and have some super short terms. Read your loan documents well before signing anything. If you are unsure about something, ask your lender for clarification. If you do agree to the loan, your lender will deposit the money directly into your bank account, as soon as the next business day. You can then use the money for anything you like, hopefully just for emergency bills.
Questions About Cash Loans
- How long will it take to get started today?
You can fill out your loan form in no time at all. The online loan form is short and you will get your decision very quickly. Once this happens, you will be given an opportunity to review your loan offer. If you accept it, your loan proceeds will be deposited right into your account, as soon as the next day.
- Can i be approved with bad credit?
Yes, even if you have what you consider to be bad credit, you can still be approved. Lenders offering cash advances often do not even use the traditional credit reporting agencies. So, as long as you have a source of income and a checking account, you have a good shot at approval.
- When do I pay the $500 loan back?
These are short term loans and are due to be repaid quickly. Most loans will need to be repaid in just two weeks. Refer to the details of your loan offer for more details or ask your specific lender directly.
- How much money can I take out?
Loans can be up to a thousand dollars, depending on which state you live in, but if you only need $500, just take out that amount. The more that you borrow, the more fees that you will rack up and the harder it will be to repay the loan.
- What happens if I have another emergency?
You should only take out one loan at a time but if you need more time to pay the loan back, your lender may be able to extend the loan. Contact them as soon as you know but be aware that fees will apply. Do not take out another cash advance or payday loan while you still have an existing one. This is never a good idea and may even be against the law in your state.
- What can I do with my $500 loan?
Whatever you want, it is your money. We do however suggest that you only use payday advances for emergency expenses. Using them for fun money is a recipe for financial disaster.
Other Fast Ways To Get $500
You should always consider your options before taking out any loan. Here are some other possible sources of fast cash that you might consider. Keep in mind that if the methods below do not work to get all the money you need, they are still useful. If you get some of the money, you can limit just how much you need to borrow.
- Ask friends or family.
Borrowing from friends can be risky but if you are courteous and pay back the loan quickly, it can work. A free loan with no fees can be nice so if this option is available, give it your consideration. The only downside is that you have to admit your financial situation but consider this another positive. Perhaps a family member can give you some advice to get you back on the right financial track.
- Sell something.
Got an extra TV or game system laying around? Perhaps you can sell some things and save up $500. It might help you declutter your home as well. Consider Ebay and if you do, use the “buy now” option as this will allow you to get the money quicker than an auction. In addition if you send the money to your PayPal account, they now have an instant transfer function for a small fee.
- Get a credit card advance.
If you have a card with balance left, you can get a cash advance pretty easily. Check the fees, because these advances are usually charged at a higher interest rate than other balances. Even with the higher interest rates though, this option would still, in most cases, be less than the cost of a payday loan.
- Cut back on expenses.
You might be able to save $500 just by cutting back on bills. Call your creditors and ask to skip payments or make interest only payments. Put your satellite, cable or home wifi service on hold. Bring sack lunches to work. Walk or take the bus to save on gas. You might be amazed at all the ways you can save.Loans With Bad Credit
- Get a part time job.
If you can do without the money for a short time, perhaps a part time job is the right place to look for your $500. Think about driving for Uber or perhaps getting a part time job stocking for Walmart. With a starting pay of $13 an hour, you can get the money you need from them in just 40 hours or two weeks of part time work.
- Get a title loan.
Although not a recommended option, a title loan might be an option for you if you have a free and clear vehicle title. This can get you even more than $500 depending on the value of your car or truck. Use caution when taking out one of these loans however because they are secured loans. This means that if you default, they can and will come get your vehicle. Thousands of people have lost their vehicles by defaulting on loans.
- Donate Plasma
You can earn $200 to $300 a week by donating your plasma. This would take weekly donations but you can have the money that you need in just a couple of months with this method. There are also a couple of side benefits to donation. You get to feel good about yourself because your plasma will be used to save lives. In addition, you get a mini physical since they will be taking your blood pressure, pulse and a few other tests when you donate.
More On Bad Credit Loans
Yes, you can get a loan even if you have less than perfect credit. This is because lenders often use alternative scoring systems and have different requirements than traditional lenders. After all, if you had a 700 plus credit score, you probably would not be looking at a cash advance in the first place. So how do you get a loan with bad or poor credit. Here is what you need.
- A source of income.
This should be verifiable. It does not need to be a job but it has to be money that you receive on a regular basis. This could be a severance, settlement, child support, etc. Your lender just needs to see that you have the ability to pay back the $500 at the end of the loan.
- A checking account.
No, it can not be a savings account. Your lender needs to be able to deposit funds directly into your account and then they must be able to withdrawal funds out of your account at the end of the loan. The account should be in good standing.
- A valid telephone number.
Your lender needs to be able to contact you. This can be a land line or a cellular phone.
Have the above three items and you are well on your way to getting a loan. Now, some lenders might require a few more things because each will have their own specific requirements. This is where Loan Monkey helps. Our lender network can get you in front of more lenders potentially. When you fill out the quote form your information will go from lender to lender until one is found with whom you meet their requirements.
