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Local community organizations may offer loans or short-term assistance to help with rent, utilities or other emergency needs. Religious groups may make small loans at low rates. Community centers and nonprofit associations in your area may also offer small loans.
Some creditors such as utilities and cable television companies don’t charge interest on late payments, so find out whether they’ll accept delayed payments. Use whatever money you save from not paying those bills to cover emergency needs. If you can't pay consumer debts such as auto loans or mortgages, explore your options with the lender first before turning to toxic high-rate loans. -
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As a way to borrow money, pawnshop loans are not great. But they’re quick, and if you can’t repay the loan, the pawnshop simply keeps the item you used as collateral. That’s a lot better than ruined credit and calls from debt collectors. You can often sell outright instead of borrowing against an item. Jewelry, musical instruments, firearms and up-to-date electronics fare best.
Searching for this phrase online turns up lots of results. We've researched 25 legitimate side jobs that can provide a quick income boost, ranging from driving passengers or packages to freelancing from home.
You can also try the Craigslist jobs or gigs sections, which often have postings for short-term work in food service, housekeeping and general labor. -
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You can sell your used phone or tablet on sites such as Swappa and Gazelle, but to get money now, using an ecoATM kiosk is your best bet since it takes around five minutes. Consider selling old MP3 players, cell phones or tablets.
Exchange websites offer cash for gift cards. The site CardCash pays up to 92% of a card’s value. GiftCash is another option. Most sites like these take a few days to issue payment, especially if the card needs to be mailed in. CardCash’s website says some cards can be transferred online though, which can lead to faster cash.
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