I Need Money Now

An emergency situation can strike at any time, and they always seem to strike when one is least expecting it. What’s worse is that an individual does not have any money to deal with such occurrences. It’s never easy to come up with the money to pay for such unexpected occasions. Such events might include broken-down automobiles, medical bills that a person was not expecting, or any other such expense.

A general census is that not everyone who carefully plans their finances can foresee when they may need money suddenly. After all, the majority of the people are of the opinion of saving just the correct amount of money to cover their everyday expenses while still having enough money to cover unexpected expenses.

People might think of lenders at this point of difficulty to help them out by offering loans. But based on statistics and numbers, the probability of securing a loan while they are in a difficult financial situation is quite low. This has merely to do with the way banks and credit unions evaluate loan applications. Their evaluation is primarily based on the credit history.

As a result, there are a growing number of borrowers that are looking to opt for simple short-term loans that can offer these people an influx of cash right now.

This article will take a look at some of the best emergency loans out there. Moreover, the article will also focus on the advantages of using a loan to get the money now. We shall also take a look at some alternative ways of making money in a prompt manner.

What Are Some Ways to Get the Money You Need in an Efficient Way?

People try all sorts of practices to have a surge of money with them at the time of need. Some of these practices include cutting down on their expenses, such as using utility services in an efficient and effective manner. Moreover, people also eradicate unwanted expenses, which include buying trendy clothes or having fine dining at a reputed restaurant.

While all these are effective techniques, they will still require time for the money to be saved and add up those savings for their unwanted circumstances. However, if people require money right away, here are a few possibilities.

  • Payday Loans

A payday loan or cash advance might be a possible way for individuals to earn a few hundred dollars to cover an unexpected expense before their next paycheck arrives. It will charge a fee for every $100 borrowed, along with a fee cap set by the state where they are currently residing. A payday loan is a good option if they want to avoid bounced checks or credit card late penalties.

The processing time for payday loans is very swift. When they apply online, they can get accepted in minutes and receive funds the same day. There are several financial institutions offering this service. One of the highly recommended ones is to apply with Advance America.

The reason why people opt for their services in the case of payday loans is because of their vast experience of more than 23 years, which has 5-star customer ratings. They have issued over 134 million loans to people who are in dire need of cash. Their staff is quite knowledgeable, and their experience helps make the process quite smooth.

 Lastly, they have over 1200 stores that include both brick-mortar stores and online stores. So if people need urgent cash, they only need to download their App, and their process gets started immediately.

  • Instalment Loans

An instalment loan gives people the opportunity to borrow money and repay it over time with a series of instalments. Instalment loans lie within the range of 3 to 36 months, and they can be returned early without penalty. The length of the loan, the interest rate charged for borrowing the funds, and the original amount borrowed, or the loan principal, all influence the amount of each instalment.

There can be different types of instalment loans that people can opt for depending on their preference and need. For instance, there are unsecured and secured instalment loans that financial institutions like banks and credit unions offer to individuals. An unsecured instalment loan is that in which an individual’s signature is the only guarantee of repayment. Whereas a secured instalment loan is that in which a person has to provide collateral as a guarantee of repayment.

People who choose instalment loans go with CashNet USA. At CashNetUSA, the instalment loan is an unsecured one where the instalment can repay back at an early date without any penalty. The online application for CashNetUSA can be filled out within minutes, and people can receive a decision of approval along with a payout from the financial institution within a day of applying.

  • Title Loans

A title loan can be used to help generate a swift way of earning some quick cash. If an individual has paid all of their dues for their vehicle, such as insurance, etc., then a title loan can use the worth of that vehicle to earn a cash loan.

The process is very easy as the borrower will take their car to the lender, who will assess it and give them an estimate of its value. The amount of money they can borrow is determined by the value of the item. They will pay back their loan on a monthly basis while continuing to drive their vehicle.

People often choose to get a title loan because, for them, it is convenient to pay it off, just like insurance. So in order to apply for this kind of loan, people usually go to TitleMax, which is one of the largest title loan organizations in the United States. On a usual basis, TitleMax assists hundreds of customers in obtaining the funds they require through a title loan. They provide very competitive rates while maintaining a high degree of customer care.

TitleMax has more than 1000 stores across several states and more than 2000 people working as team members in all these stores. These employees are enriched in knowledge and information and provide customers with both confidence and clarity to help them make a decision. So people usually bring their car with them to TitleMax for an official appraisal.

