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Multiple Money Options
You may have more ways to get $700 than you think. Matters might seem hopeless, but they are probably not. Let’s take a look at a variety of ways that you can handle your money problems fast, as soon as today in some cases.
Nobody really likes to take out a loan, especially if you have bad credit, but it is often the easiest answer. Even with bad credit, you have multiple loan options available to you so don’t panic. Here are a few of the options.
Although not available in every state, a payday loan is one of the easiest loans to qualify for. If you have a source of income and a checking account, you are well on your way towards getting approved for the $700 that you need. The income does not even have to be a job, it can just be any regular source of income that you receive. Even social security and settlements can be considered as income if you get it often
The bad part about a payday loan is that it is a very costly loan. Most lenders will charge a fee based on the amount that you borrow, in this case 700 dollars. It might be somewhere in the range of 20 dollars per hundred borrowed. That means that if you borrow $700, you would have to pay back $840.
This amount might not seem to bad, but if you couple that fee with the very short loan term, you get a very high Annual Percentage Rate.
Payday loans are not available in all stated but if they are in yours, one of the lenders in our group may offer you a payday loan. It depends on your credit, income and the amount you borrow.
A better option, if you have the credit is a personal or installment loan. These loans may be available to you, even if you have bad credit, but they are generally not as easy to qualify for as a payday loan.
The benefit to the personal or installment loan is that the repayment period would be stretched out. It can be hard to come up with 700 dollars plus fees and/or interest in one lump sum. This type of loan would allow you to break the repayment up over a longer period of time.
Of course, one thing that you need to consider is that with a longer loan, you will be paying interest out over a longer time period. That could result in overall fees and/or interest that exceed that of a payday loan. Still, the extra time might be beneficial to you and allow you to get your finances back on track.
Not a very attractive option, but an option none the less. With a title loan, you would place your vehicles title up as collateral. The lender would then have security that the loan would be paid back. It can help you get approved, even with bad credit.
The benefit here is that it is easy to get a loan for $700 or more, even with less than perfect credit. You just need to have a vehicle that is worth more than that amount.
The negative is obvious though, you could lose your car or truck. Be very careful with title loans. The only thing worse than being broke is being broke without transportation.
If a loan does not do it for you, you might just need to hustle to get the money. This might mean getting the full $700 that you need now from variety of different income streams. It might take some work, but it could ultimately get you the money without fees or interest. Here are some options.
Good with a needle? Hopefully so, because donating plasma can get you up to $50 a donation. Since you can donate this life giving fluid twice a week, that can get you 400 dollars in a month.
The best thing about plasma donation is that you can get the money that you need while doing a good thing. This fluid is used in all sorts of life saving treatments, so you would be doing a good thing. In addition, the donation process is fairly quick, taking about an hour.
This might be a bad choice for you though if you are not good with needles. If the idea of giving blood makes you queasy, you should probably pass on plasma donation. The process take a bit longer and is a bit more involved than straight blood donation.
Turn To A Friend
Okay, yes this is a loan, but it is a non traditional loan with no fees. If you have a friend or family member with the money, asking them for help could be a real solution.
Nobody likes to borrow from a friend and 700 dollars is more than a few bucks, but it is worth a try. A free loan could help you get your money situation on track a lot quicker.
If you go down this road, be sure to use caution. More than a few friendships have been lost over money. Make sure to treat the loan seriously, as you would a bank loan. Pay it back just as soon as you can and, although it might seem impersonal, get everything in writing.
Get A Paycheck Advance
Sounds a lot like a payday loan, but this is different.
If you are employed, you know that your pay cycle is delayed. You have probably already earned money towards your next check, so why not tap into that.
Ask your employer if you can get an advance on your next check. This is something that many employers will do, although it is more common with smaller companies.
For your employer, it is very little, if any, risk because you have already earned the money that they are loaning you. They simply automatically deduct the amount you borrow from your next check. If you have enough money earned, you could even be able to get the entire 700 dollars that you need.
Have A Garage Sale
The garage sale is a time tested way to get money in a hurry. An impromptu garage sale can get you several hundred dollars on a Saturday morning while also helping you to de-clutter.
If you decide to go this route, be sure to put up plenty of signage. A few poster boards with your address and directions can do wonders. Many a garage sale has been lost due to lack of signage.
Should the garage sale not be up your alley, or you do not have enough items to sell, turn to Craigslist. Popular items like appliances and electronics can sell in a matter of hours. Just be careful about where you meet. Choose a public location, during the day and only accept cash.