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Weve researched 26 legitimate side jobs that can provide a quick income boost, ranging from driving passengers or packages to freelancing from home. You can also try the Craigslist jobs or gigs sections, which often have postings for short-term work in food service, housekeeping and general labor. Ask for help. Seek community loans and assistance: Local community organizations may offer loans or short-term assistance to help with rent, utilities or other emergencies.
NerdWallet has compiled a database of payday loan alternatives available to residents in nearly two dozen states. Local churches may make small loans at low rates.
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If you can get one, a personal unsecured installment loan from a bank or credit union is a much better deal than a payday loan. The interest is much lower, and you have longer to pay it back. According to the Federal Reserve, the average interest on a two-year ready money cash advance albuquerque nm loan was 9.
75 in 2015. Even more importantly, you can pay in small, manageable chunks, rather than in one lump sum. For instance, suppose you need to borrow 500 for an emergency home repair. If you went to a payday lender, youd have to pay the full 500 back in two weeks plus 75 interest.