When you need emergency cash quickly, several options are available depending on your credit, income, and urgency. Here are some of the best places to get fast loans when you’re in a financial crisis:
1. Personal Loans (Fastest for Good Credit)
Online Lenders (Funds within 1-2 business days):
Upstart (Good for fair credit)
SoFi (Best for low rates)
LightStream (Best for excellent credit)
Avant (Bad credit OK)
Banks & Credit Unions (Some offer same-day approval)
Wells Fargo
Navy Federal Credit Union (for members)
2. Payday Loans (Fast but Expensive)
Check Into Cash
ACE Cash Express
Local payday lenders (Be cautious—APRs can be 400%+)
3. Credit Card Cash Advance
Instant cash from an ATM, but high fees (typically 3-5%) and interest starts immediately.
4. Pawn Shop Loans
Get cash by pawning valuables (jewelry, electronics), but risk losing the item if unpaid.
5. Cash Advance Apps (No Credit Check)
EarnIn (Get up to $750 before payday)
Dave (Up to $500 instantly)
Brigit (Up to $250)
6. Borrow from Friends or Family
No interest or fees, but can strain relationships.
7. Employer Paycheck Advance
Some companies offer emergency salary advances.
8. Title Loans (If You Own a Car)
LoanMart
TitleMax
Risk losing your car if you default.
9. Government & Nonprofit Assistance
Local charities & churches
211.org (Connects you to emergency aid)
10. Side Hustles for Fast Cash
Sell items on Facebook Marketplace or Craigslist
Gig work (Uber, DoorDash, TaskRabbit)
Avoid Scams!
Never pay upfront fees for a loan.
Check lender legitimacy via the Better Business Bureau (BBB).
