I need $2000 Now is something we all say from time to time when we’re caught short of cash, whether it’s a crisis or money for an investment that we’ll get a great return for we just need that extra to make things work.
If you need money right now then you need to ask the following people, organizations and authority for money in this order so that you can avoid paying high interest for short term borrowing.
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The first port of call is your emergency fund; the emergency fund is also sometimes referred to as the opportunity fund. This money should be used rather than borrowing money at high rates, when a crisis occurs the emergency fund will help you go on without too much trouble.
If you don’t have an emergency fund check your savings account, checking account any investment that you can cash to raise the money fast.
Your next option is to go to friends and family for money, if you have a genuine crisis or emergency then they will be willing to help, you need to swallow your pride and ask, the worst they can say is no. By going to your friend or family you can get a quick loan at a very low interest or at zero.
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You should also check what public assistance you could be eligible for; if you’re unemployed through no fault of your own you can apply for unemployment benefits; if you don’t have a place to stay then you can ask the U.S. Department of Housing and Development for assistance; the Supplemental Nutrition Assistance Program can help you with food and grocery through food stamps.
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Your last resort should be to get a loan; if you have a great credit score then you’ll be able to get a personal loan at a low APR rate. If you’ve got a bad credit history with a bad credit score then you’ll have to apply for a pay day loan, sometimes pay day loans are available within 12 to 24 hours.
If you don’t have any income coming in then you need to get a loan backed with a security; a car title loan will use your vehicle as collateral and if you can’t pay off the loan they will keep the car. You can also look to pawn valuables such as gold and other items. If you have any electrical items then you can try going to cash converters for money or a loan.
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If you’ve got nowhere to turn to, no job and no valuables or assets then you should consider asking churches, charities and community support groups for help. Non profit organizations always have discretionary funds to assist people in need so get in touch to see if you’re eligible. One of the best charities that you can go for help is the Salvation Army which will help you with food and shelter and get you back on your feet.
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If you owe loan shark’s money or you’re in trouble then you should turn to the authorities for help; law enforcing bodies can help you with advice, protection and in some cases relocate you until you’re safe. By choosing to go to the authorities you’ll be helping yourself and future victims by getting unscrupulous loan shark operators off the street. All these options outlined about should help you get $2000 when you need the money desperately.