  • Home Equity Loan or Lines of credit

It is similar to a credit card such that it gives them permission to access the funds up to a set credit limit. So within this said credit limit, customers can withdraw as needed. The money that they withdraw will be deposited into their account by the lender by the next working day with a 10% Cash Advance fee charged from the clients. The lender provides them with the option of repaying back their loan in monthly instalments or all in one go.

With NetCredit, people find it convenient to get the money that they need with their own personal line of credit. The application process is quite easy and simple to understand, and people can have the funds they need in a few days’ time.  Each person’s application varies, so if their application gets approved, they could have a line of credit up to $4500.

Each Billing Cycle, customers will have a Minimum Payment that includes a part of their Cash Advance Balance along with a Statement Balance Fee. These are a few charges that the customers have to pay for availing lines of credit from NetCredit. The payment histories of the clients are recorded to the three major credit bureaus so that they can establish their credit by making the said payments on schedule. 

What Are the Advantages of Opting for a Loan to Get Money Fast?

Before choosing to get a specific type of loan, it is always advisable to weigh the benefits of opting for a loan. The following lists down some advantages of using a loan in order to have money now:

  1. Easy application process

Perhaps the primary reason why people choose to get a loan is that the application process of any kind of loan for fast money is relatively easy and simple. It saves them the hassle of providing a list of documents, plus the processing time is also not that much. Consider the example of a payday loan or instalment loan that takes only a few minutes, and the process is completed in a swift manner.  The process is so simple that it can be done from the comfort of the client’s home, and they will have the money in their account the next business day.

  1. Get cash in an efficient and effective way.

The decision on a customer’s loan application is made quickly after they submit it. If they are able to meet the prerequisites for a loan, Advance America or NetCredit, for example, can grant them fast approval. If their loan gets approval, the funds may be deposited in their bank account the same day or within a few business days after they apply.

  1. No need for a good credit history

Individuals do not necessarily need strong credit to get approved, depending on the lender and loan they are asking for. The reason for this is that their credit score is not the only thing lenders evaluate while analyzing their applications. For instance, TitleMax considers consumers with all types of credit. There is a probability that despite having bad credit, clients might be able to acquire a loan.

Top Emergency Loans for People Today With Bad Credit Scores

In times of emergencies, there are several online lenders that provide different types of loans depending on the users’ preference. Emergency situations include medical emergencies, unexpected job loss, etc., all of which are viable reasons to have know-how on which type of loans to go with in order to have an influx of emergency funds. The below mentioned are some best emergency options to have availability of cash now. They include the following:

Personal Loan

Personal Loans is a consumer-friendly online loan provider known for its large loan amounts and low APR. The APR is typically between the ranges from 6.00 per cent to 36.00 per cent. Personal Loans has swiftly set up itself as some of the most popular short- and long-term lending platforms. Customers can get the lender’s approval within 24 hours. People can apply for either a longer repayment period or a shorter repayment period; there are several lenders eager to meet the requirements of the customers and have found them available to them immediately.

The borrowers have the option to pay back the lender anytime between 3 months to 6 years, and they are quite flexible about it. People ought to know that the higher the repayment period is, the larger the interest rate is going to be on the amount that they borrow. It is advisable to return the amount borrowed plus the interest as soon as possible for financial reasons.

Personal Loans do not require a person to have an excellent credit history in order to be approved for a loan. In situations where individuals who are looking for a loan have a credit history that is poor and below average, then in such cases, lenders would require some kind of assurance such as proof of employment, for example, to guarantee that they will fulfill the terms of the requirement.

This specific online lender is particularly well-liked since they have several lending partners throughout the country that are ready to help others with short-term financial needs. This online lender is particularly well-liked because it has lending partners all throughout the country that are eager to help with short-term financial needs. Within a day or two, these lenders can deposit funds directly into your bank account of choice. As a result, Personal Loans can rapidly meet any urgent needs or situations that may arise during your day-to-day existence.


CashUSA is a premium site for all types of short-term loan needs, and it is one of the largest and most popular platforms for short-term emergency loans. It allows clients to take out loans ranging from $500 to $10,000, with repayment terms ranging from 90 days to six years.

