I Need Money Now: Best Offers & How to Get

I Need Money Now: Best Offers & How to Get

There comes a day in everybody’s life when our funds don’t cover emergency costs or a last-minute gift. That is why need-money-now providers exist to help you in those scenarios. When you need money fast, there are many options, and it’s hard to choose the best one.

Some offers come with long lists of terms and regulations that may be unfavorable to you. In the situation of “I need money desperately,” there isn’t enough time to sift through the pool of options available. This is what this article is for, so you can make a thought-through choice for your loan provider.

Need Money Fast?

Need-Money-Now Lenders: Best Offers

When it comes to loan providers and options, the market is overloaded. It’s a hard decision to make, especially when you are in a rush and need cash now.

In an “I need money desperately” situation, you may have to sift through all the industry offers. There are options for short-term loans and long-term ones, and even for bad credit, so whatever your situation is, you’re covered. We’ve compiled the best options for every situation so that you can make the best decision for yourself. Sit tight and read carefully not to miss important details.



PayDaySay is a need-now cash app that matches you with loan providers. It’s a fast and easy-to-use method to get money fast that protects your personal and banking information. PayDaySay offers multiple types of loans: personal, emergency, business, and debt consolidation. This method is best for a need-money-now situation, not for a long-term situation.

Even though the app protects your information and matches you with a provider, they do not look out for your interest preference. You can get your money in a few minutes, up to 24 hours max, and no minimum credit score is required. You can loan from $100 to $5000, but make sure you can pay it back in time.

The minimum requirements are:

  • Being at least 18 years of age
  • Having an official employer
  • Live in the USA
  • Having a US bank account



Cash out from $100 up to $5000

The app doesn’t take into account the creditor’s fees, penalties, interest rates, and other details

Minimal documents required: Passport, Address, and phone number

It can have high-interest rates

Online and real-time processing

Short-term loans, less than a month 

Open 24/7

If the loan isn’t paid back, you can get into a debt trap

No hidden fees


No early payment fees


To wrap up this section, PayDaySay is a solid option for short-term loans, as long as you can pay back the money in the required time.



This is a solution for those who have a car and want to use it as collateral for their loans. If you need fast cash and the amount needed is higher, this one is for you. You can borrow as much cash as the car is worth, up to $35,000. An important feature is that lenders accept even bad credit scores.

To begin the process, fill out your information online, and the application will be reviewed quickly. Once you are approved, you’ll get the money fast as soon as you sign the contract. There are different regulations depending on the state, but the general requirements are:

  • Being at least 18 years of age
  • Being a legal resident of the USA



You’ll get the money fast

There is a possibility to have your can taken away

No credit score minimum required

There are high-interest rates

You’ll get to keep the vehicle while you pay back the loan

There are hidden fees in the fine print of the contract

All in all, for those who are willing to use their car as collateral and require a larger amount of money now, this is a good option. As long as you are sure you can pay back the money and the fees, you’re all set.


US Bad Credit Loans

This option is for those of us who have bad credit and need money desperately fast. Bad credit usually means a credit score of 579 and lower, and those people cannot get a loan from traditional lenders. You can borrow from $50 up to $5000. Keep in mind that credit scores lower than 500 are capped at $1000.

The application process is simple, an online information form will be reviewed, and you’ll get the money as fast as possible. Although there are some minimum requirements such as:

  • Being at least 18 years of age
  • Being a US citizen
  • Having an active US bank account



Bad credit accepted

Loans are capped at $1000 for credit scores lower than 500

Your information is secured

There are fees of up to 8%

Easy online application

Not BBB accredited

To sum up, this is a great option for those who have a bad credit score and require money desperately. Keep in mind that not paying back the money in time can affect your credit further.



WeLoans is a platform for payday loans that matches you with the best provider fast. Payday loans are short-term loans with a smaller amount of money for emergencies until your next paycheck. The amount you can borrow ranges from $50 to $5000 with affordable fees and interest rates.

