How to Borrow Money Fast

It’s unfortunate but happens too many of us. You may find yourself in need of money fast and no emergency funding to pull from. When you find yourself saying I need money there are places to help.  You may not want to borrow from family and friends any longer; here are 4 options for borrowing money fast.

Cash Advance from Your Credit Card

Taking a cash advance from your credit card is a loan against the credit card company. Most credit card issuers will give you a cash advance credit against your line of credit. So keep this in mind as this may go against your total line of credit. The cash advance interest rate is also much higher, up to 24-percent or higher on most cards. You could do just as well by making a purchase with your credit card and returning the item back to the store for cash if they will do so.

Borrow Against Your Retirement Funds

Your 401k, Certificates of Deposits (CDs), and Individual Retirement Accounts (IRAs) are eligible accounts to take a loan against. In most situations, if you have a 401k, you must be actively employed in order to pay the loan back. Otherwise, it will be considered a withdrawal.

You will also have to call the provider to request the loan via mail. You can ask for an expedited shipment of the check. Some may issue it directly to your bank account. If you go into your financial institution for a loan against your CD or IRA, the funding should be available within 48 hours. Whichever instance, you may pay a small fee, but the interest is paid back to your account.

Short Term Loans

Short term loans are considered by many people as a last option. They carry high interest rates and the idea is for them to be paid back by your next paycheck and not in installment payments. Otherwise, they could cause your bank account to be over drafted. You must be careful to avoid the loan cycle, which is contacting the lender and asking for a loan on top of your loan. It can take a lot of time and money to get out of this cycle.

Visit a Pawn Shop

A pawnshop is another method of securing money fast. You can take valuable items and they will price it and give you the cash instantly. This is a low risk method of borrowing money because if you take an item in you don’t mind loosing and can’t pay the loan back; they simply keep your item and sell it.

Published by Sandy


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