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How can I get money now? Four borrowing options for emergencies.

Even when you need money right away, it’s important to weigh your options carefully. Before applying for emergency funding, you should consider how and when you’ll repay the money you borrow. Explore different funding options to help you decide which is best for your situation.

Funding Type
Description
Installment Loans
This type of personal loan provides a lump sum of upfront cash to help pay for larger expenses. The size of an installment loan may range from a few hundred to several thousand dollars. You typically repay in regular installments over several months.

CashNetUSA offers installment loans in some states. See Rates & Terms for availability.
Lines of Credit
A line of credit is a form of open-end credit you can draw from to pay for expenses as they arise. Similar to a personal loan, they can be used to cover personal expenses. The size of a line of credit varies — from a couple hundred to thousands of dollars. Each billing period, you make at least a minimum payment on the amount you borrowed. As you repay, you replenish the amount of money you can access.

CashNetUSA offers lines of credit in some states. See Rates & Terms for availability.
Title Loans
Title loans are a type of secured loan that uses the title of your automobile as collateral for the loan. Because the loan is secured, title loans can often be issued with lower interest rates than other forms of emergency funding such as payday loans. The risk, of course, is that the lender can take ownership of your vehicle if you’re unable to repay the loan.
Pawn Shop Loans
Pawn shop loans are another type of collateralized loan. But rather than using an automobile title to secure the loan, the borrower offers up something else of value. The pawn shop will then determine the amount of the loan based on the item’s appraised value. If you don’t repay the loan, the pawn shop can keep the item and resell it to recover the loss.

Personal Loans From CashNetUSA

CashNetUSA offers two different personal loan options if you need money now. Both provide fast funding and can be used as alternatives to cash advances or payday loans.

The product that may be available to you depends on the state where you live. Check our Rates & Terms page for more information.

Line of Credit

If approved for a line of credit, you receive a credit limit. From that amount, you can withdraw what you need to your checking account.

For repayment, you will have a minimum payment due each billing cycle. As you repay, the funds become available credit again.

With a line of credit, you can draw from your available credit without reapplying.

Installment Loan

If approved for an installment loan, you receive the entire loan amount upfront. You then repay a fixed amount, plus interest, on a regular schedule — commonly once or twice a month.

The amount of time you have to repay ranges from a few months to a couple years. You can always repay early with no penalty to save on interest.

If you need funds again, you can apply for another loan.

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Other options when you need money now.

If you need money urgently but don’t want to take out a loan, there are some non-lending options you may want to consider:

Borrowing from friends and family. This can be a flexible option without interest, though it’s important to set clear terms to avoid straining relationships.

Selling unwanted items. Selling items such as electronics, furniture, or clothing through platforms like eBay, Craigslist or Facebook Marketplace can generate quick cash to pay bills and other expenses. This is a simple way to make money from items that you’re not using. Just be sure to take precautions against online marketplace scams and dangerous situations when using these platforms.

Finding community resources and government assistance. Many local resources offer emergency funds, food pantries or housing assistance programs for people in need. Government assistance programs like SNAP (food assistance) or temporary cash assistance can help you meet essential needs without borrowing.

Preparing for future emergencies. Once you stabilize your finances, setting aside savings for emergencies is crucial. Even small, regular contributions to a savings account can create a financial cushion to prevent future money crises.

What are the requirements to apply for personal loans from CashNetUSA?

You must meet the following eligibility requirements to apply for funding from CashNetUSA.

18 or older

Verifiable, steady source of income

Active checking account

U.S. citizen or permanent resident

Learn more about ways to get money now.

How fast you can get cash with a loan depends on the type of loan, the lender, your financial institution and when you apply. With some types of funding, such as a cash advance or pawn shop loan, you can get money from an ATM or brick-and-mortar location right when you visit.

When it comes to online loans, you can get money as soon as the same day or by the next business day. With CashNetUSA, you can get money the same day if approved before 1:30 p.m. CT Monday – Friday.† If you’re approved after 1:30 p.m. CT, you can get money in your bank account the next business day.

Whether you can get a loan with bad credit depends on a number of factors, including what your credit score is, what your credit history looks like and what type of credit check the lender uses.

The best course of action may be for you to work on improving your credit and consider a non-lending option. That said, there are some formal borrowing options you may consider if you have less-than-perfect credit.

Secured loans. These loans require collateral, such as a car or savings account, to secure the loan. Because the lender has something of value to back the loan, you're more likely to be approved, even with bad credit. However, if you default, you risk losing the asset.

Credit unions. Credit unions are more willing to work with people who have poor credit. They may offer more flexible terms and lower interest rates compared to traditional banks.

Co-signed loans. If you have someone with good credit willing to co-sign the loan, you may qualify for better terms. However, the co-signer is responsible if you fail to make payments.

Bad credit personal loans. Some lenders specialize in offering loans to people with poor credit. These loans often have high interest rates, but they can still provide access to funds.

There are various ways to earn extra cash, depending on your skills and availability. You might want to consider a side hustle such as these:

Gig work. Companies like Uber, DoorDash, and TaskRabbit allow you to make money by driving, delivering, or doing small jobs for people in your area.

Online tutoring. Do you have expertise in a subject? Tutoring can be a great way to make extra money. Websites like VIPKid or Chegg Tutors let you connect with students needing help.

Selling custom products. If you're a bit creative, you can sell your crafts or artwork on platforms like Etsy. You can also personalize products or offer customized services.

Doing surveys or market research. Sites like Swagbucks or Survey Junkie pay for your opinion on products or services. While the income might not be substantial, it's a quick and easy way to earn.