We’ve all been there, it’s the middle, or near to the end of the month, all your money’s gone, and there’s an emergency. Perhaps your boiler’s broken, your car won’t start, or there’s an excellent deal on a holiday with your mates, and you need the money right now, or you’ll miss out. There could be a tonne of reasons why you need cash, and you need it now. Luckily there are plenty of options for you now, which can help and get yourself out of a fix. As long as you know you’ll be able to pay it back next month then there’s nothing wrong with borrowing a little when you need it.
Sell Your Things
While you’re trying to find some cash around your home, you could also use this time to have a look to see what you could sell too. People buy just about anything online, so even if you think it’s worthless junk to you, someone else could really want it. See if you have any old tech lying around the house because you could definitely sell this, even it if doesn’t work. There are dedicated websites to selling your old phones and other sites and shops where people want to but old tablets, cameras, phones and laptops for parts. If you have loads of stuff, then you could perhaps have a garage sale which will not only help you to make some money, but it will also help you to declutter your house.
Get A Cash Advance
Find out if you can get a cash advance from your credit card? It’s likely that you will have to pay for this, but if you really need the cash now, then it could be worth it. Alternatively, try speaking to your employer about having some of your salary upfront before payday? There is also the option of invoice finance if you work for yourself, this is where you can release the cash tied up in outstanding customer invoices, so you don’t have to wait weeks or months for the payment.
Get An SMS Loan
Thanks for smartphones you can now apply for an SMS loan or text loan and receive an answer right away as to whether or not you qualify. Take a look at companies where you can find a complete list of all credit companies that offer direct payments. It shows not only if the companies provide immediate payment and if the SMS loan is provided in minutes but also other terms as well, such as if the loan offers weekend payments, evening payments, the possibility to apply for a loan without UC, and additional necessary information.
Open a Cash-bonus Checking Account
Shop around different banks to see if any are giving away any cash bonuses for opening up accounts. It’s quite common for banks to run promotions like this and means that you can get a quick $50 or $100 just when you need it.
Borrow From Yourself
Are you a homeowner? If you, is it an option for you to remortgage? Can you release any cash equity or sell structured settlements? This way you’re only taking money that is yours anyway but just releasing the cash so that you can use it.
Get a Small Microloan
While it will depend on your credit, financial and employment situations, but it is possible to secure up to a few thousand dollars from loans like this. Several platforms offer these small microloans, and of course, you have to pay them back, but it can help you out if you need cash quick.
Try Your Hand At Online Casinos
Online gambling definitely isn’t the most certain way to earn cash in a hurry and isn’t recommended if you’re in deep financial trouble. However, it can be a way of making money fast. There are strategic ways in which you can maximize your winnings. Online Casinos such as Roo Casino for instance offer bonuses that can essentially give you access to free money. There are terms and conditions to be wary of course (including wagering requirements) so always look into this first before you place a bet.
Ask A Friend Or Family Member For A Loan
You might feel awkward about this, but in times of emergency, then you might need to put those feelings aside and suck it up and just ask. You never know what they might say and so give it a try if you need to. It’s probably best to ask someone who you know has some savings, if they have a stash which they can dip into without it affecting their everyday spends then you can always pay them back before they need these savings for themselves.
Get A Payday Loan
Payday loan companies don’t have the best reputation, so really look into them and their offers before you do anything as the interest rates can be very high. But, if you need money today, then this is an option. Check a loan interest calculator to make sure you can make the payments; otherwise, you could find yourself in a lot of trouble.
