If you find yourself in need of 200 dollars fast, we may be able to help. Get a quote and know that the money is on the way. It takes just minutes and you may be able to get approved, even with bad credit.
How To Get $200 Fast
Are you at a loss as to how to get 200 bucks fast? You probably have more options than you think. It really comes down to what your definition of fast is. Let’s sit down and take a look at some options that can get you the money that you need as soon as today.
Nobody likes to take out an emergency loan, but they are one of the easiest ways to get the money that you need. You just fill out a little application and boom, money is on the way.
Of course, as you probably know, if your credit is not as good as it used to be, loans can become a bit harder to get. Still, you have options. Here are a few of the loan types you can consider.
This is something that we can help you with. Just head up top and fill out the short loan form. Even if you have bad credit, you might be able to get approved for a personal loan. Depending on the amount that you borrow, you may be able to pay the money back in multiple payments. If you just borrow $200 though, you might need to pay the loan back in one or two payments. There is only one way to find out.
The benefit to the personal loan is that you can know that it is easy to apply for and decisions are made fast. If approved, you can usually also complete all of the needed steps online. This could allow you to have your moeny problem solved super fast.
A pawnshop loan is a secured loan, so it is easy to get approved for. To qualify, you will need to bring an item of value to a awn shop where they will appraise it’s value. You can then take a loan against the value and the pawn shop keeps the item as security until you pay back the money. If you fail to pay back the loan, they keep your item.
The great part about a pawn loan is that it is easy to qualify for since it is a secured loan. Keep in mind though that this is a small dollar loan. The pawn shop will give you only a portion of the value of your item for the loan. This means that if you want to borrow 200 dollars, you would have to have something worth at least around 600 dollars.
A title loan is always an option if you have bad credit and need money although it is usually for more than 200 dollars. Although many agencies would love to write you a loan for the title of your car, they would probably want to make it for more than the $200 that you need in this case. Taking out more than you need on a high interest loan would probably not be advisable.
It would probably be best to pass on a 200 dollar title loan.
If you have items around your home that you do not need, selling them can be a great way to get the 200 dollars that you need without incurring any loan fees or interest. At a loss as to what to sell? Here are some of the most popular choices.
Gold & Silver
If you have outdated jewelry around, sell it to a gold and silver store. This is a great way to get rid of precious metals that you can no longer where and are in a fashion that nobody really wants to buy any more.
The great thing about selling to a gold and silver store is that you can walk out with money the same day. This is perfect if you have an immediate emergency and can not afford to wait on your money any longer. Be sure to check out a couple of different stores to make sure that you are getting a competitive price for your gold or silver.
It is great to have a back up cell phone but chances are that you will never really use it. If you need $200, you can get all or part of that money by simply selling the phone, it just depends on what kind of phone you are selling. If it is a newer model iPhone or higher level Samsung, you can probably get all of the money that you need.
A benefit of selling a phone is that you will, obviously, incur none of the high bad credit loan fees. In addition, you get rid of a depreciating asset. A phone loses value every day, so sell it now while it is worth something.
Furniture & Appliances
Got an extra couch or washing machine lying around? One of these items can easily fetch you 200 dollars or more. It might take a day or two to get it sold, but if you have the time, it beats a loan.
But where to sell this stuff.
In my experience, Facebook Marketplace has been a great source of buyers. It is just as popular as Craigslist, if not more so, and it seems to have more legit buyers. Craigslist is overwhelmed with scammers. As soon as you list an item, you can almost be guaranteed that the first 3 people contacting you are scammers.
If you do not have anything material to sell, you can always look to your own body. Plasma is something very valuable that your body produces and yo can make up to 400 dollars a month selling it.
The awesome part about selling plasma is that it is easy and you can make up to 50 dollars a donation. That, of course, means that you will need to make 4 donations to make $200 but you can donate twice a week. That means that you can make the money that you need in about 2 weeks.
Sometimes, it is better to just do without the money that you need. I know that you think that you need the money, but it is just possible that you really do not. Here are some ways that you can do without.
Many creditors, especially these days, are willing to negotiate. Contact a few of the companies that you deal with and see if you can put off a payment.
If you have an auto loan, for example, and are in good standing, you can probably defer a payment. This does not eliminate the payment, but it does move it to the end of the loan, probably freeing up more than $200 for the time being.
Other lenders such as credit card companies, etc will be just as willing to work with you. Maybe you can skip a monthly payment or pay an interest only payment instead.
Paying Late Fees
One last option is to simply pay late fees on a bill or two.
Add up the costs of not having the money including interest and/or late fees and compare them to the fees of a loan or the cost of selling something that you need. If the cost of the late fees is a better deal for you, that just might be the way to go.