You just lost your job? Your kid has an unexpected medical emergency? You’re here because you need cash now! It’s ok, it happens to everyone. We can help. Let’s dive into it! We reviewed some of your options (including payday lenders which we don’t like) if you need quick cash.
Recommendation: it’s always good to make regular account balance check or save some money aside, for rain days, but we all know it’s not always easy. And we all know that banks charge super high fees when you overdraft. In many cases, using alternative solutions and overdraft apps protection will be much cheaper.
| Lender | Loan amount | Cost | Availibility | Convenience |
|---|---|---|---|---|
| RainyDay App | $100-$2,500 | Depends on the state | Next or same day |  (4 / 5) |
| LoanSolo App | $100-$1,000 | Depends on the state | Same day |  (4.5 / 5) | Avant | Up to $35,000 | 9.95-35.99% APR | Next or same day |  (4.2 / 5) |
| Cash Now app | $100-$1,000+ | Up to 2,340% APR | Next or same day |  (2 / 5) |
| Dave | Up to $75 | $1/ month + $5 transaction fee | Next or same day |  (3 / 5) |
| LendUp | $100-$1,000 | Up to 1,000% APR | Next day usually |  (2.8 / 5) |
| CashNetUsa | $100+ | Depends on the state, but from 200% APR | Next day usually |  (1.5 / 5) |
Get a loan today with bad credit
Definitely possible! Many solutions are now available and can provide you cash even if you don’t have a credit score (or if you have a poor one). You will of course need to show other proof of stability, since the lender will want to make sure you are good to pay back. The lenders reviewed here provide cash to people with all types of credit scores.
Get cash now with no bank account
If you need cash but you don’t have a bank account, it will be impossible to get cash through online platforms, at least with the companies we reviewed here.
You might need to go to offline sites (pawnshops) – we don’t recommended.
If you are out of the financial systems because you were hit by too many bank fees, you should know that there are solutions for you. Living with cash only can make your life quite difficult. More and more people are using prepaid card (you can have direct deposits on many of them) or alternatively change banks to online banks or banks with no fees.
In any case, we encourage you to have a bank account as we think it will contribute to your and your family financial wellness in the long-run.
Get cash now with no job
Can you get cash even if you don’t have a job? Yes! It is possible with Dave as long as you can show a direct deposit of at least $1,000 per month over the past few months. The good news is that because Dave connects directly to your bank account, it can pull and analyze your transactions history automatically. No need to do anything here.
For CashNetUsa, you will need to show employment for at least 1 month prior to the date you apply for a loan.
LendUp requires proof of employment depending on the states you live in. You will need to check on their website directly.
CashNow mentions that you don’t have to hold a job per say but you do have to show a regular source of income if you are not employed.
Free cash now
Dave is the closest thing to free cash. It cost $1 per month and in some cases a $5 transaction fee. Dave asks for tips but it’s 100% voluntary.
The other lenders reviewed here are not even close to provide free cash. You should know that nothing is really free!
