I need money now is the main thought that always pops up in my mind, even today! And for money-minded people like me, it is better to know about all the possible avenues to get money when in emergency situations!
If you think mortgaging your house or lending from a private dealer with a high-interest rate are the only options, you are in a huge misconception.
There are now several options available to get money when you need it the most.
But yes, not every avenue is equally helpful for everyone. So, let me reveal all the possible methods to get money.
But before that, let’s understand the initial steps first!
Need Easy & Extra $300/Mo For Free?
Survey Junkie – Earn up to $50 per survey & a fixed $1.50 per referral. Sign up here.
Opinion Outpost: Get paid up to $30 per answering simple questions. Join now.
Branded Surveys: Paid over 35 Million. Earn up to $25 per survey. Signup now.
Inbox Dollars: Get paid to watch videos. One already made $75 within a week. $10 Signup bonus.
Pinecone Research: Up to $3 – $5 per survey & $9 per product test. Join now for FREE.
How To Apply For A Quick Loan If You Need Money Now?
Around a decade ago, a TV commercial from J.G. Wentworth went viral where a man caught attention by yelling, “it’s my money, and I need it now!”
But like that man, even we don’t know how to get money and what are the steps to get a loan.
- Step 1 – Compare Lenders And Interests: Don’t take a loan from the first company that you have contacted. Instead, get quotes from different banks and financial institutes and compare the repayment terms and interest rates to select the best one.
- Step 2 – Submit Your Loan Application: Submitting your loan application is equally important to get faster loan approval. To get a shorter processing time, don’t forget to mention all your earning sources and credit ratings.
- Step 3 – Get Approval: You may need to go through multiple processes before getting the money right on your account. So, keep your papers ready and proceed with those immediately when asked to get faster loan approval.
- Step 4 – Get Your Funds: Always get your fund by direct deposit to your bank account. And in that way, you can minimize or completely eliminate the transaction and other processing charges.
However, it is better not to rely entirely on loans as there are now lucrative ways to earn daily. And from those sources, you can make instant money when in need.
I Need Money Now For Free And Fast
I need some money now; if that’s your primary concern, there are thousands of ways to do so! But not every avenue is equally rewarding.
So, we have tested several methods to filter out the best strategies for you to try this year.
1. Signup & Claim FREE Money
When I first thought I needed money now, I do resort to some of the high-paying online survey sites as my op preferences. They are not just trusted but also pay at par.
InboxDollars and its sister concern InboxPounds are the top choices as they pay up to $50/survey. Besides, you’ll also get a $5 signup bonus.
Besides, you can try Swagbucks, which also pays up to $25/survey with a $5 signup bonus. iis next on the line as it pays at least $3/survey. And with a few Survey Junkie hacks, you can earn even more!
2. Install Nielsen App & Earn $50 + Weekly Rewards
Believe it or not, the revamped and reintroduced Nielsen app now gives you free money. Yes, without doing anything, you can easily earn $50 for each of your devices where this app can be installed.
All you need is to download this app from either the iOS app store or Google Play Store and install it on your device.
And this app will automatically collect data on your background without interfering with any of your smartphone activity.
This app is lightweight and consumes very low data to ensure minimum interference.
3. Download MobileXpression App
With more than 2 million members and a global foothold, MobileXpression has already established itself as one of the most interactive platforms to earn money by participating in fun activities. Besides, it comes with a great UI!
Starting from engaging games to short surveys, you can do various things on this app and earn points. You can then redeem those points while buying gift cards from your favorite retail store.
If you are still not a part of this platform yet, you can also claim a $5 signup bonus as an Amazon gift voucher.
4. Play SwagIQ – Live Trivia Games
Currently known as Swagbucks Live, SwagIQ is one of the best game apps that pay instantly to PayPal. And trust me, you really don’t need to do anything other than play your favorite games.
To become a member, you need to be at least 13 years old with legal citizenship in the USA, Canada, France, Germany, Ireland, and Australia. However, they have also recently started operations in India.
For each game you participate in, you will earn some points. But the grand pot of any game can fetch you as much as $1k.
5. Win Money While Playing Games
Many people have nagged that “I need money now,” but they don’t even know you can now get paid to play games. And that too, you can play it on your smartphones to make money.
