Do you need cash now? You’re not alone! Tens of millions of Americans live paycheck to paycheck and often need quick cash to cover a sudden expense. It’s a common problem.
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If you search online for how to get cash fast, you will be bombarded with ads for Payday loans and Cash Advances:
“Get cash in as little as 24 hours!”
Get Cash Now“$1000 advance with no credit check!”
“Cash Now! Instant Payday Loans!”
…and a million other similar ads.
But payday and cash advance loans are NOT the fastest way to get cash,
and they are CERTAINLY NOT the easiest way to get cash if you’re in a pinch. They almost always take 2-3 business days to put money in your bank account, and they require you to expose all your personal bank information, social security number, etc. Very risky!
Pawn shops are the fastest way to get cash in your hand quickly and safely. In fact, you can get cash for your stuff often in 15 minutes or less.
Why are Pawn Shops a better option?
Pawn shops don’t do a background or credit check, and there is very little paperwork involved. There is less risk involved for the pawnbroker because the loan is secured (ie. if you don’t pay the loan back, then they get to keep and resell your item.) As a result, the loan process is MUCH faster and more convenient than a payday loan.
Also, pawn shops are strict cash transactions, which is very safe and fast. They don’t require you to have a bank account, and all payments must be made in cash (typically). This is much SAFER for customers, because they cannot have automatic payments sucked from their bank accounts against their will.
What if I don’t want a loan?
If you need cash, but don’t want a loan, you can always just sell items of value that you own. In fact, pawn shops will often give 10-15% more cash for an item you are selling rather than pawning. Selling stuff for cash to a pawn shop is probably the best way to get quick cash (assuming you are willing to part with those items.)
How do I find a pawn shop to get cash?
If you know of a local shop nearby, call them up or take your item there in person to see what you can get.
Remember, if you need cash today, you can get cash today. Consider selling or pawning to a pawn shop – and try using PawnGuru.com to help!