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5 Ways to Get Money When You Need It

Getting quick access to cash is crucial when facing a financial emergency. Be it a car repair, a medical bill, or just an unexpected expense. But what if you don’t have savings or an emergency fund to tap into?

How will you get the money you need? You may think there are no other good options, but that’s not the case. You have other options, and some are even better than tapping into your savings.

For a bit of help, here are five ways to get some emergency cash.

Sell Some Of Your Belongings.

One great way to earn quick money is to sell items in your home that you don’t use or need. For example, you can hold a garage sale, sell things online, or even pawn some of your possessions.

So, if you have a lot of clothes you never wear, consider selling them to a consignment store. Another thing, if you have extra furniture, appliances, or other items taking up space in your home, you could sell them online through classified ads, auction sites, or even social media platforms.

What’s more, if you have valuable jewelry or collectibles that you don’t need anymore, consider selling them to a pawn shop. Or, if you have a lot of school supplies or toys your children have outgrown, sell them to other families in your community.

By selling items that you don’t need or use, you can free up space in your home and get some cash to put towards something new.

Use Your Credit Card.

If you have good credit, you may be able to get a low-interest credit card that offers cash advances. Depending on your credit score, you may be able to get a card with a 0% APR on cash advances for a certain amount of time. It can be helpful if you need to pay for something unexpected and don’t have the money saved up.

Zero percent interest isn’t forever, though. There’s a time limit on how long you can take advantage of the no-interest period. Once that time runs out, the regular APR will apply to any remaining balance. Some cards offer up to six months of no interest on cash advances, while others offer a year or more.

Apply for A Payday Loan

Another way to help you cover unexpected expenses is to apply for low interest rate online payday loans. This type of loan is a short-term solution that can help you bridge the gap between your current expenses and your next paycheck.

When you apply for an online payday loan, you’ll typically need to provide proof of income, such as a recent pay stub or bank statement. Also, you’ll need to provide your Social Security number and contact information.

The approval process for an online payday loan is typically quick and easy, and you can receive the money you need within 24 hours. So if you’re facing a financial emergency, an online payday loan may be the solution for you.

Ask family and friends for a loan

Before you decide to take out a loan from lending institutions, why not try to ask friends or family for a loan? It might be more challenging to get a loan from a bank if you have bad credit, but friends and family are likely to be more forgiving.

Also, they relate to you better than a lending institution. But you may have heard or know people who have tarnished their relationships with friends and family members by asking for money. Well, probably because they never bothered to ask in the right way.

There are a few key things you should keep in mind if you’re going to ask for money from your loved ones: be upfront about how much money you need, make sure you can afford to pay them back with interest and give them a repayment plan. Have a written agreement and make sure both parties sign it.

Look to Nonprofit Programs for Help

Many nonprofit organizations can help you get the money you need. Take, for example, Mission Asset Fund. The organization provides loans and grants to help people get out of debt.

The National Foundation for Credit Counseling is another excellent resource for getting help with your debt. The organization provides counseling and financial education services to consumers across the country.

If you’re looking for a more local solution, consider contacting your nearest credit union. Credit unions are nonprofit organizations that exist to serve their local community.


No matter which option you choose, be sure to do your research and compare interest rates and fees. Knowledge is power when it comes to your finances. So, be sure to do your homework and make the best decision for whatever situation you’re in.