If you find yourself in need of 4000 dollars or more today, we can help. Get an offer for the money that you need in just a few minutes.
Getting A Loan For 4000 Dollars
Even when you have bad credit, you may have loan options. Take a look at some possible bad credit loan choices including payday loans, title loans and installment loans.
Payday Loans
A payday loan is a short term loan, usually for a period of 10 to 14 days. As the name implies, it is designed to be paid when you next get paid. Payday loans are much maligned because they have high effective APR’s, generally higher than 400 percent. This is mainly a factor of the very short loan terms.
Because of the short loan term though, you have a problem. Most of these loans are for just a few hundred dollars and it is unlikely that you could pay back a 4000 dollar payday loan, even if you were offered one. That means that a payday loan is out in your situation.
Title Loans
A title loan is a secured loan because you use your vehicle title as collateral for the loan. Because the loan is secured, it is easier to get, even with bad credit. That being said, interest rates are not much better, often still in the hundreds.
A title loan is expensive, but it is definitely a candidate if you need 4000 dollars right now. There are a couple of catches however. Your vehicle has to have a higher value than the loan and if you do not pay back the loan, your lender has the right to seize your vehicle and sell it.
Installment Loans
This is probably your best option if you need 4000 dollars now and you may be able to qualify, even with bad credit. An installment loan is designed to be paid back, over time. It might have a monthly payment or a bimonthly payment. These are terms that will be set by your lender.
An installment or personal loan can definitely get you the money that you need, but with bad credit, it will still be expensive. Fees and interest can add up quickly, so be sure to look at the total cost of the loan before you make a commitment.
Today’s 4000 Dollar Offer
Now that you can see the types of loans available, lets talk about how to get your quote and hopefully your 4000 dollars.
Get Your Offer
First, you need to get your offer by filling out the quote form at the top of the page. It should take you just a few minutes. Select how much in total you want to borrow and then some basic information about yourself. Then, enter the bank numbers for the checking account that you want to receive funds if approved.
Hit submit and the loan goes to the lending group. This is where our part ends. We are not lenders. Instead, we get you access to online lenders. This is important because, if you need 4000 dollars with bad credit, more lenders makes it easier to get an offer from one of them.
If approved, one of the lenders will make you a loan offer. You will visit their website where you can make your decision and wrap up the process. Accept the offer and you can have $4000 in your account as soon as the next banking business day.
Yes Or No
Once you have your offer, it is time to make your decision. The instinct here is to just take the money that you desperately need automatically, but that would not be a good idea. You need to look at things logically. Take a look.
First, make sure that the loan payment is manageable. Chances are that the payments are going to be high with bad credit. If the money is not there in your budget, it will not appear overnight. Can’t afford the payment, turn down the loan, it is as simple as that.
Also, try to consider whether yo have other source for money. Can you sell some property to get at least some of the $4000 that you need? Any money that you can get through other means is money that you do not have to borrow. You will pay much less on a 2000 dollar loan, for example.
Moving Forward
After you have solved your money problem, it is time to think about the future. If you were just struggling with getting a loan with bad credit, this is something you need to look into. Let’s talk about fixing your credit.
Lucky for you, credit ratings are no real mystery and if you concentrate on just two of the factors involved, you can get good credit.
On Time Payments
Most of your credit score is based on your on time payments. Make sure that you pay your bills on time moving forward and you can start seeing some results. This is mainly for credit reporting loans and similar accounts, but it counts for other types of accounts as well.
An electric bill that you never pay will end up on your report, so they can negatively affect you. With Experian, some can also positively affect you. Use their Experian Boost program to actually boost your score.
Credit Used
The amount of your credit card limits that you use is called credit utilization. Ideally, you should keep it under 30 percent for a good credit rating. In other words, if you have 2000 dollars in available credit, you should be using no more than 600 dollars. If you are all charged up this can be difficult, but keep working at it. Your score will gradually improve as you get closer to the 30 percent mark.
If you need 900 dollars or more, right now, we can help. Take a minute and get a fast offer for the $900 that you need.Even with bad credit, you may be able to get approved. Let’s find out. How much do you want to borrow?
$900 Loan Options
If you need 900 dollars and have bad credit, you may have more options than you think. With bad credit, there are three main types of loans that you may be offered. Take a look.
Option 1: Payday Loans For $900
This is the classic bad credit loan and it has some benefits and some negatives.