Bingo Mania is undoubtedly the best platform that gives you this opportunity. And they also offer a $100 signup bonus that you can use to purchase cool in-game stuff. It also has a grand referral program with a $25 commission.
Lucktastic comes second on the line as they have a great inventory of arcade, first-person shooter, and scratch card games.
6. Make & Sell Greeting Cards
Yes, if you have the talent to draw, sketch, or paint, you can definitely make instant money by designing greeting cards for special occasions. Besides, there are websites to get paid to draw as well.
Zazzle is undoubtedly the forerunner of this genre as they provide an excellent print-on-demand platform to budding designers. Besides, you can also try to create your own template and sell it on Etsy.
If you want to work independently, you can also create and launch your own website. Besides, you can sell greeting cards through Facebook Marketplace and Instagram as well.
7. Play Digital Scratch-off Games for Free
In scratch-off games, all you need is to digitally scratch a virtual card as a new-age replacement for the old-school scratch card nostalgia. And the gift that reveals with that scratch-off will be your instant earnings.
The Lucky Day app is among the talisman in this industry as they have many scratchers to choose from, from Lotto to ruffle. Not just money, you can win gift cards as well on this platform.
The PCH App is also a great platform that launched as the digital subsidiary of the iconic Publishers Clearing House.
8. Real Estate Earnings Sitting at Home
Needless to say, real estate is definitely among the best physical assets to buy which assures a steady profit in the longer run. But it is not a big-shot investment anymore, as it was before. All thanks to the micro-investment sites.
Fundrise is surely the best one in this industry as you can start investing in real estate with as little as just $500. And you can even invest in high-end properties in LA or Vegas.
Besides, there are several other similar platforms like Roofstock, EquityMultiple, and FarmTogether, where you can invest and make a profit.
How Can I Get Money Fast By Selling Things Online?
9. Sell Your Best Photos
We all love to click Insta-friendly selfies and groupies with our smartphones. But, if you want to take that photography skill a step forward, there are several high-paying platforms to sell photos online available these days.
If you are a true amateur in this industry, you should try creating an account on iStockPhotos as they have a huge customer base who frequently buys photographs from new artists.
And if you are a pro but looking for a grad opportunity, nothing can be as lucrative as Getty images as the photographs often sell at six digits.
10. Sell Annuity Payments
When I told one of my capital-investor friends that I need money now, he told me about this brilliant thing called selling your annuity. Yes, you can now sell it for a large chunk of money in a single shot.
From a luxury foreign trip to a new house in Silicon Valley, when you need money the most, there are many platforms available that buy your annuity at record prices.
Annuity Freedom and DRB Capital are the true forerunners in this industry. Besides, many people also praise Axos Bank and Catalina Structured Funding for their lucrative scale.
11. Sell Unwanted Stuff
Do you have old unused clothes, accessories, and gadgets piled up in the corner of your wardrobe? If yes, you can declutter whose unwanted stuff and make a great chunk of money.
Decluttr is the best platform to start selling those stuff as they have a massive inventory of smartphones, CDs, DVDs, games, and anything electronic. Besides, they also offer a better rate than other platforms.
You can also try platforms like Craigslist that give you the same opportunity. Many sites like Craigslist to buy and sell unused items are also available these days.
12. Sell Your College Notes
We don’t need the same college notes once we get our degree, isn’t it? But do you know that you can even make money just by selling those notes? Yes, and it pays more than you are thinking right now!
There are several excellent websites to sell college notes, such as Nexus Notes, that give you this opportunity. On average, a typical college note sells at around $35 on this platform.
You can also try other platforms like Notesale, which pays almost the same amount. But yes, your notes should have the highest quality standard to become salable.
13. Sell Items at Pawn Shops
If I need money now in an emergency, I’ll resort to my local pawn shops as I have many unused things in my house that I can sell and make a profit from that.
And not just expensive items; there are now many platforms to sell used DVDs and Blu-ray as well.
But you need to have good bargaining prowess to fetch the best rate for your items from the pawnshop. Besides, they tend to offer a lot less until you bargain hard.
So, know the value of your items before you approach any pawn shop.
On the other hand, you can also try to sell those items online to get the same money. There are platforms like Craigslist, eBay, and Facebook Marketplace that now provide this opportunity.
