Do You Need Emergency Cash Now?

At some point in everyone's life, there will likely come a time when there is a need for need emergency cash to cover some sort of unexpected expense. The reasons for needing cash as soon as possible vary with each person and lifestyle.

It could be an expensive doctor’s office visit, a mechanical issue with your vehicle, or a big heating bill in those cold winter months. And the emergency doesn’t always have to be unexpected to cause financial problems: according to a 2019 study, 59% of Americans are living paycheck to paycheck.

If a paycheck is lower than anticipated or expenses were more than usual this month, it’s possible you could need emergency cash to pay rent, a mortgage, or other monthly bills. Regardless of the reason, needing emergency cash can cause significant strain on a household budget. If you do not have extra cash readily available, what can you do?

4 Different Ways to Get Cash Fast

Government Assistance Programs

The US government offers assistance to qualifying individuals and families for things such as medical bills, home energy bills, prescription drug costs, and telephone service. These assistance programs are for low-income families and applicants must qualify for this form of government support.

Government assistance programs are not necessarily the fastest option to get emergency financial assistance since you have to go through the application process and meet the qualifications to receive assistance. If, however, you find yourself routinely seeking support, it is worth consideration.


Charities such as the Salvation Army, Catholic Services, or Red Cross may provide emergency help with rent or utilities.

In the event of an unexpected financial hardship, it’s also worth searching for charities local to your area that provide assistance to those in need.

Many cities and towns will have support options for food, clothing, and shelter.

Family & Friend

Borrowing money from family or friends is perhaps the best option when you need to get cash fast.

Family and friends know and trust you, and, if you are able to agree to a responsible and realistic repayment plan, the risk of borrowing can be lower than other alternatives.

Credit Cards & Loans

If handled responsibly, a credit card can provide you with instant coverage for any bill or expense you do not currently have the cash to pay. However, all customers should avoid carrying any sort of credit card balance because of the high-interest rates that many cards carry.

Personal loans can provide emergency cash assistance when necessary. It should be noted that payday and other cash advance loans can carry high-interest rates. When considering whether to take a payday loan or cash advance loan, you should also be wary of debt traps or hidden fees with these types of loans.

How to Get Emergency Cash from LendUp

A final alternative is to seek emergency cash assistance from LendUp.

LendUp offers a quick online application and an instant loan decision for almost all applications. Applications can even be submitted via mobile device with LendUp’s mobile-friendly website.

With LendUp, good credit is not required to apply. If approved, the money can be transferred to you in as little as one business day. LendUp is committed to transparency and our loans do not have any hidden fees, roll-overs, or other types of debt traps.

LendUp also offers access to higher loan amounts and lower rates over time (where available) to customers with a history of successful loan repayment patterns.

If you need to get emergency cash fast, LendUp is here to support you.

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