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Everyone has been there at some point – needing money that they just don’t have. Sometimes, it’s because they missed work due to sickness. Sometimes, it’s because an unexpected trip to the emergency room puts a dent in their paycheck. Other times, their child forgets to tell them that they need $100 for their field trip until the night before.

Regardless of the reason, if you find yourself in need of funds quickly, you’re in good company. Unfortunately for many people, this is a problem as their credit doesn’t meet lender requirements for a quick loan. And this fact leaves them having to take out loans that are difficult to repay, like payday loans.

Believe it or not, there are better ways to get the cash you need without falling into a debt trap. Below are just a few options.

Sell or Pawn Something

This may sound ridiculous, but almost everyone has a few things around their home that they don’t need and could make them some cash. Everything from clothes and shoes to old textbooks can get money into your pocket pretty fast.

It can take a few days or more in some cases, though. If you need the cash immediately, a quicker option is to take some things to a pawn shop. You can either sell or pawn them, depending on your preference. For example, if you have a guitar that you haven’t played in ten years and have no inclination to pick it back up, you can sell it to the pawn shop. If you want it back, you pawn it instead.

Ask Family

You can always ask family members for a loan, but some people aren’t lucky enough to have this option. If that’s true for you, approach it differently. Ask your family if they have any work you can do in exchange for some quick cash. Maybe your mom needs some yard work done or your grandmother needs her garage cleaned out. Offer to do the job in exchange for the money you need. If it works, you don’t have to worry about repaying the money later.

Online Loans

It can be difficult to get loans from banks and other traditional lenders – especially if you have bad credit. However, the Internet has opened up several other avenues and almost anyone can find a loan online. You can often find installment loans Canada-based that can be approved in as little as an hour – regardless of your credit.

What if you need quick funds for your business instead of personal expenses? You can find that merchant cash advance financing online, too. No matter your needs, you’re likely to find a suitable option online.