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Need Cash in Your Hands?
When you need money fast and your credit score is not all that, don't stress! There are a few options available to get a loan and get the money fast in your hand without having to go to a title loan shark.
Some of these options are great when you have family that can send you money, or you need a safe way to exchange money for services or merchandise rendered. Some don't require you to sell anything or to have rich family members.
Get Cash Loans Easier Than Ever
Money loans used to be hard to get especially when your credit is not the best and you don't have any equity. Luckily, several innovative and intelligent people saw the problem that those without equity and great credit had with obtaining a loan and wanted to provide a solution.
To provide you with more small loan options these innovaters created apps and even banks. So let's get to them so we can try to get you some cash today.
Get Small Loans, Transfer Money Safely and More from the Square Inc. Cash App
Cash App, developed by Square Inc., is an app that makes it easy for family and friends to send money to each other instantly and easily. Moreover, Cash App makes it safe and easy to accept payments, keeping all banking account information out of the view of others.
Along with secure money transfers, they offer a debit visa card you can use in stores and online, utilizing the money in your Cash App account so you don't have to transfer the money you receive to your bank account.
Of course you can still transfer money to your bank if you like. As they offer the ability to instantly transfer money to your bank account for a small fee of $0.68 or wait 4-7 business days for the money to transfer for free.
Cash App has even more to offer, believe it or not! You can not only save money using your visa debit card when you add boosts to your Cash App card, but you can even invest into bitcoin.
Now I have yet to try out investing in bitcoin through them, however when I do, I'll give you the update here
As for using the visa debit card boosts, I've found that sometimes you get to save quite a bit, and sometimes not so much depending on the deals in the stores and the card boosts available at the time. You'll want to see what boosts are offered every time you plan on using your card.
Want one more bonus to using Cash App?
Cash App Has an Affiliate Referral Program - You Can Earn $5.00 Each Friend You Invite
Here are the details for Square Inc.'s Cash App Referral Program. You must have Square Inc.'s Cash App on your mobile device to access the referral program.
Once you have opened the app, just visit the “Invite Friends” link. There you can enter your friend’s phone numbers and send them a referral link.
Your referrals will need to download the Square Inc. Cash App, connect a debit card, and within 14 days of setting up the account send $5 or more. Once the referral has sent $5 or more you will both earn a $5 bonus credit.
It seems you can refer all the friends you like, so there is no limit to the amount of $5 referral bonuses that you can earn.
Chime Overdraft and Hidden Fees Free Mobile Banking
Chime Bank is another great option to get a quick small loan from family and friends. They provide a peer to peer payment option similar to the Cash App, except they are an actual banking entity.
However, Chime is not your typical bank that charges you fees just for looking at your money. You can say good-bye to monthly maintenance fees. As Chime claims they will not charge any hidden fees nor will they charge you just to maintain your account.
On top of having no fees that I've come across, they offer quite a bit more than your typical bank. For example: when you have direct deposit set up you may qualify to be able to overdraw your account up to $100.00 without incurring an overdraft fee.
Even better is the fact that when you have direct deposit set up, you have access to your deposit up to 2 days faster than other banks allow.
There is one more bonus to getting an account with Chime…
Chime Bank Has an Affiliate Referral Program - Earn $50.00 Each Friend You Invite
This has to be one of the best incentives offered by anyone, refer a friend and you and your friend get $50.00. However there is a catch, so here's the details to the Chime Bank referral program.
You will need to have an account with Chime Bank and have the app downloaded in order to have access to the referral program. Once you have your account opened, just click on the invite friends in the app. You can invite your friends and family from right there as well as get your referral code.
Your referrals will need to be a new customer to Chime Bank and must set up their account in the year of 2020 in order to qualify.
They will need to download the app and set up direct deposit from an employer or benefits payer that uses an Automated Clearing House (ACH) deposit. This is so the referral can receive a deposit that will qualify them to receive the $50.00 sign up bonus.
However, there's more qualifications that the (ACH) direct deposit must meet. The (ACH) deposit must be $200.00 or more and must be received within 45 days of opening the account.
Thankfully, that's all you and your friend have to do to qualify for the $50.00. Once your friend gets their first (ACH) deposit within the 45 days, you and your friend should expect to see an extra $50.00 within 2 days of the deposit.
Unfortunately there is a limit of how much you can earn in referrals. You can earn a maximum of $1,000.00 in referral rewards per calendar year but do expect to pay taxes on earnings of $600.00 and more.
Find More Alternative Loan Solutions
There are other apps similar to Cash App and Chime. So if these two don't interest you just do a search in the app store for them and similar apps will come up as well. I know these small cash loans would not be quite as much as going to a title loan shark, however they are much better options than the interest fees that incur on a title loan.
I hope you enjoyed learning about these alternative loan solutions. Of course, I'd love to hear about your thoughts on these or any alternative loan solutions you have come across, so please feel free to leave a comment below. Thanks for reading! Much love and best wishes to you and your journey to get cash.