Strapped For Cash? Here Are 4 Things You Can Do Right Now
September 30, 2020| Emma Frost
Financial emergencies come in many different shapes and sizes but they all share one common factor – they’re stressful and, unfortunately, common. Many people have very little stored away to handle a surprise event and even more, people are struggling to live paycheck-to-paycheck each month. When the need for extra cash arises within an already tight budget, many people are left wondering what they can do to handle their situation. If this sounds familiar, finding relief is easier than you think.
While creating a savings fund is easy in theory, it’s even easy to find financial relief through payday loans. Regardless of the cause of your financial crisis, a payday loan can help you bridge the gap between paychecks, giving you the financial power to handle whatever it is you’re going through. There are certainly different things you can do to secure extra money and we’ll cover those before showing you the option, payday loans, that will be there for you when other options fail. I’ll also show you how easy it is to obtain payday loans in Ocala.
1. Sell Some of Your Things
Perhaps the least attractive option on this list, selling those extra belongings that you have laying around the house is a good way to, not only downsize on your miscellaneous items but it’s often a good way to make extra money quickly. With convenient options such as OfferUp and Letgo, you can confirm your sales through your phone. This is a risky option, however, in the current state of the world and if selling your extra belongings doesn’t feel safe, there are others available to you.
Another option available to you is a pawn loan. Pawn loans work by you offering the market value of your item to a pawn shop, who will then keep it for several days in exchange for money. With this option, you do have the opportunity to buy back your items, but you will lose them after the period where the pawnshop holds onto them is up and the pawnshop will place your belongings on the floor to sell them.
2. Borrow Money From Family and Friends
Borrowing money from your family may seem like a blow to the pride, especially when push comes to shove and you need to find money fast. If your family is in a place to help you and can lend you the money you need, you have the opportunity to work out a repayment plan that best suits you and your needs. However, your family might not be in a financially viable place to help you and, if this is the case, you have other options available!
3. Find and Apply for a Low-Interest Credit Card
Many low-interest credit cards come with a 0% introductory APR period. This means that you can charge the card for whatever you please and only pay back a monthly minimum, without interest accruing. Any amount left on the card at the end of this period, however, will begin to gather interest, and, once you start charging the card, it’s easy to keep charging it!
Credit cards are often dependent upon your current credit score for approval, making it difficult to obtain if you don’t have a stellar score already. Without good credit, you won’t be able to secure a credit card to use for an emergency, but if you don’t have bad credit, this may be the option for you!
4. Apply for a Payday Loan
If the other options don’t appeal to you or you don’t have the best credit, payday loans are a short-term loan option type that can grant you up to $1,000 if you’re in Florida, which can go a long way in bridging the gap between paychecks or in handling your financial hardship. These loans aren’t dependent upon your credit score for approval. We won’t even take a look at your score, and applying for a loan can be started online by filling out a short form that matches you to your nearest store location. Applying for one of these convenient loans is easy, too, and here’s how you can do that.
Applying for Payday Loans in Florida
After you complete your online form, you’ll be matched to your nearest store location. We serve several locations throughout Florida, including Ocala, so you can find payday loans near you easily. Check out our Locations Page to see the places that we specifically serve. Within a few minutes of submitting your form one of our representatives will contact you to set up a face-to-face meeting, during which you’ll supply a few pieces of information that will help the representative determine your eligibility and the amount that you’ll receive for your loan. This information includes:
- Your driver's license or valid I.D.
- Your most recent pay stub as proof of income
- A blank check from an active bank account in your name
Your eligibility and the size of your loan is dependent upon your current employment status, which is why we don’t consider your credit score. After the representative is finished reviewing, you have the opportunity to ask any questions or voice any concerns about the process before the loan is deposited directly into your bank account. If you find that you have questions after you've left the store you can always call or visit our FAQ Page for answers. It’s that simple, thanks to the Fast Payday Loans, Inc. application process. Well? What are you waiting for? Start your application for a payday loan online and get your fast cash today.