Always start with the positive, so here is what is good about a payday loan. They are easy to qualify for and they fund quickly. Even with bad credit, you can get an offer and they can get money in your pocket as soon as the next business day. If you have a local cash store, you could even get money the very same day.
Now, for the negative, because there is always a negative with bad credit loans. Payday loans have high fees and they have short loan terms. Fees will vary, but when expressed as an APR are generally well over 350 percent. The main reasin the APR is so high is that the loan term is short. Most loans will be due in under 2 weeks.
Option 2: Installment Loans For $900
Another option might be an installment loan. This will be a little harder to get than a payday loan, but you may be able to qualify, even with bad credit.
The advantage of an installment loan is that you can pay back your money over time. If you need 900 dollars, it would allow you to make smaller payments which would be easier on your budget than trying to pay it all back at once.
The disadvantage of the installment loan is that, with bad credit, the interest rate would still be high. In addition, the loan is for a longer time so you will be paying that interest over a longer period. That can cause it to build quickly.
Option 3: Title Loans For $900
One last type of loan that you might be offered if you need $900 is a Title Loan. This can get you the money that you need, but there are some issues.
As always, let’s start out positive. This is an easy loan to qualify for because it is secured. You use your vehicles free and clear title as collateral. You can also get more money if you like, If you need 1500 dollars or more, this type of loan can get it to you.
Now, for the issues. These loans will still have high interest rates which can come close to those of a payday loan. In addition, you stand to lose your vehicle. Default on your loan and your lender can come and take your car, truck or SUV. Most of the time, they would choose to renew the loan over seizing your vehicle, but that involves additional fees.
Getting Your 900 Dollars
Now that you see your possible loan options, let’s take a look at how you can get your offer. First off, be clear that we are not lenders and that may be key to you getting an offer. Instead, we put you into contact with a much larger group of online lenders. More lenders means more chances of getting a yes from one of them.
To get started, head up to the top of the page and fill in your quote form. Begin by entering in how much you want and then some basic information about yourself and your income. After that, enter the information for the bank where you want your money sent and submit your quote form.
Then, all you have to do is wait briefly for your answer. Most will come quickly. If approved, one lender from the group will make you an offer. You will then be sent to their website where you can review the terms of this offer. Take the time to read through all of the details and make sure you understand everything. If you do not, contact your lender for clarification. We will not have any loan details and can not help.
If you decide that you like the offer, you can sign for it online and get your money as early as the next business day. Don’t like it? Just walk away, getting a quote does not obligate you.
Paying Back Your Loan
If you decided to accept a loan, your thoughts should turn to paying this loan back. You do not want to be in a bind when the bank comes calling. Here are some ways to come up with the money to make your payments or payments.
Part Time Retail Work
With stores like Walmart paying better than ever, picking up just one shift a week can get you 400 dollars a month. Best of all, stores like this are always hiring and are open 24 hours. This means that there are shifts available that suit any schedule.
Sell Some Property
We all have some extra property laying around. It could be an old television or perhaps a last generation iPhone. Sell this stuff and get some of the money that you need to pay back your $900 loan. Look to websites like Craigslist, Facebook Marketplace and Gazelle to get it done quickly.
Donate Your Plasma
Plasma can earn you around 40 dollars per donation and you can give twice a week. That could be over 300 dollars in just a month. Not bad money for just sitting in a chair for an hour per donation. Plus, you would be doing a good thing.
Hustle
It doesn’t matter how you get the money to pay back your loan as long as you have a plan. Cut some lawns, walk some dogs with Rover or sell some gigs on Fiverr. Just make sure you take action.
If you are in desperate need of money, we may be able to help. Even if you have bad credit, we may be able to assist you in getting a loan offer. Get started now by selecting how much money that you need.
Money Help When You Are Desperate
Believe it or not, you probably have more options than you think when it comes to getting money. Take a minute and look at some loan and non loan options that just might be able to solve your problem. Depending on how much you intend to borrow and your qualifications, one of our lenders may offer you any one of these loan types.
Loan Options
First, let’s look at your loan options. Loans, even if you have bad credit are usually one of the easiest ways to get money in a hurry. With bad credit, your options are of course a bit more limited, but you do have some, take a look.
Payday Loans
This is the classic bad credit loan. With this type of loan, lenders typically charge fees, not interest. An example of a fee might be something like $20 for every $100 borrowed. That means that if you borrow 300 dollars, you would pay back $360.
On the surface, this might not seem that bad, but if you look at the short loan term, the effective APR can be quite high. You see, these loans are due on your next payday, so most loans are for 10 to 14 days.
