Jim Vadeboncoeur Jr
3809 Laguna Ave
Palo Alto,
CA 94306-2629


Help, I need money today

I need money right now help

When you need money fast, there are essentially three ways you can go: borrow, earn, or save money. Whether you are facing an unexpected medical bill, car repair, unplanned trip, or any other expense, you are in luck because there are many ways to rely on in a "Help, I need money today!" situation.

First of all, you can get a short-term emergency loan and quickly cover all your expenses. Alternatively, you can choose a way to earn the money you need and try selling stuff, babysitting, renting your place, or any of the options you might find below. Stop saying, "I need money now," and start getting it!

Get an Online Emergency Loan

The most popular online loans you may find on the current financial market are a payday loan, an installment loan, and a personal loan. Usually, you can apply for all of them online and use the loan money on the next business day. They also have a rather high acceptance rate for people with poor credit history. To complete the application process, you must be a US citizen of 18 years of age or older and have a steady income source and an active bank account. Bad credit, welcome!

Based on how much emergency cash you need and what repayment method you choose, you may favor one loan type over the other and snap out of the "in desperate need of money" status.

Payday Loans - Get Extra Money Now, Repay on the Next Paycheck

Payday loans are short term loans used to cover an unexpected expense in the shortest time possible. Normally, you should repay them within a month or on your next paycheck. In most cases, you can take payday loans from $100 to $1,000, but the sum may vary depending on the state of your residence. Make sure you ask your lender about the state restrictions before signing the contract to know exactly how much cash is available to you.

The entire process of quick cash loans is web-based: you submit an online form, we send the details to many lenders we work with, one of them approves your application and sends in the loan offer.

You carefully read and sign the contract. Once you have completed these steps, the lender will deposit the money in your account as soon as the next business day. When the agreed loan time runs out, the repayment will be automatically subtracted from your bank account unless mentioned otherwise in the contract's terms and conditions.

Bear in mind that it is best if you use this option to pay off your immediate expenses, as there is a rather high interest if you are taking it long term.

Installment Loans - Borrow Today and Repay in Monthly Installments

People who need money now and want to repay it in a longer period, have the option to get installment loans. The average repayment time is 18 months, but depending on the state restrictions and lenders' policy can vary from 2 to 24 months. Borrowers can usually choose between paying back the money in bi-monthly or monthly installments. Normally, if your financial situation allows this, you can repay the sum earlier without any penalties and save on interest.

You can take installment loans for $1,000 to $5,000, but once again may change depending on the state of residence. It would be best to ask for this information, along with the interest rate, directly from the lender, which approved your application.

Personal Loans - Take the Cash Advance Quickly, Pay it Back in a Longer-Term

Borrowers can get a personal loan from a lender for any purpose, usually with an established term, interest rate, and a fixed payment schedule. Most personal loans have lower interest rates than credit cards and do not require any collateral. With your lender, you can arrange a suitable repayment amount and know from the start when you will fully pay off the loan. Some borrowers choose to take these loans to consolidate credit card debt and improve their credit score.

The sum you can borrow usually ranges between $5,000 and $15,000 for personal loans, with the possibility to pay back in as long as 60 months. Bear in mind that personal loans, like payday loans, are no credit check loans, which means that you are eligible to apply for the loan if you have a steady income even with a bad credit history.

Other Ways to Help You Get Fast Cash

help I need money today desperately

Sell your stuff

If you need money now, go through your old stuff, and you can find a lot of good things in high demand on marketplaces like Craigslist, eBay, Facebook marketplace, and others. You can sell books, clothes, DVDs, electronics and even collections you have had since childhood. If you don't want to bother with mailing your goods to buyers, you can organize a yard sale, promote it on social media and let people come directly to you to purchase the products.

Take paid surveys

There are a lot of platforms that pay you well for completing surveys. You can get easy extra cash and also get free product samples or merch. It takes little time to complete the tasks, so that you may do this as a part-time job from the comfort of your own home.

Cash in credit card points and other rewards

If you make purchases with a credit card, check if you have enough points to cash out. Besides credit card points, you can take a look at rewards from loyalty programs. If you have some local stores you have been shopping at and have a loyalty club card, verify your balance, and you might get cash out of it.

Use your car to make money

If you have a license and a car, here is your easy way to get money fast. You can drive people around as a part-time job. By joining a network like uber, you can monitor how much money you make by keeping track of location and demand when you are taking clients. Prices are higher in unusual weather conditions and during the night, so if you have spare time during these hours, you can earn money faster.

Pet sit, babysit or look after the house

Many people look for someone to take care of their baby while they are at work, after their house and pets while they are away on holidays. Ask around in your neighborhood if someone is interested in such services or go on online platforms that post vacancies. It is one of the easiest ways to get fast cash if you like babies or pets. Even if you don't, you could look after the house and water the plants and still get paid for this.

Online tutoring

Everyone had one subject in school at which they were particularly good. Now, online tutoring platforms allow you to make money by teaching others. For most platforms, you need to create a profile and pass a couple of quick tests to prove your skills. Before you get started with the lessons, you can choose your schedule, the subjects, and the per hour payment.

Rent your home or car

If you need cash quickly, post a room or your entire home on a booking platform such as Airbnb. You can rent it while you are away on holiday or for the time you go back home to your parent. If you lease it for a longer time, you can also save money on the monthly bills. The same renting principle applies to your car as well. There are many online apps for people looking for a vehicle for the day, so you can get money from renting it.

Borrow from friends and family

Borrowing is not exactly one of the ways to make money, but it is surely a secure way to borrow some if you need cash as soon as possible. If you tell your parents, "I need the money now," they will help you. If you don't want your family to know you have some financial troubles, turn to your friends in an emergency. You will find someone willing to help right away.


How can I borrow money now?

You can get a fast cash advance by taking out an online loan. Even if you have a bad credit history, many lenders are willing to give you short-term loans if you match the eligibility criteria and have a source of income. All you have to do is fill in the online application, and you will know the decision instantly. If you get approved, you can receive your money in your checking account even the same day, depending on the type of loan you are taking and the hour of the day when you applied.

Can I get a loan if I am unemployed?

Yes, lenders offer financial help in these cases as well. All that matters is that you have a steady income; whether it comes from non-traditional work, social security, disability benefits does not impact the decision. If you need money now and match all the eligibility criteria, a loan will be available to you instantly, even with no job or a bad credit score.

How can I make $100 a day?

$100 is a big sum to make in a day; however, nothing is impossible. You can get the cash if you sell something big, if you rent your house, or if you drive around enough people to bring you the cash. If you need money now, you can always apply for an online loan, and the funds will be available by the end of the day or during the next work-day and use it right away.

Which loans are best for bad credit?

Most online lenders have the policy of performing a soft credit check only; therefore, your debt does not impact the loan decision. Moreover, the loans mentioned above do not impact your credit score either. You have nothing to lose if you apply for a payday, installment, or personal loan when in need of financial help. The information that matters when choosing a loan is the sum that you need and the repayment period you are willing to accept. It would help if you did some research beforehand and then carefully check the terms and conditions to match your expectations.

If you have any more questions, please contact us, and our team will do its best to provide you the necessary information!


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This page written, designed & © 1998 by Jim Vadeboncoeur, Jr. Updated 2011.