Selling Property To Make $500
This can be difficult because you might not have a lot of items that you want to get rid of or can even afford to get rid of. Still, you might have a few of the items below and they might get you the money you need. Even if you only make a few hundred dollars from the sale, keep in mind that the less you have to borrow, the less fees you will pay. This will make repaying the loan easier in the future.
- Jewelry: This tops the list of disposable items that can bring big money . You can sell it on an online listing auction site or simply go to one of the many stores that buy gold and silver.
- Electronics: Think computers, lcd televisions, iPads, high end phones, etc . Easily shipped items are great to sell at places like eBay while larger items like televisions are probably easier to sell locally.
- Furniture: Only if you will not need to replace it. A bedroom or living room set could net you $500 with ease. If you do not want to sell it yourself, there are consignment stores that will do the work for you in exchange for a percentage of the sales price.
- Appliances: Refrigerators, washer dryer sets. These items are in high demand. You can probably just put a sign out and have someone knocking on your door for a washer and dryer.
Sometimes an emergency occurs that you are not ready for. If this has happened to you and you need a quick $400, we can help. Our lenders are ready to make you an offer on the loan that you need. There is no obligation, the quote is free and it takes just a few minutes. Why not see what you can get?
Getting A $400 Cash Loan
Getting a cash advance or payday loan for $400 is not a very hard task. These loans have a number of benefits that make them perfect for emergencies. They are quick to get started with, easy to get approved for and they fund very fast.
To get started with a loan, all you have to o is fill out the short form at the top of the page. It will take you just a couple of minutes and then you can submit it for review by our network of lenders. The process happens securely online and in a matter of minutes.
Getting approved is easy because the requirements for payday loans are slim. Just have a source of income, a checking account and a contact number and you are generally good to go. More on that later. Requirements from your lender are very few when compared to a traditional loan. In fact, many lenders do not even check the three main credit bureaus, opting instead to use alternative checks.
Finally, funding for a loan happens quicker than just about any other loan. If you get approved and accept the loan, your $400 can be in your bank account as soon as the next business day. Deposits will usually be delayed for weekends and bank holidays.
Got Questions On $400 Loans
We are here to help. Here are the most common questions that we get. Have another question that is not answered here? Do not be afraid to contact us. Use the contact form at the top of the page and we will get back to you soon.
- How long does it take to get started.
Not very long at all. After you fill out the short online loan form your info will be sent to a lender or lenders in the loan network. If approved, you will usually get your answer very quickly, minutes in may cases. It is one of the fastest loans to qualify for.
- How long do I have to pay the loan back?
These loans are meant to be paid back when you get your next paycheck. Most of these loans are due to be repaid in about two weeks. This is why they are often referred to as payday loans, designed to be paid back with your next check. Check with your individual lender for the exact term of your loan.
- When will I get my money?
Loans fund quickly, as soon as the next business day. Most of the time they ae wired directly to your bank account.
- How much money can I take out?
Cash advances are usually limited to around $1000 but this can vary by state. Many states limit the amount to a lesser number and some limit it to a percentage of your monthly income. Remember, the more you borrow, the more fees that you will have to pay. So, if you only need $400, take out only that amount.
- What if I need more time to pay my loan?
If you already have a loan, contact you lender as soon as possible. You may be able to extend your loan but there will be additional fees in most cases. If you know before taking out a loan that you will need more time, you should reconsider a cash advance.
- How much will I have to repay?
The maximum interest rates vary from state to state. Effective interest rates can vary from 200% to 400% and sometimes higher. Always review the details of your loan before you agree to it. Also consider your other money options.
- Who will be lending me the money?
Loan Monkey is not a direct lender, we give you the ability to get a quote from a lender in the LeadsMarket network. When you fill out a quote form, your info will be sent to a lender and if approved, you will receive an offer. You will be able to review your loan details before you accept it.
More Ways To Get A Fast $400
If you have other options, then a payday loan or cash advance may not be for you. Here are some other ways to get the money that you need.
A relative may be able to lend you the money that you need without the fees that would come from a loan.
Check with your work and see if they can advance you money on your next check. Many employers, especially smaller ones, will allow you to get an advance on your paycheck. You have already earned the money so it is of no risk to them, it is just a little paperwork.
- Cut Back
You may be able to cut back on non essential expenses like meals out and entertainment. Maybe even save on gas by catching a ride or walking. Have a gym membership or satellite TV? Look into putting these memberships on pause until you get caught up.
- Defer Payments
Your creditors may be able to defer a payment or even allow you to only pay interest for a month or two. It never hurts to call and ask. If you are in good standing, most car lenders will do this. This means that you need to act quickly when you know that you need money. Before you get behind.
- Get A Second Job
Yes, this might take time to get your money but it will set you up for the future. You will have to pay this $400 loan back after all. Look for jobs that pay weekly or even daily. You know those guys holding signs at intersections for store closings and similar things? They get paid cash daily.