14. Sell Your Feet Pics online
Not everyone has the same courage and eccentric personality to flaunt their body parts, at least not on online platforms. But if you have that charm, there are now many places to sell feet pics.
If you don’t know how to sell feet pics online these days, you can just open a free account on Instafeet and start selling it. And for each of your feet pics, you can fetch up to $100.
Several other amazing platforms like FeetFinder and Feetify give you the same opportunity to sell your feet pics at more than $500/image.
Learn how to make $1000+/ Month with Instafeet by selling your feet pics.
Also, Learn how to make $1000+/ Month with FeetFinder by selling your feet pics.
15. Sell Pictures of Your Body
Do you know that not just the feet but there are many ways to get paid for pictures of your body as well? Not just the explicit one, you can even sell the non-adult version of body images as well.
BentBox is the champion of this class as it has an excellent customer base that regularly buys attractive body images at unbeatable prices. Besides you can also try ManyVids to sell your short clips besides images.
Many people also prefer Stylinity if they are comfortable with fashion photography, as this brilliant platform now has more than 180 online associated stores.
16. Sell Your Used Textbooks
Like college notes, high schoolers also don’t need their used textbooks once they become a freshman. And there are several legit platforms to sell books online where you can sell those old textbooks to make money.
Bookscouter is like the Skyscanner of this industry as this incredible platform matches prices with more than 35 buyback vendors in the USA and finds the best price for your textbook. Besides, they don’t even charge any commission.
Besides, you can also try CampusBooks, which now has an impressive global footprint and caters to more than a million students from every corner.
17. Sell Handmade Crafts
Not every people have that born craftsmanship in them. But, if you really have that talent and can make amazing crafts, there are several online platforms that give you this opportunity.
Etsy is undoubtedly the forerunner of this industry as there are many money-making crafts to sell online that you can enlist on this platform without any fee. And trust me, if I need money now, I’ll definitely list my own handmade crafts here.
Besides, you can also list your handmade items on the FB marketplace. But yes, you do need to take some fantastic photographs to catch the eyes of potential buyers.
18. Sell Your Recipes Online
While researching for the data, one of my high school buddies said that there are many places to sell recipes online these days. And since then, if I need money now, I resort to that!
Healthy Living is one of the best American food magazines that give you this opportunity and pays up to $150/recipe. Besides, you can also try platforms like Cooking Light and Cuisine at Home.
There are other great platforms like Family Fun, Eating Well, and Taste of Home that pay up to $500/recipe if it truly stands out!
How Can I Get Money Fast With Real Online Jobs?
19. Start Affiliate Marketing
A few years ago, I faced a financial rock bottom and resorted to all my friends and foes to tell them, “I need money now.”
One of my friends then first introduced me to this brilliant thing called affiliate marketing. But even after trying hard, I failed to generate a steady income and more than 5% commission.
Then I met one of the best affiliate marketing gurus, Michelle Schroeder-Gardner, who has a proven track record for steadily making more than $50k/month from a single affiliate site.
Besides, she has also made more than $1 million from a single webpage selling a single affiliate product.
She not only guided me to earn up to 15% sales commission but gave me the formula to generate around $15k/month without any effort.
And now, she has also launched her free mini-course on affiliate marketing for enthusiastic youths.
One of her last-batch students, Saira Perl, took her free webinar on affiliate marketing and witnessed an incredible 1500% growth within just five months.
She took her earnings from $270/month to an astounding $5k/month within just five months.
20. Amazon FBA Seller
Although several high-paying WFH jobs on Amazon are available these days, nothing can be as lucrative as becoming an FBA seller.
And you may not know, but FBA sellers have made more than $3.5 Billion in revenues from Prime Day sales this year.
But there are thousands of credible FBA sellers already existing on Amazon in each niche you can possibly imagine.
So, you need to select the right product and sell it at the right price to generate a steady profit. And you definitely need a mentor to do that.
One of the most successful FBA training academies, The Selling Family, has trained more than 10k successful FBA sellers.
And each of their students is now earning around $10k/month on average. A few of their students even earn in six digits these days.
Now, they have introduced a free course to start an Amazon FBA Business to help enthusiastic sellers and bussing FBA stars. If you truly want to make big from amazon, book your slot now before it’s too late!
