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Final Thoughts

If you need money now, chances are good one of these suggestions will provide the immediate influx of cash you need. If not, I challenge you to come up with other creative ways to earn money fast.

When it comes to earning money, some skill and a little creative thinking can go a long way.

What would you add to this list? What is your favorite way to get cash quickly when you need money now?


28. Work as a Virtual Assistant

Working as a virtual assistant is a lot like working as a secretary from your home, and with today’s technology, being a virtual assistant is easier than ever. From novelists to online business owners, a wide range of people are in need of professional assistance. To excel in this side hustle, sharpen your administrative skills, like email response and organization of information. Check out sites such as Zirtual if you want to make some quick cash this year.

Credit card without income proof

One way to get a loan quickly is to get a credit card without credit checks. With Horizon Gold Card you can get a card with a $500 limit, guaranteed Approval, no credit or employment check. Be aware of the interest rates and additional costs involved around this as it can easily become a problem down the line. You will still need to meet a variety of criteria:

  • Earn regular income. You don’t have to have a job, but you have to have something coming in.
  • Your credit. Having somewhat of a positive credit history increases your chances of being approved for a loan without income proof.
  • If you have equity in a property, a paid off car or a boat, you increase your chances to be approved.
  • You cannot be member of the military. The government prohibits members of the military to acquire short term personal loans.
  • 85. Make Money Off Pharmacies

    Watch for promotional offers from pharmacies that want you to switch your prescription accounts to their companies. When you sign up for CVS ExtraCare Pharmacy and Health Rewards, for example, you can earn up to $50 in ExtraBucks Rewards every year, which is similar to a gift card.

    Will Requesting a Loan Affect My Credit Score?

    No, Pheabs offers soft search loans that will check of the basis of your credit record but not leave any visible footprint. You can have peace of mind when you submit a form that the form will not harm your credit score in any way, or affect your chances of being approved for other loans in the future.

    Do I Need a High Credit Score To Get No Income Loans?

    Having a higher credit score will certainly help you get approved for a no income loan. Still, options are also available for those with a poor credit history. When you fill out a loan application, lenders will look at your finances and credit history, including your credit score. Some lenders will adjust details like the loan amount, monthly payment, and interest rates to fit that minimum credit score if you have bad credit. So while you may not be approved for an extremely high loan amount, you can still find suitable funding with convenient loan terms to cover your financial needs. 

    But what if you find you need additional money? Over time, with consistent on-time payments, you may be able to refinance and get a personal loan with new terms, rates, and an increased loan amount.

    Thankfully, bad credit won’t ruin your job search. If you aren’t confident about your credit history, getting a steady job could help you with consolidating debt and boosting your credit score. After a few paychecks in your bank account, you may then be ready for new low income loans from a different financial institution. 

    What Are the Benefits of Payday Loans for Unemployed People?

    Why should you avail of payday loans? Some benefits are as follows:

    1. They don’t require any assets. You do not need to secure any assets to borrow money.
    2. They are convenient and easy to get. All the transactions are conducted online. You can complete the requirements, mainly filling out applications and signing credit agreements from the comfort of your home.
    3. They are fast and reliable. Since borrowers usually grab payday loans during emergencies, lenders process applications fast and send the money as soon as possible.
    4. They don’t affect credit ratings. Payday loans do not influence your credit score in any way.

    Make your own money so you don’t have to borrow

    No-income loans grant you access to additional funds. However, before taking out a loan, you should first consider starting a side hustle or pursuing another way to boost your annual income. Bringing in some income is better than bringing in no income at all, especially when it comes to paying back your no-income loans.

    Here are some side hustles to consider! 

    • Write an eBook
    • Become a tutor
    • Sell retail arbitrage

    Here is a complete list of side hustle opportunities that can help you make $500 or more each month! 

    What is the Eligibility Criteria?

    To be eligible to borrow money with Pheabs, you must be a U.S. resident and at least 18 years of age, with steady employment, earning at a minimum of $800 per month and a live checking account for your loan to be deposited into. You must be able to afford repayments.

    Features of Unemployed Loans When You Borrow Money

    The type of unemployed loan you choose, as well as the lender you borrow it from, will determine the finer details of your loan. However, many unemployed loans share similar features – these are listed below.