The good thing about these loans is that they are easy to qualify for. If you have a source of income and a checking account, you are well on your way to getting an approval.
The bad things of course are the high fees and the short loan term. Both can make it difficult to get back on track financially, but sometimes you have to do what you have to do.
Installment Loans
An installment loan is just what it sounds like. A loan that you can pay back with installments. Although you generally need a bit more credit to qualify than you do with a payday loan, you can still get one of these with bad credit. Installment loans will have interest and they also may have fees involved, so read all of the fine print.
The good part of an installment loan is that you will have more time to pay the money back. Depending on how much you borrow, making one lump sum payment could be difficult. An installment loan could solve this problem.
The negative of using this type of loan when you need money desperately is that the interest rate can be high. With bad credit, you are likely to be offered some unpleasant terms and, since you will be paying on the loan longer, interest will be adding up for a longer period.
Title Loans
A title loan is a secured loan because you will put up your free and clear vehicle title as collateral. If you fail to pay the loan back, your lender could take your vehicle. More often than not, they would choose to extend the loan over seizing your vehicle, but it remains an option for them.
The good with a title loan is that the loan is easy to qualify for. It is a secured loan for a lender, so they are more likely to approve someone with bad credit. In addition, they are legal in more states than the payday loan and you can take them out in higher dollar amounts.
The bad thing about a title loan is that it still has high fees and interest. Despite being a secured loan, these loans can have an APR that comes close to that of a payday loan. On top of this, you also have the very real possibility of losing your vehicle, so use caution, even if you desperately need money fast.
Pawn Shop Loans
If you only need a bit of money, this might be an option to consider if you have bad credit. This is also a secured loan but you are placing physical property in the hands of the lender. You borrow money and when you pay it back, plus fees and interest, you get your stuff back.
This is an easy loan to qualify for because it is a low dollar loan and it is secured. If you default, the lender gets to keep your property and they have the store where they can sell it. That makes it very low risk for them. If you are desperate for money and you just need a few bucks, this is a fast way to get it.
The chief negative with a pawn loan is that it is usually for a low dollar amount of around one hundred dollars or less. This is because you are limited by the value of the property that you pawn. In addition, the loan still has rather high costs. The pawn shop will charge you a document fee, storage fee and interest. It can add up.
Loan Apps
These days, there are a number of loans available through apps such as Earnin or Brigit. These apps take into account money that you have already earned and issues you a loan. You then pay back the loan usually automatically, when you get paid again. Fees for these apps will vary but some of them do not require fees to be paid, just a suggested tip.
The good thing about these apps is that they allow you to use the credit from money that you have already earned. In addition, because you will link them to your bank, you will be able to get to the money quickly.
On the downside, you have to jump through a lot of hoops with many of the apps, so you may not qualify. Also, the suggested tip on some of them can be as high as the fees on a payday loan. You may not have to tip, but if you never tip, you will probably eventually lose access.
Credit Card Advance
If you have money on your credit card, you can use it to get a cash advance. All that you need to do is take it to any ATM and use your pin to ge� cash. If you do not know your pin, you may be able to take your card in to a local bank as well. It is a convenient way to get cash when you are desperate, as long as you have some balance on a card.
The good thing about a credit card advance is that it will generally cost you less than the other options above. In addition, if you know your pin number, you can get the money fast, just as soon as you can make it to an ATM.
The negative is that you may face potential fees and high interest. While the interest will probably be less than that of a payday loans, it will still be higher than that of a regular credit card purchase.
Non Loan Options
Now that you know many of the bad credit loan options, let’s take a look at some of the non loan options. These options might involve a little work on your part, but a little hustling never hurt anyone. Take a look.
Plasma Donation
For some, a needle might not seem like a good option but if you are good with one, you can earn up to 400 dollars in a single month from donating. Use the money to handle your problems or to pay back a loan.
The good thing about plasma donation is that you can do it up to twice a week. This is because, during the donation process, they return your blood cells. That means that you do not leave with that light headed feeling. Donating plasma is also a very good thing because it helps a lot of people. Get the money that you desperately need and fell good about yourself.
On the down side of things, you have to go into the center and have your blood drawn. For some, the needle is a deal breaker. Additionally, at up to $50 a donation, it might take some time to get the amount of money that you need.
Recycling Metal
When people think about recycling metal, they usually think about turning in cans, but this is small scale recycling. For the big money, look to recycling yards that take in large scrap and pay you by the pound. All that you have to do is drive around and find this, often discarded scrap and bring it in for money.
