Keep in mind you will be required to pay the money back, and if you leave your job, you may have to pay back the entire balance quickly. Depending on your age and the amount you borrow, this could be cheaper than taking out a fast online loan. Some retirement plans allow you to take out a loan. If you’re approved for one of these loans, you can have the money deposited into your checking or savings account in just a few minutes. You must pay the money back within 120 days. Wells Fargo has a Flex Loan that allows you to quickly access $250 or $500 with fees of $12 and $20, respectively. The Bank of America product is called Balance Assist and allows you to borrow up to $500 for a flat fee of just $5. Institutions, including Bank of America and Wells Fargo, have recently instituted short-term loan programs for their customers that can hit your account within just a few minutes. This option is only helpful if your payday is around the corner, but it could be useful if you regularly fall short right before your paycheck arrives. Banks that have early direct deposit options include Ally Bank, Wells Fargo, Capital One, Fifth Third Bank, and SoFi. They allow you to access a regular direct deposit before it normally hits–typically, up to two days early.

These programs are offered by banks with some of the most popular checking accounts and best savings accounts. Look Into Early Payday ProgramsĪn early payday program is different from a payday loan. You can also take out a fast personal loan to fund a project instead of taking on additional credit card debt. Online lenders like Lending Club and Prosper Personal Loans utilize a peer-to-peer lending scheme where private investors can quickly fund your loan. These loans can be approved in hours and dispersed in a few days. If you’re able to consolidate your debt into a single loan with a lower interest rate, you could end up with extra disposable income each month.

Monthly credit card payments can quickly consume a huge part of your monthly budget. Instead, consider these five ways to get fast cash. Even taking on a rideshare or delivery job can require a waiting period to get onboarded and paid. When speed is your primary goal, making new money is rarely quick.

When you’re looking into how to get cash fast, there are two main categories: leveraging cash that’s already yours or coming to you and making new money.

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