The average APR is between the ranges of 6% to 40%. Even though the interest rate is relatively high, CashUSA is not considered as a specific expensive form of funding. This is due to the fact that there are no hidden fees, such as application fees, allowing consumers to concentrate solely on the prices imposed by lenders.

Cash USA is popular for providing important financial advice to its users in order to assist them in getting out of debt or other such dire financial situations. In order for users to avail the service of CashUSA, they are required to have a minimum monthly income in order to qualify for loans. Overall, Cash USA is clearly considered as one of the most known and effective online lending a platform now that is responsible for supplying borrowers with short, medium, and long-term loans.

Bad Credit Loans

Bad Credit Loans is one more popular site for consumers that are looking for reputable lenders, particularly when these consumers are having trouble getting loans through financial institutions that include banks and credit unions. Their difficulty arises when they require a decent credit score in order to be granted a loan for immediate cash.

Since the name of this service is bad credit loans, it is evident that people can qualify to get a loan despite their credit score. Borrowers can show lenders that they have a consistent source of income, which will remove all sorts of suspicions. This gives them confidence that customers will be able to return their loans on time.

The agency pays a specific focus on assisting anyone who is suffering financial difficulties. On the website, individuals can find numerous tools that will assist them in getting through their financial crisis.

Clients can get a loan for anything from $500 to $10,000. The drawback is that in comparison to several other lenders in the market, the interest rates asked by lenders on this site are a little high. However, repayment conditions are usually extremely flexible.

Short-term loans can be obtained with a payback period as short as three months, while long-term funds can be obtained with a repayment period as long as six years. As a result, no matter what a customer needs is, they will be able to locate a lender through Bad Credit Loans who is eager to offer them the loan amount and payback time they require.

One significant benefit of using bad credit loans is that they can help a person with short-term funding in as little as 24 hours, and the amount needed will be in their bank account as soon as they fill out the application.

“I Need Money Now” Alternative Solutions

Money Mutual

There are several reasons why customers vouch for this website since it was opened for business. MoneyMutual has millions of good and satisfying reviews from its customers. Such kind of candid review from the people made it a well-reputed site to visit for fast cash. Reasons to choose it to include:

High praise for a user-friendly interface.

The website navigates a way for customers that make the application submission process easy and quick. MoneyMutual connects you with lenders in seconds, and the loan amount is put into your account the next working day.


MoneyMutual is one of the most secure servers on the internet, whilst being one of the easiest places to utilize for all your short-term loan needs. Entire data and information available on the application are encrypted and saved on secure servers. Furthermore, all transactions made via this site have top-notch security to prevent all sorts of problems and shorten the deposit time.

Wide range of loans

The website offers a wide range of lending choices. Because of its OLA membership, the service has access to a large lender network and can connect you with a variety of lenders offering various forms of emergency loans that include payday loans, instalment loans, and cash advances.

Credit Loan

The majority of consumers seek out Credit Loans since they can handle loan amounts ranging from $250 to $40,000. Lenders provide services that can satisfy both short-term and medium-term financial needs.

The application process and getting approval to have fast cash for a consumer takes quite less amount of time. Customers can have the money that they are asking for within the same day, provided that everything goes fine.

The website also aids those consumers that have a bad credit line, and they are unable to find that influx of cash through traditional banks and credit unions.

People have given good reviews about this site, and therefore it is labelled as one of the most convenient ways to have cash accessible for reasons that include needing money now funding.

FAQs About Emergency Loans

Here are some frequently asked questions and short answers.


There are various ways in which individuals can get the money they need in an efficient manner. But to make the process less hassle and more smooth, the use of emergency loans is something to be considered. I hope this article answer your question “I need money now. Where can I get a fast loan?

Amongst all the loans that are enlisted, MoneyMutual is the greatest overall platform for emergency loans. Based on consumer reviews, that website and platform outshine all the other options. People opt for it because the application process is simple and quick, which makes the loan request easy to be approved in a couple of hours.

While considering various options, personals should weigh the costs with the benefits. Each person requires a set amount of influx cash, so it is advised to check out various lenders and pay attention to the interest rate and the payback period.

Always do due diligence and consider the reviews of customers who have used the services of that specific lender and then make a decision to ask for cash. In situations where you borrow money through online sources, it is imperative to pay them back before time and maintain a good relationship with them.  

cropped robert ferry.jpg
Robert Ferry

We are an unbiased knowledge center for finance and our goal is to help you make your own, educated decisions about getting your credit life turned around.