Need Cash Now

Every now and then, you may think "I need cash now." You don't have time to wait for a traditional personal loan or home equity loan from a bank and want a fast financing solution. Fortunately, there are a few options that can help you out when you need cash now, especially if you're a millennial or part of Gen Z. Here's a closer look at how to get the cash you need now.


shows three ways to get cash now

Ways to Get Cash Now

Here are three ways people in their 20's and 30's can get the ash they need right now:

Borrow Money

There are a number of products that can meet your needs when you need cash ASAP. Best of all, you don’t need good or excellent credit to take them out. Advance America offers loans for all credit ranges including low-credit applicants including:

Payday Loans

A cash advance or payday loan is a small dollar loan that you’ll pay back the next time you get paid, usually within two to four weeks. If you get approved for a payday loan with Advance America, you can get your cash within 24 hours.

Want the funds even quicker? The cash can sometimes be yours the same day you apply, as long as your application is processed before 10:30 AM EST.

Title Loans

With a title loan, you'll give a lender the title to your vehicle until you pay the loan off entirely. The value of your car and income, among other things, will determine the amount of money you'll be able to borrow and you'll be allowed to drive your vehicle while you repay your loan. You can continue driving your car while you repay your loan.

If you choose a title loan with Advance America, you can get your funds the same day you apply, after your car gets appraised at an Advance America location.

Installment Loans

An installment loan is repaid over time via a series of fixed monthly payments. If you need more than a few hundred bucks and want to spread your repayment out, an installment loan may make sense.

If you apply for an installment loan from Advance America and get approved, you can receive your funds within 24 hours of your application.

Lines of Credit

For a flexible way to borrow money, you can't go wrong with a line of credit. It's similar to a credit card in that you can draw money as much or as little as you want up to your approved credit limit.

If you apply online for the line of credit with Advance America, you can receive your funds within 24 hours.


Find a Side Gig

There are a variety of side gigs people in their 20s and 30s can pick up when they're in need of cash now. Consider these ideas that should be available near you:

Babysitting or Pet sitting

If you love children or pets, babysitting or pet sitting can be a good idea. You can advertise your services on local Facebook groups or find opportunities through a website or app like or Rover.

Delivering Food

Food delivery services are more popular today than ever before. Take advantage of this by delivering groceries or restaurant meals to people in your local area. Check out Instacart, DoorDash, or Postmates to get started. 


Ride-sharing services like Uber or Lyft are in high demand. If you don't mind driving and have a reliable car, sign up to be a driver. You can earn money while meeting new people and exploring new areas.


Sell Your Stuff

If you have electronics, clothing, appliances, and other things that you no longer or want, you can sell them. Sell them online on websites like Facebook Marketplace or Craigslist to get the cash you need now. If you have plenty to sell, you can also have a garage or yard sale in-person. 

Do I need good credit to get cash right now?

If you’re a millennial or part of Gen Z and need instant cash now but don’t have great credit, not to worry. You can still get approved for a loan, like a payday loan, title loan, installment loan, or line of credit when you need cash now. Many lenders are willing to look beyond your credit score and consider other factors, like your income and employment history, to give you fast access to funds.

How to get cash when you need it now with a loan

To get the cash you need right now, follow these steps:

1. Choose a lender and loan option

Not all lenders who offer fast cash are created equal. That’s why you should shop around and explore all your options. Compare rates, terms, fees, and perks so you can choose the right lender and loan for your unique situation.

2. Gather all necessary documents

Before you apply for a loan to get cash now, you’ll want to make sure you have a few documents handy. While every lender is different, most will require a government-issued ID, like a driver’s license or passport as well as pay stubs, tax forms, or bank statements.

3. Fill out and submit an application

Next, it’s time to complete the application, online or in-person. Be sure to review it a few times and check for errors or inaccuracies. This way you can avoid delays with approval and funding.

4. Get the cash you need now

Upon approval, the lender will give you the cash you need now as soon as possible. In most cases, you’ll receive the money via direct deposit that same day, within 24 hours, or in a few business days.

Benefits of getting a loan when you need cash now

If you need cash now, a loan should definitely be on your radar as it can offer these benefits:

Easy application

Many lenders know that younger people lead busy lives. That’s why they allow you to apply online, from the comfort of your own home or workplace. All you have to do is share some basic personal information, like your name and birth date, along with financial details, such as your monthly income and housing cost.

Quick approval

Once you submit an application, you won’t have to wait long to get approved and receive the cash you need now. Some lenders will approve you instantly while others will do so the same day you apply or the next business day.

Good credit not needed

You can get a loan when you need cash now, even if you have poor credit or fair credit. Many lenders have lenient qualification criteria for borrowers in their 20s and 30s that is fairly easy to meet.

Get Cash Now with Advance America

Advance America is an invaluable resource if you need extra cash now. You can apply online for the emergency loan of your choice from the comfort of your own home. Even if you have bad credit, you could receive a fast approval and the funds within 24 hours or even less.

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