21. Become A VA
VA or virtual assistant is a genre where a credible VA can offer 50+ different services while charging at least $25/hour.
So, it’s better not to cry, “I need money now,” and start working as a VA to make money in no time. And trust me, the demand for a credible VA is constantly rising.
You may not believe it, but there are several high-paying VA jobs these days that can even fetch you up to $100/hour with the right clients.
Besides, this is probably the only option that generates a fixed income and gives you the freedom to choose either part-time or full-time duties.
But to take it to a new level and to make a handsome living as a VA, you definitely need the right guidance from the right mentor.
One of the best VA coaches, Gina Horkey, is now doing just that. She has not only trained thousands of successful VA but recently shared her secret formulas in her free Virtual Assistance webinar.
Most of her last-batch students are now making $10k+/month on average. And a few of them even took it ahead and earning in millions each year.
So, don’t waste your time and book your seat now to create your own VA empire in less than 90 days.
22. Voiceover Acting
It is not just Dr. Strange but the enigmatic voice of Benedict Cumberbatch that puts more life into Spider-Man: No Way Home.
Besides, we all grew up listening to the god-like voice of Morgan Freeman. Yes, that’s how important a good voice is in any showbiz industry.
If you really have a good voice and want to make money without a job, starting voiceover acting can be your best bet.
From films to TV commercials, from audiobooks to podcasts, the demand for a good voiceover actor is sharply rising. But yes, having a good voice is not all!
You need to have the right texture and must develop excellent voice modulation skills to be fit for every voiceover work.
And Julie Eickhoff is the one who can help you to achieve just that. She is not just one of Hollywood’s most loved voiceover mentors but among the handful of Audible-approved producers.
She has now introduced her free mini-course on voiceover acting for the Gen-Z who want to explore new fields.
While most voiceover mentors charge thousands of dollars for each of their sessions, Julie still keeps it for free. So, book your slot now before the seats are full.
23. Start Flipping
Let me give you a clear idea of what flipping actually is! You need to buy good items that everyone loves from your local thrift stores, garage sales, and auctions, and then sell those same items to a much higher price on online platforms like eBay.
However, you can also make your inventory by purchasing discounted items from Amazon and Walmart sales.
But it is not as easy as it sounds as you need to adopt the right strategy to generate a steady income from flipping. And for that, you do need the right mentor to guide you.
The mentor couple of Flipper University, Rob and Melissa Stephenson is not just making more than $130k/year profit just by flipping but now also trains thousands of students to become as successful as they are.
And they have also revealed all the secrets in their latest webinar on flipping.
The couple has already guided thousands of students who are successfully running their flipping businesses and generating around $10k+/month on average.
And you can do that too by joining the free money-making flipping course designed exclusively by Rob and Melissa.
How Can I Get Instant Money Now?
24. Refer Your Friends & Earn Bonuses
From a great restaurant to a great apartment to live in, we often give references and suggestions to our near and dear ones, isn’t it? But you’ll be surprised to know that you can even make money just by doing that.
Yes, you can surely make money referring friends, all thanks to amazing platforms like Acorns. It is a money-management app that offers various instruments to invest in. And you can earn $5/referral as well.
Besides, you can also try SurveyJunkie which pays nearly $2 per referral. This platform doesn’t ask for any credit card details. Anyone can join the platform using their email.
25. Be an Online Friend
Who doesn’t love to make new friends? But do you know that you can now even get paid to be an online friend? Yes, there are several platforms available that guarantee this opportunity.
You can earn up to $50/hour on average just by becoming friends with lonely people through Rent-A-Friend. Besides, Rent A Cyber Friend is another platform that offers equal opportunity.
If you are comfortable in in-person meetings, you can check out Rent A Local Friend. Right now, they are assuring $200/day on average just by becoming a travel buddy.
26. Give Ideas & Get Bounties
If I need money now, I will definitely sell my own ideas that frequently pop up in my mind. Yes, you may not believe it, but there are many companies that pay for ideas that are cutting-edge and revolutionary.
There are platforms like Innocentive and Wish to submit your ideas to make money. You can post it on your LinkedIn profile as well.
