Need Money Now | Get Money Now

If you need money today, you may be able to get it now, even if you don’t have the best credit. In fact, some lenders will approve you for a loan almost instantly. You won’t have to wait days, weeks, or months for the cash to hit your bank account. You can receive the money you need the same day you apply. So if you find yourself saying, “I need money today,” keep reading to find out how you can get money now.

Loans That Can Get You Money Fast

How to get the money you need now

Even if you cut your expenses, it can take some time for the savings to add up. Here are a few options if you need money now so you can get funds today:

Payday loans

A payday loan or cash advance can give you a few hundred bucks when you need money today to cover an expense before your next pay day. It will include a fee for every $100 borrowed with a fee limit set by the state you live in. If you need money now and would like to avoid bounced checks or credit card late fees, a payday loan may make sense. You can get approved in minutes and receive the funds the same day when you apply for a payday loan with Advance America.

Installment loans

With an installment loan, you can borrow money when you need it now and pay it back with multiple payments over time. Installment loans typically last anywhere from 3 to 36 months and can be repaid early without any penalties. The online application for Advance America’s installment loans can be completed in minutes, with a decision and payout as soon as 24 hours from your initial application.

Title loans

If you’ve paid off your car and have a title with your name on it, a title loan can use the value of your car to earn a cash loan now. You’ll bring your car in to a lender so they can inspect it and estimate its value. The amount of money you’ll be able to borrow will depend on how much it’s worth. You’ll pay back your loan monthly and continue to drive your vehicle while you do so. To apply for a title loan today, you can visit your nearest Advance America location. You will need to bring your vehicle for an official appraisal.

Lines of credit

A line of credit works a lot like a credit card: you’ll get access to funds up to a certain credit limit that you can withdraw from as you need. The lender will deposit the amount you withdraw into your account, usually on the same business day. You can pay back your borrowed amount via scheduled monthly payments or all at once. Advance America’s lines of credit allow for simple and quick application so you can access your funds within days as soon as the same day you apply and get the money you need now.

How getting money now with a loan works

With a loan, you can get the money you need as quickly as the same day you apply. You can fill out a quick and easy application for a loan at the lender’s store location or instantly online from the comfort of home. Once you submit an application, the lender may offer you an instant or quick approval decision. If approved for a money loan, you may get the funds that same day or within 24 hours. Fast loans make it easy for borrowers to get the money they need now.

Benefits of using a loan to get the money you need now

Here are some benefits of using a loan to get the money you need now:

Easy application

Many loans offer a quick and easy application process. Applying for loans such as payday loans and installment loans only takes a few minutes and can be done from the comfort of your home.

Get money when you need it now

Once you submit your application for a loan, the decision process is very quick. Advance America, for instance, can give you instant approval if you meet the requirements for a loan. If you get approved for a loan, the lender may deposit the funds in your bank account the same day you applied or within a few business days. This means you can easily get the money you need now.

Don’t need great credit

Depending on the lender and loan you’re applying for, you may not need good credit to get approved. Advance America considers customers with all types of credit, as your credit score isn’t the only factor we look at when reviewing your application. You may be able to get approved for a loan today even if you have bad credit.

Should I get a fast loan when I need money now?

Deciding whether or not to get a fast loan now when you need money today is a personal choice and will depend on what you need money for. A fast loan may not be the right option for purchases that can wait, but sometimes we need money today and waiting would result in excessive fees or larger costs down the road.

Some reasons you might consider a fast loan today when you need money now are:

  • Rent coverage: Late fees for rent can be extremely high, costing tens or even hundreds of dollars for every missed day. In this situation, a loan can often mean less money lost than late fees.
  • Medical bills: An urgent medical concern shouldn’t wait. After the immediate issues are resolved, look for resources that help with tackling medical debt.
  • Home and car repairs: A simple leaky pipe can quickly lead to thousands of dollars in damage; similarly, an out-of-commission car could mean lost work opportunities. Sometimes money today can save twice as much down the line.

Why get a fast loan when you need money now?

Fast loans are one of the quickest ways to get money when you need it now. With easy applications, instant approval decisions, and same-day funding, you can get cash in hand right away to pay for any essential or emergency expenses.

Do I need good credit to get a loan when I need money now?

You don’t need good credit to get a loan when you need money now. Many lenders have less strict credit score requirements and will consider factors in addition to your credit score when deciding whether to approve you, like your income, employment history, and current debts. This means you can still get a fast money loan now with poor or fair credit.