The process is an online fill-out form that will be reviewed, you’ll choose your option and get your money fast. The minimum requirements are 

  • Being at least 18 years of age
  • Being a US citizen
  • Having an active US bank account
  • Having a consistent source of income
  • Having a valid ID



Bad credit is considered

Loans capped at $5000

The fast and easy application process

Not a direct lender

Personal information security


To sum up, WeLoans is a solid platform that matches you with the best payday loan for you. Don’t forget that it’s a short-term solution, and you need to be able to repay the money by your next paycheck.


US Installment Loans

USInstallmentLoans is a service that helps you find an installment loan that matches your needs. The most common installment loans are Auto Installment Loans, Mortgage Installment Loans, and Personal Installment Loans.

You can borrow from $50 up to $35,000, depending on your application.

You can apply online through an easy-to-follow form that will be reviewed, and you’ll get the decision quickly. Once you are approved and signed the contract, you’ll receive the cash fast. If you are worried about your credit score, FICO scores below 630 are considered, but the amount granted is much smaller. The minimum requirements are as follows:

  • Being at least 18 years of age
  • Being a legal resident of the USA



Larger cash payouts

Fees can be high

Bad credits considered

You can damage your credit if you don’t pay on time

Fast approval


All in all, this is a solid option for those who require a larger amount of money fast. Be aware not to borrow more than you require so that you can pay your installments on time.

How to Get Money Instantly?

We’ve all been here when you need cash now. You don’t have to worry anymore, there are plenty of options to choose from. Depending on your situation and the amount of cash you require, a loan might be an option for you. Once you’ve decided you require a loan, you need to figure out what type of loan fits your situation. There are short-term loans for smaller emergency expenses such as medical bills or help with rent.

On the other hand, long-term loans are larger purchases, like a car or a mortgage. Some can find themselves in bad credit circumstances, for those there are bad credit loans. Regardless of what loan you select, make sure to borrow just enough money for you, and to pay it back in time.

What to Avoid if I Need Money Now?

When need cash now, it’s easy to overlook the bad sides of loaning money. Also, in these situations, people tend to borrow more cash than they require and cannot pay it back on time. This leads to serious consequences such as bad credit, your possessions can be taken away, and even legal proceedings. Bad credit can follow you for a long time, and it makes it hard for you to loan money again another time you might need it desperately.

Another bad side of loaning money is the high fees and the hidden ones. So, when you’re about to sign a contract, read it thoroughly and even the fine print. Only after you’ve understood all the terms and conditions sign any contract. Once you’ve entered a legal agreement, you must abide by it.

Where To Find Money Now: Alternatives

If a loan isn’t an option for you, there are still options to consider. Look around your house and find electronics you don’t use anymore and sell them online or at a garage sale. In case you have more valuable items you can spare, take them to a pawn shop.

Another option is selling your unused active gift cards. Either way, there must be items you can spare around your house. Figure out the price, browse the internet for similar items. Some online platforms for selling your used items: are eBay, Facebook Marketplace, Craigslist, Nextdoor, VarageSale, and Offerup.

You could refinance your student loan, take a loan from your retirement fund, or consolidate your past debt. These are still solid options if this is what you are looking for. For a more consistent stream of cash, find a second part-time job.


All in all, needing money desperately isn’t a situation anyone wants to be in, but there is a way out. There are plenty of options to choose from, from selling unused objects to taking out a loan. After reading this article, you’ve accumulated all the knowledge you need to make a well-thought-out decision about your options.


How can I get free money?

If you have the time, there are many options. Such as signing up for survey sites, getting a credit card sign-up bonus, get cashback on your weekly grocery shop purchases. Many companies can pay you for your time and opinion, survey sites are a great option, but take a while to take the cash out.

How can I make money urgently?

In an urgent situation, you could sell to other people your skills. Everybody has talents and skills, so you could be a tutor and teach another person your craft.  If you are a good baker, do a bake sale, take your skills to a shop and get a pay-by-day job. Look online for entry-level jobs such as data entry or transcriptionist.

How do I get emergency money in the USA?

Besides the methods explained above, loans are a great option. To qualify, you need to be over 18 and a US citizen that has an active US bank account. You could get up to $5000 in no time, even better, from the comfort of your home. Apply online, choose your option and get your cash in under 24 hours.