Where can I get money for urgent needs?

Quite often people are faced with the problem of the need for a certain amount of money for urgent needs that are urgent. Even if a person has always lived by means, one has to ask the question, "Urgently need money, where to get it?". For example, someone was detained by a salary, and for a rented apartment or a loan you need to pay immediately. Or the child, the close person was ill, the car has broken, and without it it is impossible to get to work and every day it is necessary to deliver family members to school, kindergarten and to work.

There are several options for where and where to get the money. The most common and habitual of them is to ask relatives and friends. If they always have free money and are always happy to help you - fine, because, firstly, such help can be considered an interest-free loan, and secondly, you were lucky with the nearest environment and support.

The second option is to use the services of authors of announcements such as "Quick loans without certificates", "Money to all", "Credit for five minutes" and so on. It's simple - come with a passport, make out a loan, immediately go with the money. The feature of fast microcredits in the amount of a loan (from 20 to 100 thousand rubles) and a high interest rate (about 700% per annum or 1-3% per day). But such loans are issued for a month or two, since no sane borrower will agree to pay so much. The system of fines and penalties for loan delinquency is quite tough, so much so that the client can go broke.

The next answer to the question   About where to get the money - this is express loans from banks. Credit organizations are also keeping pace with the times and introducing new loan products. If there is a demand for quick loans, why not use it and not make money on it? From you will require only a passport and 20-30 minutes of your time. The purpose of the loan, the amount of your income is not important, no collateral is required. Of course, the bank carries the risks of non-return on fast loans, so the rates for them are much higher compared to consumer products.

Also, if you do not know where to get the money, you can join the credit union (or credit cooperatives). Members of these organizations unite to meet their financial needs and problems, someone opens a deposit, someone draws up a loan. Most likely, for registration of a loan in such an alliance, you will need a certificate of income. Loan amounts are generally small. The objectives of loans are diverse: education, treatment, recreation, the acquisition of a car, housing, replenishment of working capital to entrepreneurs. It is worth noting a more "human" attitude towards borrowers in credit unions. If you warn in advance and explain the reason, chances are that you will be "forgiven" for delay and will not charge penalties and fines (unless, of course, you abuse trust).

For those people who need the same day to get the treasured amount of money, there are pawnshops. These organizations are indifferent to the credit history, the amount of earnings, length of service and age, the main thing is that the borrower should have a passport and documents for collateral. In this capacity, the most diverse property is made up - jewelry, cars, real estate, land, fur products, mobile phones, laptops, Swiss watches and tablets. The interest rate on Lombard loans is much higher than the rates on bank loans, depending on the liquidity of collateral, varies from 0.5% to 2% per day.

Where to get money and how to pay off your debts, it's up to you. They need to be returned, and the price for using other people's funds is quite high, so maybe you should think about the stash "for urgent needs" or issue a credit card. The latter option is very convenient and advantageous, as it can be paid in almost all stores, the interest rate is not too high (from 18% per annum), many banks provide a preferential interest-free period of using the funds (on average - up to 50 days). In addition, the credit card is used as needed, you pay only for the actual purchases, regardless of the available limit. In order not to feverishly seek an answer to the question of where to get money urgently, put in order your personal or family budget and be prepared for unforeseen expenses.