How do you get money when you desperately need it?

Asked by: Elna Welch II  |  Last update: March 13, 2025
Score: 4.5/5 (16 votes)

Local community organizations may offer loans or short-term assistance to help with rent, utilities or other emergency needs. Religious groups may make small loans at low rates. Community centers and nonprofit associations in your area may also offer small loans.

How do I get money if I am desperate?

Help neighbors work on their vehicles (help with a restoration or general maintenance assistance) Pet sit Babysit Have a garage sale and sell old or unwanted stuff Run errands for the elderly or for busy professionals for an hourly wage Look on the internet for jobs / help wanted in your area.

How to get money if you really need it?

If you need money urgently, consider options like selling items you no longer need, offering services like tutoring or freelance work, participating in paid surveys or online tasks, or reaching out to friends or family for temporary assistance.

What can I do if I desperately need money?

If you're in urgent need of money, start by selling unused items online and exploring freelance or gig work on platforms like Upwork, Fiverr, or DoorDash. You can also consider short-term loans or borrowing from friends or family, but be cautious of high-interest rates.

How do you desperately ask for money?

Be Direct but Polite: Clearly state your request without being overly aggressive. You might say something like, ``I hope you don't mind me asking, but I find myself in a bit of a financial bind and could really use some help.'' Explain Your Situation: Briefly explain why you need the money.

33 Ideas When You Desperately Need Money! | Clever Girl Finance

22 related questions found

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 to ask a rich person for money?

Make a specific request. If you leave a donation appeal open-ended, the person may not end up donating, or may only give a few dollars. But if you ask for a specific amount, it takes a lot of guess work out of the equation for that individual, and makes it easier to commit to your request.

What is 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.

How to get immediate funds?

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.

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 can I get some cash immediately?

How to get cash fast
  1. Sell spare electronics. ...
  2. Sell your gift cards. ...
  3. Pawn something. ...
  4. Work today for fast cash today. ...
  5. Seek community loans and assistance. ...
  6. Ask for forbearance on bills. ...
  7. Request a payroll advance. ...
  8. Dip into your retirement account.

Where can I ask for help with money?

If you need help, take a look at these programs.
  • Temporary Assistance for Needy Families (TANF) ...
  • Low Income Home Energy Assistance Program (LIHEAP) ...
  • Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) ...
  • Supplemental Nutrition Assistance Program (SNAP) ...
  • Child Nutrition Support Programs.

How can I get money when I have none?

A range of free support is available through government services, community organisations and charities there is no reason to struggle on your own. Do your research and consider free services before paying fees or high interest rates, as these options usually worsen your situation in the long term.

How can I find someone to help me financially?

Your local 211 agency has the most up-to-date information about local assistance that may be available to you. If you prefer to talk to someone, you can always call 211 to get connected to a local specialist. Simply call 211 from a cell phone or landline to speak with a live, highly trained service professional.

Where can I get money fast?

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.

How to make money in an emergency?

Five Ways to Get Money in an Emergency
  1. Loan from 401(k) If you are looking to fill a short-term financial need and you want a quick, simple, and low-cost way to get cash, a 401(k) loan may make sense. ...
  2. Personal Line of Credit. ...
  3. Credit Card with 0% APR. ...
  4. Personal Loans. ...
  5. Sell Online.

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.

How can I get money if I'm struggling?

Facing financial hardship
  1. Food assistance. ...
  2. Unemployment benefits. ...
  3. Welfare benefits or Temporary Assistance for Needy Families (TANF) ...
  4. Emergency housing assistance. ...
  5. Rental assistance. ...
  6. Help with utility bills. ...
  7. Government home repair assistance programs.

How can I get emergency money right now?

While there's no easy fix for this type of situation, there are a few paths that you can consider:
  1. Use your emergency savings. ...
  2. Use available credit responsibly. ...
  3. Ask for a gift or loan from someone close to you. ...
  4. Apply for a credit card. ...
  5. Apply for a loan.

How to get a $2000 loan 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.

Do you have to pay back hardship money?

A hardship distribution is a withdrawal from a participant's elective deferral account made because of an immediate and heavy financial need, and limited to the amount necessary to satisfy that financial need. The money is taxed to the participant and is not paid back to the borrower's account.

How to get a loan when no one approves you?

What Can I Do If No One Will Give Me a Loan?
  1. Research peer-to-peer lending.
  2. Explore loans from friends and family.
  3. Look at pawnshop loan options.
  4. Compare credit card cash loans.
  5. Seek information about government assistance programs.

Are there any millionaires giving away money?

Bill Gates and Melinda French Gates have a lifetime giving of $42.5 billion, with a giving focus on health and poverty alleviation. They continue to co-chair the Bill & Melinda Gates Foundation despite their 2021 divorce, Forbes noted. Bill has a net worth of 125 billion, and Melinda's net worth is $10.6 billion.

What is the website for begging for money?

Begslist, Inc. is an Internet begging and online donation website. It is the online version of traditional begging or panhandling via the Internet and a way for people to get help with their financial problems through begging online, a practice known as "cyberbegging" or "digital panhandling".

How do I receive money from GiveDirectly?

GiveDirectly lets you choose how you want to receive your payment via Hyperwallet (options include PayPal, Moneygram, Check, Direct to Bank transfer, Prepaid Card and more). In order to claim your payment, you will need to use the email you received from Hyperwallet to activate a payment portal.