What you’ll need to get a fast money loan today

Here are some documents and information you may need to get a fast money loan today:

  • Government issued ID
  • Source of income
  • Checking account
  • Social Security Number
  • Personal check required in some states

How to get a fast loan when you need money now

To get a fast loan when you need money now, follow these steps.

1. Compare lenders and loan options

Not all fast loans are created equal. That’s why it’s a good idea to explore all your options when you need money now. Once you find a few lenders you’re interested in, compare their interest rates, terms, and fees.

2. Fill out and submit your application

After you’ve compared lenders, choose a loan that can get you money fast and works for your unique budget and needs. Then, fill out an application form on the lender’s website. Be sure to do so carefully and thoroughly to avoid delays with your approval and funding.

3. Wait for approval

The lender may get back to you with a decision very quickly, if not instantly. You won’t have to wait days or weeks to find out whether you’ve been approved when you need money now. Most lenders will allow you to check the status of your application online and send you an email once they approve you.

4. Receive fast funds now

Typically, the lender will distribute your funds via direct deposit. Sometimes, however, they may give you a check or cash. Since you’ve chosen a fast loan, you can expect to get your money shortly after you’ve been approved.

Other ways to get money now

Here are some alternative ways you can make some extra cash fast if you need money now:

Sell unwanted items

If you have any items that you no longer need or want, like old books or clothing, consider selling these items online. There are a variety of platforms you can choose from, such as eBay, Craigslist, and Facebook Marketplace.

Get a side job

Having an additional source of income from a side job is a great way to make extra money when you need it now. Consider driving for Uber or Lyft, babysitting, participating in online surveys, or other side jobs. The money you make from supplementing your income will add up over time and can help you get the cash you need to pay for expenses. With Some gig jobs you may need to wait a week or more for your first paycheck, while others will pay out your money the day you earn it.

Ask for help from family and friends

If you have friends or family that are willing to loan you cash, asking for help can be a good way to get some extra money now. Make sure you come to an agreement with them on when you’ll pay them back, and try to stick to the terms of the loan.

How to start saving money fast today

Take a close look at your expenses to figure out what you can do to reduce or eliminate them so you can free up some cash flow and get through this tough time. Here are some ideas to start saving money today.

  • Cut the cord on cable: Chances are you can find a cheaper way to access your favorite T.V. shows and movies. Get rid of cable and opt for streaming video on demand services like Netflix or Hulu.
  • Lower your electric bill: Insulate your windows and doors, install a programmable thermostat, and unplug all appliances. These strategies can help you save big on electricity.
  • Eat meals at home: It may be tempting to order a pizza, go through the drive thru, or visit the neighborhood pub the next time you don’t want to cook. Since restaurant expenses can add up quickly, try to eat most of your meals at home. Dine out only for special occasions.
  • Buy generic: You can save a lot of cash if you choose the generic versions of various foods and household products. Don’t worry about quality because brand-name items are often exactly the same as their generic counterparts.
  • Cancel subscriptions: Go through your credit card statement and look for subscriptions or services you no longer need or use. If you find that you subscribe to a gym you never go to or magazine you rarely read, cancel it.
  • Shop around for car insurance: Call a few different car insurance companies to get quotes. You may be able to find a more affordable provider and slash your car insurance bill just by doing some research.
  • Choose free entertainment options: While you can occasionally go to the movies or amusement park, doing so on a regular basis can get expensive. Try and opt for free entertainment options as much as you can. Go for a hike at the local park, play board games with your family, pick up a book at the library, or have a picnic outside.

Loans to avoid when you need money now

When you need money now, you may want to take the first fast loan you see. However, here are some things to avoid when you need money now:

  • Excessive fees: Lenders should clearly state how much your loan will cost you in interest and fees over time. Compare the cost of the loan to the benefit it will offer to determine if it’s the right choice when you need money now.
  • Unknown companies: Companies without a digital or real-world footprint may be scam websites designed to take advantage of people looking for fast money. Only share personal identifying information with trusted companies.
  • Difficult repayments: If the loan seems perfect but has a repayment plan that you may not be able to realistically afford, it’s probably not the right choice for you when you need money today. Missing and late payments can lead to more interest and fees.

Get the money you need now

When you need money today, remember that there are options at your disposal. Just make sure to use fast loans cautiously as they’re meant to fix your cash shortages every once in a while. These loans are not intended to be long-term financial solutions.

The Advance America advantage

Since 1997, Advance America has helped millions of hardworking people with a variety of financial solutions including Payday Loans, Online Loans, Installment Loans, Title Loans and Personal Lines of Credit.
148+ million
loans issued
900+ stores
and online loans
25+ years
providing loans