Asked by: Mrs. Stella Mills DVM | Last update: February 2, 2026 Score: 5/5
(43 votes)
Alternatives to personal loans during financial hardship
401(k) hardship withdrawals.
Deferment or forbearance on existing loans.
Friend and family loans.
Home equity loans and lines of credit.
Payday alternative loans.
Buy now, pay later.
Cash advance apps.
Credit card cash advance.
How do I get money if I can't get a loan?
Consider these alternatives if you need to borrow but don't qualify for a personal loan:
Credit card.
Home equity loan or HELOC.
Personal line of credit.
Peer-to-peer loan.
Life insurance policy loan.
Retirement plan loan.
Mortgage refinance.
How do I get emergency money now?
You can get emergency money through a personal loan, credit card cash advance or payday loan. However, some of these options aren't ideal and can cost you a lot of money. You can also consider asking family or friends for money, using a 0% intro APR credit card or tapping into a HELOC.
How can I get cash without a loan?
How to get money fast
Sell something. If you have unused items sitting around your house collecting dust, you could turn them into cash. ...
Pawn something. ...
Sell unused gift cards. ...
Access your paycheck earlier. ...
Take on a freelance gig. ...
Try pet sitting and dog walking. ...
Babysit. ...
Ask for a loan from a family member or friend.
What to do when no one will give you a loan?
What Can I Do If No One Will Give Me a Loan?
Research peer-to-peer lending.
Explore loans from friends and family.
Look at pawnshop loan options.
Compare credit card cash loans.
Seek information about government assistance programs.
Unlock Your Home's Equity - 3 Ways to Access Cash WITHOUT Selling!
41 related questions found
What is a hardship loan?
Hardship personal loans are a type of personal loan intended to help borrowers overcome financial difficulties such as job loss, medical emergencies, or home repairs. Hardship personal loan programs are often offered by small banks and credit unions.
What is the easiest cash loan to get?
Easiest personal loans to get
Best for bad credit: Avant.
Best for flexible terms: OneMain Financial.
Best for no credit history: Upstart.
Best for fast approval: LendingPoint.
Best for small loan amounts: Oportun.
Best for longer loan terms: Upgrade.
Best for peer-to-peer lending: Prosper.
How can I get immediate cash?
Traditional fast cash methods
Personal loans. A personal loan is money you borrow from a bank, credit union, or online lender and repay in fixed installments. ...
Credit card advances. ...
Payday loans. ...
Family loan or community loan. ...
Bank account bonuses. ...
Start a side hustle. ...
Gig economy jobs. ...
Sell belongings.
How can I get money if I'm struggling?
Facing financial hardship
Food assistance. ...
Unemployment benefits. ...
Welfare benefits or Temporary Assistance for Needy Families (TANF) ...
Emergency housing assistance. ...
Rental assistance. ...
Help with utility bills. ...
Government home repair assistance programs.
Who can help me with money urgently?
If you need to borrow money fast, you can apply to your local credit union to find out what sort of loans and interest rates are available. Our guide Borrowing from a credit union can help you find out how it works and how to find one.
How can I get a $1000 emergency fund?
Ask your bank or credit union to transfer $100 from your checking account to a savings account every month. Talk to your local bank or credit union to set this up. 4. Watch Your Savings Grow for 10 Months – The final step is to sit back and watch your savings grow.
Who will give me money right now?
I need money now.Where can I borrow from fast?
Emergency credit. We do not recommend payday loans or other forms of high-cost credit. ...
Credit unions. Credit unions are local, member-owned alternatives to banks. ...
Grants. ...
Trust funds. ...
Help from your local council. ...
Track down money you have missed out on.
How to get $2000 fast with bad credit?
In addition to regular loans, many credit unions offer payday alternative loans (PALs) for amounts up to $2,000. These are an especially good option if you have fair or bad credit as rates are capped at 28%, and they're designed for borrowers who struggle to be approved for credit.
How to get a loan when everyone is denying you?
How to improve your chances of qualifying for a loan
Review and build your credit score. ...
Lower your DTI. ...
Find ways to increase your income. ...
Compare lenders. ...
Prepare with personal loan preapproval. ...
Add a co-borrower or co-signer. ...
Consider a secured loan. ...
Find lenders that accept bad credit.
Which bank gives a personal loan immediately?
HDFC Bank offers pre-approved loans to customers in 10 seconds flat*. Non – HDFC Bank customers can get loans in 4 hours. If you've wondered how to get an instant loan, wonder no more.
How can I get money if I can't get a loan?
Alternatives to personal loans during financial hardship
401(k) hardship withdrawals.
Deferment or forbearance on existing loans.
Friend and family loans.
Home equity loans and lines of credit.
Payday alternative loans.
Buy now, pay later.
Cash advance apps.
Credit card cash advance.
What is the hardship program?
A hardship program may offer any combination of the following temporary measures to make your credit card debt payments more manageable: Due date extensions. Lowered interest rate charges. Pauses in payments and/or interest charges. Reduced minimum payments.
How do you get money when you desperately need it?
Selling personal belongings online—such as clothing, electronics, or books—may help you raise cash in an emergency. Consider taking on an odd job such as babysitting, dog walking, or yard work to help bring in extra money. You may be owed unclaimed property by the state, especially if you've moved around a lot.
How can I get emergency cash now?
While searching for a solution, you may see some other ways to get cash fast in an emergency, like:
Credit card cash advances.
Payday loans.
Auto title loans.
How do I get $1,000 quick?
Here are 10 strategies to make $1,000 fast.
Become a host, server, or bartender. ...
Sell high-value items. ...
Rent out your spare room. ...
Pick up gigs online. ...
Do online surveys. ...
Work for food delivery services. ...
Charge scooters. ...
Babysit.
What banks do emergency cash?
You can withdraw up to £300 from a Royal Bank of Scotland Scotland, NatWest or Tesco cash machine.
How to get a $500 dollar loan with no job?
How to get a personal loan without a job
Use a co-signer. Adding a co-signer means someone else signs as a backup on the loan. ...
Put up collateral. ...
Borrow from a retirement account. ...
Improve your credit score. ...
Borrow from friends or relatives. ...
Consider a cash advance. ...
Avoid payday loans. ...
Peer-to-peer loan.
What credit score will you not be able to get a cash loan?
The minimum credit score required for a personal loan varies by lender. If a lender requires a fair credit score, that might mean a score somewhere between 580 and 660. According to the Consumer Financial Protection Bureau (CFPB), having a higher credit score typically makes it easier to qualify for a loan.
Which bank approves a loan easily?
Citibank is the best big bank for quick personal loans because it offers approval and funding as soon as the same business day. You can also borrow $2,000 - $30,000 with no origination fee. Key Facts About Citibank Personal Loans: Range of APRs: 11.49% -...