The good here is that you can make a good amount of money by turning in what is essentially trash. Like plasma donation, you would also be doing a good thing, in this case for the environment.
On the flip side, collecting metal can be hard work and you will probably want to have a truck or a trailer to get it done. That rules a lot of people out.
Sell On Craigslist
Craigslist is a great source for money, you just have to use a bit of caution because of scammers. That being said, list something in demand and you can have a sale in a matter of hours. This usually means something like furniture, appliances, tools, etc. These things go fast.
The great thing about Craigslist is that you can sell something that is just taking up space in your home and get the money that you are desperate for.
The bad thing is that you have to deal with Craigslist buyers. They can often be difficult lowballers or scammers. If you make a sale, make sure that you only accept payment in cash and meet in a public place. Try to avoid allowing anyone to come to your home.
Garage Sale
If you have a bunch of items to sell, a garage sale might make the most sense for you. Earn the money that you desperately need while sitting in your driveway on a Saturday morning. The key to pulling one of these things off is signage. Make sure that people can not only find their way to your neighborhood, but also all the way to your driveway.
The good with a garage sale is that you can get rid of a ton of junk while making hundred of dollars. All of those little things that you have been pondering throwing in the trash can actually bring in cold hard cash.
The bad is that you have to sit in your driveway and watch people rummage through your life. Also, you need to check into local regulations. Your HOA might not allow for garage sales and your city might require a permit.
Cut Your Hair
Got some long, flowing locks of hair? How much is it worth to you? It could be worth a lot, maybe even enough to get you out of your present time jam. Value your hair online and see if it make sense to you.
The good thing here is that you will be selling something that you can get back. In addition, this hair often goes to someone who needs it, so you could be doing a good thing.
Of course, there are a few negatives to think about. It will take you time to get that hair back and selling enough to make you money will cause a very abrupt change to your appearance.
List On eBay
Craigslist and eBay are great, but certain things just sell better online. This applies to things like designer handbags, computers and video games. Put them on an online auction and you will get top dollar for them in 7 to 10 days.
The good thing about listing on eBay is that you will reach a very large audience. This can let you sell your item quickly and hopefully get you top dollar.
The bad is that you will have to wait for your money. An auction takes time and then you have to move your money from PayPal and then into your account. If you need money desperately, you might not have the time.
Negotiate With Creditors
If you need money in a bad way, negotiating with creditors might be a way to get it. A dollar saved is a dollar earned and if you can cut some of your bills this month, you could cut down on your need for cash. You might do this by requesting interest only payments or, in the case of auto payments, requesting a deferment.
The benefit to this approach is that you can eliminate your need for a loan with minimal costs.
The negative is that if you defer a payment, you may end up paying extra interest on your debt or obligation. Still, if your other option is a cash loan, this might be a cheaper way to go.
Turn In Your Phone
An old cell phone could be just the thing to get you out of a jam. Look for an ecoATm in your area or turn to the online people at Gazelle. They can get you an offer on a phone that is just otherwise collecting dust in a drawer.
The great thing about this method of getting money is that you get rid of a depreciating asset. Sure, it might be nice to have a back up phone, but chances are good that you will not need it. Sell it now while it is still worth some money. If you have an ecoATM in your area, you can even get cash the same day.
The negative with turning in your old phone is Murphy’s Law. As soon as you do it, you will drop your current phone in the toilet. Just be careful.
Cash In Your Change
If you are really desperate, check the couch cushions, there may be more there than you realize. Besides the couch, be sure to check your dresser, the junk drawer and of course, your car. You could easily have 50 bucks in spare change scattered throughout your home. Take it and cash is in at a coin counter at your grocery store or your bank.
The best part of this method is that it is money that is yours and that you are just reclaiming. In addition, there is currently a change shortage so getting this stuff back into circulation is a good thing.
The only real bad part is the burden of collecting your coins and bringing them in. Hopefully you have enough change to make it all worthwhile.
Exchange Gold & Silver
Gold ans silver will always be worth money. If you have some in the form of outdated jewelry, it might actually be worth more to sell it by the ounce than by the piece. If you decide to go this route, keep in mind that not all gold and silver buyers are created equally. Know the going rate before you get an offer and it might pay to shop more than one store.
Selling old gold and silver jewelry is an excellent way to get money if you desperately need it. It can help you dispose of jewelry that people otherwise would not buy as a piece.
The only real downside to this is that you need to take the time to do some research. You do not want to sell your precious metals too cheaply.