Giants like Coca-Cola and Hershey also offer the same opportunity, although your idea should align with their current product range.
27. Trade Cryptocurrency
If you are yet to invest in cryptocurrencies and are just murmuring, I need money now; you are missing the biggest opportunity of this year!
And trust me, trading cryptocurrencies and NFTs are one of the high-income skills to learn this year. While crypto trading is quite similar to stock trading, the profit can be many folds than stocks.
Unbelievable, it may sound, but Bitcoin has witnessed a massive growth from $0.09/unit to $60k/unit in just over ten years. And similar trends can be found in Ethereum as well.
It is now very much possible to generate up to 100% profit within a single week if you can trade correctly.
Who Can Give Me Money Right Now?
28. Sell Your Services on Fiverr
If you are a white-collar professional but want to quit your job to start something independently, Fiverr is the site that you should resort to first! You can simply create a gag and start selling your service without any hassle.
There are several other high-paying freelance jobs sites also available these days where you can also do that. And all these platforms are paying equally lucrative rates for digital services.
Upwork is also a great platform that works quite similarly to Fiverr, although it charges less than 10% commission from the final invoice value.
29. Monetize Your Social Media
We all love to spend time chatting with friends and foes on FB and Insta, isn’t it? But do you know that you can now even make money from that same social media handles of yours?
Yes, it is very much possible nowadays! Platforms like Patreon and SubscribeStar are the key players in this university that let you collect subscriptions or donations from your followers and fans.
Besides, you can also try platforms like BuyMeACoffee which provides equal opportunities as well.
You can also make your own PayPal button in a few simple steps and embed that to your social media posts and websites to receive subscription money and donations from your followers.
30. Become A Dog Sitter
I love dogs, and I need money now; if that is the case, there are several jobs working with animals available these days that can easily earn you up to $50/hour.
Yes, you can just walk dogs and pet sit them to make a handsome living.
Rover and Care are probably the best-known platforms in this genre that act as the mediator between professional dog walkers and pet sitters with pet owners looking for help! Both these websites are pretty easy to use.
But yes, you do need to have compassion and love toward fur babies as their owners treat them as their own kids.
31. Provide Mobile Car Washing Services
Let me give you a surprising fact first; the car cleaning industry in the United States alone has already crossed the $10 billion mark in yearly revenues. Unbelievable, isn’t it?
All you need to do is to learn car detailing to kickstart this business in no time. And there are platforms like AutoGeek Online and DetailingWorld from where you can learn it without spending a single penny.
Once you learn it, you can also install a cleaning machine if you have the investment capacity. Or, you can design your own mobile cleaning machine as well.
How Can I Get Money Fast Without A Loan?
32. Become a Babysitter
Becoming a babysitter will be my top priority if I need money now. Yes, you can enjoy caring and playing with adorable toddlers and kids while earning as much as $25/hour just while becoming a qualified babysitter.
Most of the high-paying babysitting jobs also offer complete flexibility in work hours. And if you talk about Care.com, it assures many other benefits as well.
There are other sites like Sitter.com and SitterCity also available where you can list your babysitting service to get potential clients from your locality. However, you may need to go through background verification.
33. Rent Out Extra Room/Space With Airbnb
If you have extra space in your house or a spare room in your apartment, you can now simply enlist that property on Airbnb to start earning. And many people reported making as much as $10k/month just by that!
Even if you are a frequent traveler with an empty house in your absence, it is better to enlist that in Airbnb as it is undoubtedly among the best travel jobs.
Right now, Airbnb is also providing comprehensive insurance on top of a handsome per-night payment.
34. Become A Delivery Driver
Becoming a delivery driver is one of the most lucrative professions, no doubt about it! And these days, there are even high-paying food delivery jobs available that pay as much as $25/delivery.
DoorDash is the most sort-after name in the delivery industry as they now have a huge vacancy. And on top of your regular earnings for each of your qualified delivery, you can keep the full tipping amount.
With more than 600k merchants and more than 500k fleet members, Postmates is another brilliant platform in this category.
35. Try Available Odd Jobs Near you
From flyers distribution to assembling IKEA furniture, we often ask for help to do our odd jobs. And most of the time we need to pay a hefty fee for those jobs.
