Need $300 and need it fast? We can help with that. Take a few minutes to fill out our short and secure loan quote form and get an offer. We may be able to help you get an offer, even with bad credit.
You Have Options
When you think about it, getting $300 is really not that hard, even if you have bad credit. What is hard is getting it fast but, if you need money in a hurry, there are still ways to get it. Take a minute and take a look at some of the options that can help you get money as soon as today.
Your Loan Options
A loan is one of the easiest ways to get 300 dollars if you need it in a hurry. That being said, it can also be one of the most expensive ways to get the money, so be careful. Let’s take a look at some of your loan options when you have less than perfect or bad credit.
Surely you have heard of the infamous payday loan. It has a bad reputation in parts but it is useful if you have bad credit and need money fast.
If you let us help you get an offer for 300 dollars, one of our lenders may offer you this type of loan. It depends on your credit and the amount that you ultimately ask to borrow.
With a payday loan, your lender will send you money electronically directly to your bank account. Then, on your next payday, the lender will withdraw the money they loaned you plus loan fees.
The good part about this loan is that it is easy to get approved for and it funds rather quickly. On the other side of things, the loan fees can be high when you consider the length of the loan.
A personal loan is typically a little harder to qualify for than a payday loan but you still may be able to qualify for one, even with bad credit. One of our lenders may be able to approve you for one of these loans, depending on your credit and how much you borrow.
With a personal or installment loan, you can break up your payments over time. The smaller payments are often much easier to handle.
The good part about a personal loan is that it allows you to pay back the money over a longer period. In addition, you can often borrow more money with this loan type. On the bad side of things, since the loan is longer, you will be paying interest for a longer period. That can add up to more overall loan fees and/or interest.
This is a very easy loan to get although it is usually for more money than a few hundred dollars.
With a title loan, you place your vehicle title up as collateral for a loan. It is security for a lender because if you do not pay the loan back, they can take your ride. Because of this security, these are easy to qualify for, even with bad credit.
The good traits of this loan are that it is very easy to qualify for and you can get more money than many other bad credit loans. It just depends on your vehicle value. The bad part here is that you can lose your vehicle. Do not pay the loan and the lender can come and get it and sell it to recoup their money.
Similar to a title loan, but you put up property instead of a vehicle. In addition, the pawn shop will actually hold on to the item until you pay back the loan.
Because this is a secured loan, this is often a very easy form of financing to get. It is a secured loan, but the lender will still charge some pretty substantial loan charges. They will typically charge interest plus a document fee and a storage fee. Yes, they charge you to hold onto your property.
The good thing here is that the loan is easy to qualify for. The bad is that it can be hard to get a pawn loan for $300 because the loan is based partly on the value of the item you are putting up. You would need a pretty valuable item to get the full $300.
Your Non Loan Options
Loans are convenient, but they are not always the right way to go. Take a look at some other creative ways to get 300 dollars or even more money.
Selling Your Blood
Well not all of it, just the plasma. Whole blood donation is typically a charity thing and makes you no money. Plasma on the other hand pays and pays pretty well. You can make up to 50 bucks for a single donation and you can donate your plasma twice a week.
If you have the time to wait for your $300, you can earn it by selling plasma in as little as 3 weeks. Can’t wait? Perhaps you can use the plasma donation to pay back a loan.
Selling Your Old Phones
Have a phone, or even two phones laying around? That is money in your pocket and you can get the money as soon as today as long as you have an ecoATM near you.
The ecoATM kiosk will give you a price for your phone and instant cash in your pocket. Just place your phone in the device so that it can analyze it. It gives you a price and if you like it, you can accept it and get paid the same day.
Selling Your Clothes
Would you give someone the shirt off your back to get $300? Good, as long as it is a designer shirt.
Clothing resellers will give you cash for your lightly used designer clothing and fashion accessories. Got a pair of Lucky jeans you don’t want or a high end purse? Sell it and get some or even all of the money that you need.
Selling Your Services
The legal ones of course. There are a lot of jobs that will pay quickly, some the very same day. They may not get you the full 300 bucks that you need but, combined with other methods, they can get you the money you need.
Check the Misc section of Craigslist or find a day labor location in your city. You could end up holding a sign on the side of the road, moving some stones for a garden or who knows what. The good thing is that at the end of the day you would have cash in hand.
Selling Just About Anything Else
If you have ever browsed the local Craigslist, you have noticed that people sell just about everything. You can find anything from used appliances to used socks.
To get at least part of your $300, take a stroll around the house and see what you can do without. Then place it for sale on Craigslist, Facebook Marketplace or any of the online selling apps like 5mile.
Use caution though, scammers abound. Only take cash and meet at a safe location other than your home if possible.
There may be ways to get the money that you need without selling any of your stuff. Here are some possibilities.
- Ask a friend or family member for the money.
- See if your lender will let you defer a car payment.
- Get an advance on your paycheck from work.
- Use a credit card.
- Negotiate with your other creditors.
- Do without the money if late fees are less.