    Loan Amount

    The concept of unemployed loans is low-amount, relatively short-term loans made available over a short period. Most lenders on our panel offer loans ranging from $100 to $5,000. You can find lenders that will offer more than this but do be careful – you don’t want to end up with a loan on your hands that you can’t repay. Also, bear in mind that higher loan amounts mean higher monthly installments and a longer repayment period. It’s really important that you only borrow what you need.

    Loan Terms

    Most lenders that offer unemployment loans allow you to select a term (how long you’ll be repaying your loan) ranging from 60 days to 12 months. At Viva Payday Loans, you can repay your loan over 2 to 24 months. A smaller loan amount generally equates to a shorter term.

    It’s advisable to choose the shortest loan term that you’ll be able to pay off comfortably – this means there’s less likelihood of unexpected financial burdens down the line and that you’ll get a lower overall interest charged on the loan. Interest is charged monthly, which usually means the longer your loan term, the more interest you’ll end up paying.

    Repayment Schedule

    Be sure to only agree to a loan term and repayment schedule that suits your finances. The majority of lenders will automatically deduct your installment from your bank account on the day your income makes its way into your account. This is a plus for you since you don’t need to worry about missing a payment or manually paying it, and because the payment is taken on your “payday,” you know exactly how much money you have to last you for the remainder of the month.

    You can also set customized repayment dates if these better suit you by contacting the lender. You can choose a weekly, semi-monthly, or monthly repayment schedule depending on the agreed loan term and amount.

    Fees & Possible Hidden Charges

    Always read the fine print of your loan.

    When it comes to charges, our lenders offer interest rates of 5.99% to 35.99%.

    Other additional charges could include:

    • An early settlement penalty
    • A late payment penalty
    • Collection fees if the lender hires a debt collector to recover funds

    You will, of course, always need to pay interest on your loan. Interest rates for unemployed loans are higher than secured loans, for example. This is because unemployed loans have higher interest rates since the lender is taking on more risk and because these types of loans are designed to be repaid fairly quickly.

    Certain factors can help you get a lower interest rate on your unemployed loans, such as a higher loan amount and longer term. You should also consider putting up collateral such as your vehicle, improving your credit score, or co-signing the loan with a guarantor.

    Lender Reputation

    A lender’s reputation is one of the most important factors to consider before taking out an unemployment loan. Viva Payday Loan’s panel of lenders ticks all the right boxes when it comes to reputation, good service, and transparency. With this said, it’s best practice to perform due diligence as a borrower to be absolutely sure you’re borrowing from a credible lender.

    Often the best way to research a lender’s reputation is to read their online reviews. A quick search should bring up customer testimonials that you can use to determine the lender’s credibility and track record for customer service. You can also look at their website and social media to get a feel of a lender or call them to speak to them directly.  

    Fast Payout of Cash Loans for Unemployed People

    A big advantage of no job loans for the unemployed is their quick payout time frame. Once you’ve submitted your (usually brief) application, you’ll be given an outcome in a matter of minutes.

    If approved, most unemployment loan providers disburse your loan in just a few hours. For the overwhelming majority of lenders, this means you’ll get your cash on the next business day, although it can sometimes take a bit longer than this.

    What Kind of Personal Loan Is Best for No Income Loans?

    When you want to get a loan with no income, there are two main options: unsecured and secured personal loans. A secured personal loan is a type of funding where the lender takes partial ownership of a piece of collateral during the loan term. This collateral helps lenders for secured loans lessen their financial risk when lending out money. An example of a secured loan would be funding like a title loan or a home loan. 

    Alternatively, an unsecured loan is funding that requires no collateral. This means borrowers for unsecured loans don’t have to give up ownership of any piece of their property in order to get a personal loan. Specifically, unsecured personal installment loans may make a good option for those who need low income loans. 

    Why should you consider a personal installment loan? To start, installment loans offer competitive interest rates and convenient monthly payments. Unlike some unsecured loans such as payday loans, installment loans provide the flexibility to adjust your payback plan with flexibility and ease. When your loan payment plan fits your unique financial situation, you can set yourself up for success to get your finances back on track and organized. 

