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How To Get $1500 Quickly
When it comes to getting cash in a hurry, you may have more options that you think. Take a look at some of the ways that you can secure the cash that you need.
Loans are not for everyone, but they sure are a great way to get money in a hurry. If you are in desperate need of money, it is nice to have guaranteed money on the way. When it comes to loans with bad credit, there are about 4 different types that you will see offered. Take a look.
This is the original short term loan and, believe it or not, it has been around in various forms for hundreds of years.
With a payday loan, a lender will loan you money and then you pay back the money, plus fees on your next payday. The fees are typically a set amount per hundred dollars borrowed.
The good with a payday loan is that it is super easy to qualify for which is why it is the “go to” loan for so many people. The bad is that it has to be paid back quickly and the fees can be quite high.
Need a bit more money than what a payday loan offers? A personal loan or installment loan might be the solution for you. If you are needing a full 1500 dollars, it will probably be a better option.
With an installment or personal loan, you borrow money and then pay it back, with fees and/or interest, over the course of time. You will make multiple payments or installments until the loan is paid off.
The good here is that you can borrow more money and have longer to pay it back. The bad is that, if you have bad credit, it would still have high fees and/or interest. In addition, since the loan would be longer, you will be paying interest over a longer period of time.
A title loan is a secured loan where you place your vehicle up as collateral. The vehicle must have a free and clear title, or in other words, it must be paid off.
The good thing about this type of loan is that like a payday loan, it is easy to qualify for. The bad is that, if you do not pay back the 1500 dollars, the lender could seize your ride. Be careful.
This one is similar to a title loan except in this case you would be putting up property as collateral. In addition, the actual pawn shop would hold the item until the loan is paid back.
With a pawn loan, you borrow the money and pay it back, usually in one lump sum, with fees and interest. There is usually a document fee, storage fee and interest.
The good with this loan type is that it is easy to get, even with bad credit. The bad is that you would have to put down quite a valuable item as collateral to get $1500. Unless you have a Rolex laying around, it is probably not going to happen.
Other Ways To Get $1500
Getting $1500 without a loan can be quite a challenge, but it is possible. That of course depends greatly on how much time you have. If you have some time to spare, it might be worth it to avoid a loan and find a way to get the money that does not have fees and/or interest.
Below are some great ways to get the money that you need. You might have to combine a few methods together, but with a bit of hustling, you should be able to get all of the cash that you need.
Garage Or Yard Sale
This is the traditional, All American way to make a little extra money. Can you make $1500? That depends on how many high ticket items like furniture and appliances that you have. Got a spare fridge, that is about 300 dollars right there. That old couch, if still in good shape, could net you a few hundred as well.
Add to the big ticket items some smalls like clothing, tools and knick knacks and you could really have something.
One word of caution though. If you have an HOA, check to make sure that garage sales are okay. Also find out if your city requires a permit for a sale. You would have for a fine to negate your profit.
A Family Member Or Friend
What is money between friends? A lot, so use this method carefully.
If you have a friend with a few extra bucks, why not ask them for a loan. The trick is to treat the loan just as if it came from the bank. When you accept the money, you should spell out when and how the loan will be paid back. Also, as formal as it sounds, get it all in writing.
If you are borrowing 1500 dollars, you need to make sure that your friend remembers that is is just 1500 dollars. Memories can get fuzzy over time.
Sell Some Stuff
Granted, you probably do not have a single item just sitting in the corner that is worth 1500 dollars. That doesn’t mean that you can’t sell some junk to get the money that you need though. It does, however, mean that you will have to sell multiple items. Here are some places to do that.
Use an ecoATm to get cash immediately for an old cell phone. Just put the device in and get an offer. If you like the offer, you can walk away with cash.
- Used Book Stores
People steel read books and used book stores need inventory. Sell your old books and walk away with cash for something that is probably wasting away in your closet. They also take magazines, CD’s and DVD’s.
If you have old furniture or appliances to sell, it is hard to beat Craigslist. If you price it right, they will be gone the same day due to the traffic on this website. You must however be cautious about scammers.
Electronics are best sold on eBay. You will get top dollar for them with an auction but if you need money quicker, a BUY IT NOW listing will be your friend.
- Gold Store
Got some tacky jewelry that nobody wants to buy? The Gold and Silver store will take it. Check out a few different stores to make sure that you are not getting scammed on price.
How Did You Do?
Hopefully, you were able to use one of the methods above to get the money that you need. Once you get that $1500, there are just two things to do.
First, you need to handle your immediate money emergency. Whether that be getting food on the table paying for an emergency dental procedure or even getting your car fixed. Get your problem solved and get yourself on track.
Next, you need to make sure that this never happens again. The way to do that is to set a budget for yourself that includes money for savings. If you need to make spending cuts do so, but you need to save and you should be saving at least 10 percent of your take home pay.
The only way for you to prevent financial emergencies and emergency loans in the future, is to have a well stocked savings account. Make that your goal for the rest of the year.