And trust me, if I need money now, I will never let go of this grand opportunity.
There are several high-paying odd-job apps are available nowadays. And TaskRabbit is surely among the forerunners as they pay up to $25/hour for odd jobs.
Besides, you can also contact your local community centers to let them know you are offering odd job services in your locality.
36. Lose Weight & Win Cash Prizes
The whole of humankind is becoming more health-conscious with each passing day as more and more people are now concentrating on maintaining a healthy weight. But do you know there are now ways available to get paid to lose weight?
HealthyWage is one such app where you can earn up to $10k to attend your targetted weight. You can easily make around $1.4k by participating in weight loss challenges.
DietBet and StepBet are two other programs that offer similar opportunities these days.
How Can I Get Free Money Now? Quick Ways
37. Teach English with VIPKid
A recent financial report suggests that the online tutoring industry will likely cross the $100 Billion market cap by the end of 2025.
And with that rapid boom, several websites have already come in front that gives you the opportunity to get paid to teach English online.
VIPKid is indeed the talisman of this industry as they have a massive footprint all over the globe. And you can comfortably make around $100/hour on average.
Besides, you can also try other similar websites like Magic Ears, Tutor, and Wyzant, where you can earn around $60 to $80/hour on average.
38. Get Paid to Donate Plasma
Donating plasma not just saves lives but also fetches a good amount of money these days. And if I need money now, I’ll definitely resort to the highest-paying plasma donation centers near me.
BioLife Plasma Services is one of the most trusted companies that now pay as much as $500/donation. And they have plasma collection centers in almost every state of the USA.
A subsidiary of BioProducts Laboratories, BPL Plasma is another company where you can also donate plasma and make money.
39. Become a Lyft or Uber Driver
Anyone with the right spirits and hard work can easily make more than $300/day as a driver. And not just for young chaps, there are now even driving jobs for retirees available that pay equally well.
With a massive global presence, Uber is definitely the forerunner of this industry, paying around $15/hour on average.
Besides, you can also try joining Lyft if you are from the United States, as they are giving a $100 bonus for completing the first 100 rides with them.
How Can I Get Money Instantly With Loans?
40. Payday Loans
I need to make money now is the main motto that I’ve followed. But still, there are many times when I had to take loans for several reasons.
And trust me, payday loans are the best bet if you want them for a short time.
From just $100 to $50k, you can take payday loans of any amount and repay it from 3 to 24 months. And it also offers minimal paperwork and a low-interest rate.
Besides, you just need to be a permanent citizen of the United States of legal age to get it.
Pheabs is one platform that now offers payday loans at an affordable rate. And they claim to disburse the full amount within just 1 hour of submitting your application.
You need to earn just $800/month to become eligible for this payday loan.
41. Get A Refund From IRS
All thanks to the US Internal Revenue Service; you may be already sitting on a pile of refunds from your IRS but don’t even know.
Yes, you may not know but getting a refund from your IRS account is one of the best financial hacks to try this year that can make you rich without any effort.
You need to hire a qualified CPA to check your stats and submit the return file correctly. And if done right, you’ll get your refunds from IRS without any hassle at all.
You can get a credible CPA from platforms like TaxHub.
But beware, you shouldn’t have any tax issues or any pending amount. Or else your refund file will get rejected in no time.
42. Community Loans
You may not know, but banks and financial organizations are not the only options when you talk about short-term loans.
It may be surprising that even your local community center, church, or other non-profit organization can also offer this type of loan.
From charity to community development, churches and NGOs often support local youths and needy people under various schemes.
Besides, the government also often provides funds to community centers to allot these loans.
Contact your nearby community center to know if any such scheme is available there. And if yes, you can get it at a very low-interest rate with flexible repayment terms.
Besides, you can also ZippyLoan which often has these offers enlisted.
43. P2P Loans
The oldest kid on the block, P2P (peer-to-peer) loans are there even before the establishment of modern banks and financial institutes.
And it is still one of the trusted and fastest methods to get a loan when your mind is shouting; I need money right now!
A P2P loan is when you borrow money from a private person with or without any collateral. It doesn’t require heavy paperwork but comes with a hefty interest rate.
But if you have a bad credit score (below 500), it is probably the only option open to you.