    To get a no income loan like a personal installment loan, potential borrowers would need: 

    • Government-issued photo identification
    • Proof of income 
    • Proof of residency 
    • An active checking account

    3. Retirement account loan


    If you prefer to use your own money to help fund your emergency, consider taking a loan from the money you have invested in your 401(k) or IRA. The interest rates are usually low and it won’t impact your credit score, but you might have to pay this loan back in a certain window of time or face penalties. You should steer clear of this method if you may lose your job anytime soon. Usually you must pay back the loan entirely if you leave the job or the loan will be considered an early withdrawal.

    The added caveat here is that you should always be cautious of borrowing from your future — retirement funds generally shouldn’t be used as emergency funds, but sometimes life happens and you have nowhere else to turn.

    The other type of cash advance is basically a payday loan

    The name “payday loan” comes from the idea that these short-term, small-dollar loans are only meant to tide the borrower over till their next payday. Similarly, some short-term no credit check loans will refer to themselves as “cash advances” since all they’re really doing (or so they say) is giving you an “advance” on your next paycheck.

    The terms that you receive on these cash advance loans will vary depending on where you live, as these types of financial products are regulated at the state level. Still, the average length of a payday cash advance is approximately two weeks, and the average annual percentage rate is well over 300%.

    In the long term, payday cash advances are much more expensive than cash advances from a credit card. And in the short term, you might have a hard time paying off that payday cash advance on time.

    Payday cash advances are designed to be paid back all at once. Combining that lump sum repayment with their short repayment terms can make these loans quite hard for some people to pay back. In many states, lenders will give these borrowers the option of rolling over their loan or immediately borrowing a new loan once the old one’s paid back.

    This is how costs quickly add up and folks find themselves constantly throwing money at the interest on their cash advance loan without ever getting closer to pay off the loa itself. This is what’s commonly referred to as a “cycle of debt,” and it can spell financial ruin.

    What to Consider Before Applying for Emergency Loans with No Job?

    Unemployment may cause some extra worries when taking a personal loan. There are some additional points you should think about before getting a personal loan while unemployed.

    • Can you return the money on time? You should consider if your budget will allow you to repay the loan in the discussed time frames. Whether you are taking a short-term, payday loan or an installment loan for poor credit that you pay off in weekly or monthly sums or a personal loan with an extended repayment term, it will make the process a lot easier if you are sure that your bank account will handle every payment that is due.
    • Have you analyzed the loan terms? It would be best if you always had a perfect understanding of the contract you are signing, including interest rate, payments, fees, and many more. If you have any questions regarding these, address them to the lender as soon as you can.
    • Have you thought about the risks? It is always a good idea to think about whether the benefits outbalance the possible dangers of personal loans. You should consider if a personal loan is the best option, to what losses are you subjecting yourself if you are unable to pay back. We also recommend carefully calculating the final payment, including the interest rates.

    If you decide to go through with the process after analyzing the points mentioned above, you will be making a safe and literate borrowing.

    Getting emergency loans with bad credit

    Getting a personal loan generally requires at least a decent credit score. If you have bad credit, this can limit your ability to get an emergency loan while unemployed. 

    Fortunately, there are a couple ways to get emergency loans for unemployed borrowers with bad credit. 

    Get a cosigner 

    A cosigner is a person with a good credit score who signs on the loan with you. Though they may not make the monthly payments, the lender holds them equally financially responsible for the personal loan. 

    As we mentioned above, this cosigner can also help you get approved because the lender may consider their source of income in the approval process. 

    Keep in mind that a cosigner is also responsible if you default on the loan. That means if you miss a payment, it could result in a blemish on their credit report. Consider this before asking someone to be your cosigner.

    Lower the loan amount

    In some cases, the issue holding up your personal loan approval is the loan amount. If your creditworthiness can’t support the loan amount you’re applying for, try reducing the requested amount and reapplying. 

    Eligibility Criteria for Loans with No Job

    At Viva Payday Loans, we don’t require much from you to be eligible for an unemployment loan. The only things you need to prove are that you are:

    • 1. Over 18 years old
    • 2. Receiving a regular monthly income of $1,000 or more
    • 3. Living at a permanent address
    • 4. Hold a valid checking or savings account with direct deposit

    Do you meet these criteria? Then go ahead and apply for a loan with!

    About Moneyless

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