Need Fast Cash in a Pinch? Quick Loans and Alternatives Can Help!

Urgent Money Matters

How Can I Get Cash in a Pinch?

Unfortunately, with the current economic climate, a lot of residents throughout the country have or will experience some level of financial hardship in their lifetime. So, given that reality, how can we get fast cash in a pinch? That is one of the biggest questions that we should know the answer to in case that time comes.

The reality is during these emergency instances, you have a variety of options in front of you. Sadly, there is no guarantee that you will be approved for a loan or that you will receive the funds as quickly as you hope. Below, I will break down some fast cash loans with monthly payments as well as some alternatives that can be used to help get cash when you are in a pinch!

The Best Personal Loan Options

Below I have provided a few different personal loan options, all of which can help deliver you cash within one business day. However, while each loan will come with its list of positives and negatives, nobody understands your situation better than you. Please take your own experience and circumstances into account when reading and researching the topic.

Please note that personal loans should be viewed as a more intermediate or long-term funding option for those in a pinch. Later coverage will discuss more common fast cash loans that are more short-term.

LightStream Personal Loans - Most Well-Rounded

This loan, facilitated by LightStream, is the most well-rounded when it comes to the personal loans on this list. It has a reasonable APR with a wide range of loan terms, depending on the purpose of the loan. For me, the strongest selling point of this loan is the ability to receive same-day funding, which is crucial in the case of needing fast cash.


  • Same-Day funding.
  • Up to $100,000 loan amount.
  • No origination, early payoff or late fees.


  • Requires lengthy credit history.
  • Cannot pay creditors directly.
  • Cannot be used for student or business loans.

Avant Personal Loans - Great for Low Credit Score

Avant, on the other hand, is more geared towards applicants with low credit scores who are a pinch for some funding. This loan is categorized by its availability for lower credit score applicants and next-day funding, although it will come at the cost of an origination fee and higher interest rates.


  • More available for lower credit score applicants.
  • Can pre-qualify with a soft credit check.
  • Next-Day Funding.


  • Origination fee.
  • High-interest rates.
  • No co-signers.

OneMain Financial Personal Loans - Most Flexible Terms

The loan facilitated by OneMain is the most flexible and allows for adaptability for applicants. With very diverse terms with regards to secured vs unsecured, fair or bad credit, monthly due date selection and other options, the loan is very flexible. Again, though, this comes with the cost of a high origination fee and high APR.


  • Accepts fair or bad credit.
  • Funding within 1-2 business days (sometimes same-day).
  • Can apply for a secured loan.
  • Can select a monthly due date.


  • High origination fee.
  • High APR.
  • No co-signers.

What Are Fast Cash Loans?

Fast cash loans are similar to personal loans but are more focused on short-term funding concerns and needs. We presented the above personal loans as a type of “fast cash loan” with longer durations for those in need.

A fast cash loan is generally a short-term, emergency need for cash from an applicant. Designed to be easily accessible and with quick access to funds, these loans often come with a high price for the applicant. Please consider the quick loan options discussed below as a form of emergency or last-resort funding.

Payday Loans

Payday loans are typically $500 or less and are due on your next paycheck, hence the name. These loans often have a quick turnaround repayment and offer three-digit interest rates, resulting in a very high-risk circumstance for individuals. Payday loans should be viewed as a last-resort option for emergency funding.


  • Easy to qualify.
  • Fast funding.


  • Short repayment timeline.
  • High APR and fees.

Title Loans

Similar to a payday loan, a title loan will give the applicant very quick access to cash. Unfortunately, title loans require collateral from you, and if you do not pay back the loan within the 15 to 30-day maturity, you stand to lose the asset that you put up as collateral.


  • Quick access to cash.


  • Asset required for collateral.
  • High APR and fees.

Paycheck Advances

A paycheck advancement can be a good idea, but it comes with the assumption that your employer will offer it to you. If they do, they often have interest-free advances and can be paid back in multiple installments in future paychecks.


  • Sometimes interest-free advance.
  • Might be paid back in installments.


  • Cuts into future paychecks.
  • Very small amounts.

Final Thoughts: Know Your Situation

As I mentioned above–we all have different situations and circumstances that we face. Please consider the duration with which you need fast cash loans with monthly payments and how much of an emergency you are in. From there, selecting your cash option should be easier.

Read on to learn how debt relief works.

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