Platforms like Lending Club and P2P Credit are available that offer P2P loans at a flexible term and low-interest rate. All you need is to have a good credit score to get the loan.
44. Title Loans
A title loan is a kind of loan that uses four-wheelers and similar vehicles as the primary collateral.
So, if you have a car in your own name, you can get a loan while mortgaging that. But you can also use that car as you don’t need to submit it.
The lender will only take your car once you fail to repay the loan. And the best part; this type of loan has a significantly lower interest rate than unsecured P2P loans.
Besides, many lenders also offer up to 24 months of repayment terms. Advance America is the most notable player in this industry as they now have nationwide coverage.
And if you apply with the proper documents, you’ll get your loan amount disbursed within a single business day.
45. Flexible Loans
One of my collegemates once asked that I have no income and need money now. And the only thing that pops into my mind is the flexible loan.
From just $500 to $10k, you can get a flexible loan of any amount you need, and that too, without having a good credit score.
Bad Credit Loans are the key player in this industry as they have been in this business for quite some time now.
The minimum interest rate is 6%, while the highest can be 36%, depending on your credibility and credit score.
For short-term loans, this company allows up to six months, and for long-term loans, it allows up to six years of repayment terms.
However, they don’t have any foreclosure charges, and you can repay the total amount any time you want.
46. Refinance Student Loan
Almost all university-going youths in the United States have student loans that they need to repay from the very first day of their career.
And now, you can use that same student loan to get money when you need it the most. And that too, with a lower interest rate.
Yes, refinancing your student loan is the best bet as it can repay it completely to the previous lender and starts a new loan term with a significantly lower interest rate.
And you can get that even with a significantly poor credit score.
Education Loan Finance and College Ave are the two most trusted platforms in this category that offer student loan refinancing facilities. Besides, Citizen Bank now also offers this opportunity in the USA.
47. Home Mortgage Loans
Many homeowners have already asked me if I need money now for free and fast without knowing the real power of owning a property.
Yes, home mortgage loans can be your best resort if you are looking for a long-term loan with significantly lower interest rates.
Home mortgage loan often covers a larger sum, preferably $25k or higher. And it comes with a floating interest rate between 6% to 9%. However, many banks and financial institutions approve this loan even with a lower interest rate.
The rule is simple! First, you need to be the sole owner of that property. And second, you shouldn’t have an existing loan on that same property.
48. Take A Loan From Retirement Account [401(k)]
One of my family members, a retiree, once asked if I need money now but can’t get a loan! And the only solution I have is to get a loan from his 401(k) account.
But yes, you can lend money from your IRS just once each year. You also need to repay it within 60 days.
Although there are several low-stress jobs after retirement where you can try to get quick money, using your 401(k) is more convenient.
But yes, not every employer offers the facility to get a loan from IRS.
If you are from the USA, there are specific schemes where you can avail of loans up to 50% of the total savings you have on your IRS account. Besides, you can also repay those for up to five years.
49. Take Loans From Friends And Family
I need money now but can’t get a loan; this situation can surely arise for anybody! And in those cases, your friends and family members will be your true support.
But yes, consider this as your last resort as money can often create bitterness in relationships.
You may not understand, but when you borrow money from a close one, it unknowingly takes a toll on your relationship. And if you fail to repay it, the situation can get even worse.
But, if you really have to borrow from your friends and foes, discuss your repayment terms and the interest rate you want to pay (even if they don’t like it) clearly beforehand.
50. Get Credit Card Advance
A credit card is a tool that can really be your financial superpower if used correctly. But as our friendly neighborhood said, you need to use that power responsibly, or else it can create disaster.
If you are in a desperate situation and can only think, “I need money now,” just call your credit card issuer and ask for an advance or request them to raise your credit limit.
But yes, credit card loans often attract a huge interest rate, even more than 36% a year.
If your bank has the option for various types of credit cards, opt for the one with lesser benefits and a lower interest rate. Besides, you need to have a good credit score to request a credit card advance.
51. Consolidate All Your Debts
Many people have asked if I need money now with bad credit. But they don’t even know that consolidating all their existing debts can save more money which can be equally beneficial in crisis.
Yes, it is better to go for a single (significantly higher) loan than to obtain multiple (significantly lower) loans.
