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Need Money Now? 3 Ways to Find Cash
Every now and then, you may be in a situation where you need cash now. In an emergency, you don't have time to apply and wait for approval for a traditional personal loan or home equity loan from a bank. This is when you need a fast solution to find the money you need.
Fortunately, there are a few options that can help you out when you need cash now.
Ways to Get Cash Now
Here are three ways you can get the money you need right now.
1. 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 a line of credit with Advance America, you can receive your funds within 24 hours.
2. Find a Side Gig
There are a variety of side gigs available to help you get money quickly.
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 Care.com or Rover.com.
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
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.
3. 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 you 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 apply for a loan to get cash now
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 a loan when you need cash now
If you need money quickly, a loan is an option worth considering and it comes with 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 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.
