Where to borrow money urgently, even if there are outstanding loans?

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

More and more often people think about where to borrow money urgently. This question is really important. After all, no one is immune from unforeseen circumstances. Maybe some "nth" amount will be required for treatment or rehabilitation! Where to go in this case? How to behave? It's not that hard to answer if you don't have any more debts. What if there are outstanding loans and borrowings? Who can ask for money in various sizes? Read on for the best tips and tricks!

Work and work again

The first thing you can do when you urgently need money with open loans is to get a part-time job. In other words, do not get into regular debts, but simply earn the necessary amount. It's not easy, but it's possible.

Usually this method works well for those who do not "burn" the loan. That is, money is needed urgently, but not instantly. With the slightest possibility ofindependent extraction of funds, try to use it. This is the only way to avoid getting yourself into a "debt hole".

In practice, this way out is rarely successful. And people are trying to think more actively about where to borrow money urgently. After all, repaying debts in the future is sometimes much easier than earning money on your own in the shortest possible time.

Relatives

Who is it customary to contact in case of any problems? To the closest! So, if you are thinking about where to borrow money urgently, even if there are outstanding loans and loans, you can try to contact your family. They will definitely help you.

True, this method is also not suitable for everyone. Of great importance is the relationship you have with your relative-borrower, as well as his character. If everything is fine, the person is sympathetic and kind, you are on friendly terms, you can borrow money even without interest. And to give either partially or completely at a certain moment.

But when a relative is not distinguished by kindness or you are just in a bad relationship, you should not mess with him. Often such people are asked to repay the loan with interest. Or even in the future they begin to "nag" for the material support provided to you, even if you have been fully calculated for a long time. As practice shows, it is also preferable not to take money from parents. Not in debt, not just like that.

Friends

Where to borrow money urgently without interest? Another rather interesting method of solving the problem isappeal to your friends and comrades. This option is more acceptable for responsible people. Even if they already have some debt.

The advantages include the absence of interest on the loan. Some, of course, require them, but these are not such frequent cases. Also, you and your friends are always able to agree on the repayment period of the "loan".

Make sure you don't have outstanding loans. Some people tend to distrust citizens with debts. And if you "delay" the payment to a friend, and not for the first time, you risk losing the person's trust. A loan from relatives and comrades is more suitable for responsible citizens. Or just those who are trusted.

Private traders

Where to borrow money urgently? From a private person. Or rather, any acquaintance or stranger. True, on receipt. As a rule, you can turn to people asking for help. And some of them will agree to help you.

True, with open loans, some problems may arise. People are not too willing to lend money to those who have not repaid the loan on time. That is why "private traders" give money only on receipt. It will show you how much you borrowed. And here is the amount that must be paid in the future. Deadlines are also indicated.

A receipt is a document that gives certain guarantees to a "private trader". He has every right to go to court if you try to "evade" the repayment of the loan orloan. You can find such people by ads (in newspapers or the Internet). As an option - just contact some of your friends with a similar request. In practice, funds are often trusted against receipts. Therefore, your chances of success are not so small.

Repayment

Thought where to borrow money urgently? To be honest, the best solution to the problem is to pay off the existing debt. After that, you can simply apply to the bank for a new loan.

Perhaps, this method only theoretically takes place. Indeed, with open loans, few people have a real opportunity to repay it. This means that the method is not for everyone. Just accept it as a possible alternative.

Applying to the bank

Where to borrow money urgently, even if there are outstanding loans? Contact any small bank in your city. Maybe you will get a loan. Although such an action may be considered illegal. With open loans, banking organizations usually refuse new ones.

But you can hope for luck. In some cases, employees either deliberately make concessions (if there are good reasons with evidence), or they may inadvertently issue you a loan without paying attention to the existing loan. Also not a very common option, but it has a place.

IFI

And now more interesting and effective methods. If you are thinking about where to borrow money urgently (on a card orcash), contact microfinance organizations. They usually offer microloans and credits without additional paperwork. Very good way to get cash.

Where specifically to go? For example, in "Micromoney", "Fast money" and so on. Any microfinance organization that issues money on a passport will do. Accordingly, in order to get a loan, it is enough just to present an identity card. Namely, a passport. Everything else is not important for MFIs. If you want to receive funds on a card (some companies offer this service), provide additional card details.

The method is very good, but it has one significant drawback - the interest rate. Taking, for example, 10,000 for a month, you will have to pay a total of about 12-13. In general, overpayments in such organizations are very large. Not everyone is ready to take such a step.

Another minus is that in the event of debts to MFIs, collectors will almost immediately begin to communicate with you. And they will worry about debt repayments for a long time after the loan is repaid in full. Therefore, before applying to an MFI, think carefully about whether this is necessary.

Internet Services

Where can I get money urgently on a card and without refusal? The last good way is to access a variety of Internet services. They, as a rule, allow you to receive money on a card or electronic wallet in just a few minutes.

All you have to do is find the right service. There are a lot of them on the Internet. Applying is as simple as possible - fill out the form, which indicates your passport data, bank card details, as well as the loan amount. Don't forget to leave a number to contact you. After some time (from 10 minutes to several hours), the manager will call you back and inform you about the approval or rejection of the request. Or receive an SMS message with the result of processing the operation.

For the convenience of users, such services usually even offer special calculators. They will show exactly how much you will need to return if you take a specific amount of money for the period you set earlier. No surprises - you can always find out how much to pay an organization.

But there are also a number of shortcomings here. If you are thinking about where to borrow money urgently, even if there are outstanding loans, and decide to turn to virtual services, get ready for huge overpayments. Interest rates are usually high here. Even more than in MFIs.

Also often Internet services turn out to be just fraudulent sites. A loan is issued for you, but you do not receive any money. And you still have to pay. Otherwise, you will be dealing with collection companies. Therefore, try not to use this method. And resort to it only in extreme cases.

Conclusions

Now it is clear where to get money urgently on the card without refusal. Where to apply for a loanin cash too. The following sources are distinguished:

• relatives;
• friends;
• usurers and "private traders";
• banks;
• microfinance companies;
• credit online services.

In addition, you can first pay off the existing debt or simply earn the missing amount of money. Among all the methods, the appeal to relatives and moneylenders is most often successful. But it is better to avoid different MFIs and Internet services. Painfully, they hide a lot of deceit in themselves. Remember - no honest company will contact a person who already has an outstanding loan.