It will not just create a single-point repayment option but can also imply a much lower interest rate. Start with repaying all your high-interest credit card loans and personal loans.
And if you have a good credit score, banks and financial institutions can repay those small loans on your behalf to create a long-term loan with a lower interest rate.
52. Save On Insurance Premium
Insurance is something that we can’t avoid. And we pay a lot of money for various insurance, such as home insurance, car insurance, health insurance, and a lot more!
But now, you can effectively save your premium amount by carefully selecting the best insurance options.
You may not know, but the same insurance for the same car can differ by hundreds of bucks for different companies. The same thing goes for homes as well.
So, you need to compare the premium amount and benefits together to select the most suited one.
Besides, there are several insurance companies that offer hefty discounts on special occasions. So, keep your eyes open to grab such deals.
What Credit Score Do You Need For An Emergency Loan?
A credit score is calculated by taking into account all your existing credits, your closing credits, and your repayment history.
It is to judge your creditworthiness and is measured with a rating between 0 to 900 (although it technically stands between 300 to 900).
If you have a credit score of 700 and above, you have excellent creditworthiness and will most likely get a loan even without any collateral.
A score between 600 to 700 is considered good and takes a bit more paperwork than toppers.
And if you have a credit score below 600 or 550, it will be tough for you to get an emergency loan when you need it. So, it is better to maintain your credit rating above 600!
How To Avoid The Situations Where You Need Money Now?
Most people shout, I need money now, but they were never aware that they could face this situation anytime. And to avoid such problems, you need to take just three simple steps!
- Step 1 – Set Up An Emergency Fund: From accidents to natural calamities, from health issues to legal troubles, bad situations can arise faster than you can ever imagine. So, it is better to set up an emergency fund to deal with those unforeseen events.
- Step 2 – Set Up A Sinking Fund: If you are planning to buy a new house or looking for an abroad travel stint, you need to set up a sinking fund for those one-time uses. These singing funds can be your lifesavers in crisis if you can plan way ahead.
- Step 3 – Create Multiple Income Sources: It is better to earn from at least three sources than relying on a single income profile. Even if you are a full-time worker, you can set up multiple earning channels through side hustles, investments, and side trading.
You should also emphasize new investment options to generate quick money when you need it the most.
It is better to save a small portion of your income and invest in high-risk funds to get hefty profits if your luck and strategy work in the same direction.
How do I get money now?
There are multiple ways to get money now, especially if you are in crisis! You can take various loans such as payday loans, credit loans, mortgage loans, and even community loans.
Besides, you can also ask your friends and families to help you. There are even several government schemes available where you can get financial help.
What should I do if I need money immediately?
If you need money immediately, the best way is to get it by taking a payday loan, as these loans usually disburse within a few hours of application.
You can also resort to your friends and foes for a short-term loan.
And if you have a good social media following, you can ask your fans and follower to help you through crowdfunding and fundraising as well.
How can I get money fast without a loan?
Although a loan is the best option to consider in an emergency, there are many other ways to get money fast! First, you should claim your refund from the IRS account.
And second, you can even take a small amount of money from your 401(k) account as well. You can also make instant money by selling unused items at your local pawn shops.
How much money do I need before retiring right now?
According to recent estimates, you need to save close to $1 million to live a happy life after retirement in tier-1 countries like the USA, Canada, and the UK.
And in other countries, the rule of thumb is to save 12 times of your annual income or more as your after-retirement fund!
However, more is better when you consider savings.
So, I myself have tried all these methods as I need money now, too!
But according to my own experience, if you really need to take loans, it is best to compare different banks and financial organizations to select the one that offers the lowest interest rate.
Besides, it is also a wise decision not to use a credit card with a higher interest rate in an emergency. You can resort to your bank and look for a personal loan option with a significantly lower interest rate.
That’s all for today, folks! Feel free to drop your questions in the comment bow below!
If you want even more ideas for making money, consider checking our posts on:
- 47 Proven Ways To Get Free Money Right Now – [$2000 FREE Money]
- 38 Real Game Apps That Pay Real Money 2023 [Cash or PayPal]
- 25 High Paying Cash App Surveys To Make Money in 2023
- How To Sell Feet Pics Online For Extra Income [$4K/Month]