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Look for a payday alternative loan: Some credit unions offer small, short-term cash advances known as payday alternative loans.
Federally chartered credit unions legally cant charge more than a 28 annual percentage rate on PALs. Thats not cheap, but its much better than payday loans, which have triple-digit APRs. Take out a personal loan: Some lenders can fund a personal loan in a day; if you have good credit, youll probably have many choices.
If your credit is a challenge, youll need to find a lender that not only delivers fast cash but also accepts poor credit. Rates for borrowers with bad credit from mainstream lenders top out at 36 APR.