How to Get Money Fast When You Can’t Pay Your Bills


LOS ANGELES – January 25, 2022 – (

iQuanti: Sometimes there just isn’t enough money left over at the end of the month to cover the bills. Whether you keep the lights on or need to pay the internet company to be able to work from home, finding the cash you need is key. If you are in a hurry, here is how to make money fast when you can’t pay your bills.

Contact your electricity supplier

If you know you can’t pay a bill, your first step should be to contact your utility company to explain your situation. They may be able to extend your due date or transfer your existing balance into the next month’s bill. In this case, you can avoid the stress of having to find money now and be sure to be ready to pay it when the future bill is due.

Get a quick cash loan

Some fast cash loans can get money to your bank account as fast as the same day. And depending on your current financial situation, including your credit score and collateral, several types of loans may work:

  • Cash advance: If you have a steady income, you may qualify for a short-term cash advance that can set you back a few hundred dollars to cover your bills. Many lenders require you to repay the loan using your upcoming paycheck, so make sure you have enough cushion to cover the loan plus fees. You’ll also want to make sure you have enough left over to pay your bills for the coming month.
  • Installment loan: An installment loan, like a personal loan, can provide you with a lump sum of money that you will repay according to a predetermined schedule over months or years. Depending on your credit score, an installment loan may have a much lower interest rate than other loans or credit cards.
  • Title loan: If you have access to your car’s own title, you may be able to take out a short-term loan depending on the value of your car. Plus, the advantage of a title loan is that you can continue to drive your vehicle while you pay it off. But make sure you have money to pay off the loan plus fees before the due date, or you could end up paying interest or even repossessing your car.
  • Credit line: A personal line of credit acts much like a credit card. You can spend money up to your limit, then work to pay it back while accessing available funds as needed. This type of loan may have higher credit limits, reasonable interest rates, and does not require collateral if your credit score allows it.

Ask your friends or family

Money between loved ones can get complicated. But the people who love you the most may also be the most willing to help you when needed. To keep the transaction as simple as possible, write an agreement. The written contract indicates the amount you are borrowing and the date on which you will repay it. Honoring this binding agreement makes you responsible for paying back what you owe and gives your loved one the ability to oblige you as well.

Ask for a salary advance

If you’ve been with your employer for a while and have established a relationship of trust, you may be able to get them to issue a paycheck sooner to help you meet your financial needs. A payday advance can provide funds now that will automatically be subtracted from a future paycheck. If your employer agrees, this can be a way to receive an interest-free loan using the money you would have received in a future check.

The bottom line

Not having enough money to pay your bills is a stressful situation. But there are ways to get some quick cash, like taking out a loan, asking friends or family, or asking for a payday advance. Once you’ve caught up on your bills and loan balance, it’s wise to put financial protections in place for future expenses. Creating a small emergency fund is a smart way to make sure you have money to pay your bills next time.

Notice: The information provided in this article is provided for guidance only. Consult your financial advisor about your financial situation.

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How to Get Money Fast When You Can’t Pay Your Bills


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