I Need Money Today, But I’m Unemployed
If you lost your job and need money now, you’re not alone. Many workers lose their jobs every year. Having no job makes it difficult or impossible to make ends meet without financial assistance.
Fortunately, there are assistance programs and loans for unemployed people that may potentially be able to help you get back on your feet. Below is a list of potential ways to try to get money as soon as possible, even if you have no income.
Ways to try to Get Money If You Are Unemployed
File for Unemployment
Unemployment benefits may be a way to help you stay afloat financially when you’re in between jobs. Your state’s unemployment insurance program may be able to help you under certain circumstances.
In order to qualify for state unemployment benefits, you must meet your state’s eligibility requirements. Each state manages their own program, so qualification requirements will depend on where you live. You can learn more about your state's unemployment benefits and the application process at CareerOneStop.org.
If unemployment rates are high in your area, your state may provide extended benefits. Extended benefits last 13 weeks and can only be applied after any of your state’s regular unemployment benefits that you receive run out.
Not everyone qualifies for extended benefits, so you’ll need to check with your state to learn more about the qualification process.
Government Assistance Programs
Along with unemployment benefits, the government also offers various types of assistance programs that may potentially help cover your costs of living.
These programs include:
- Supplemental Nutrition Assistance Program (SNAP)
SNAP is a federal nutrition program that can help cover your food costs. Under the program, for qualifying individuals, each month, benefits are given on an Electronic Benefits Transfer (EBT) card, which is used just like any other credit or debit card at locations that accept EBT cards.
EBT cards can also be used to purchase eligible food items at authorized SNAP grocery stores. In order to qualify, you must meet your state’s income and resource requirements.
- Temporary Assistance for Needy Families (TANF)
The TANF program is a time-limited program designed to provide qualifying families with children when the parents or responsible relatives cannot afford to provide for the family’s basic needs.
Certain TANF programs can provide a variety of benefits for those people who qualify, including, in some instances, housing, food, home energy, job training, child care services and more.
Each state has its own TANF program because states have flexibility in administering their individual programs. Contact your state’s TANF office to see if you qualify to apply for benefits, and determine what benefits are available in your state.
Other Types of Charitable Organizations
Some religious and charitable organizations offer financial assistance to people for a variety of reasons, in some instances including people who have lost their jobs.
The Salvation Army offers programs, including some that provide financial and employment assistance. They also offer meal assistance, and short-term and long-term housing assistance to those in need.
The Red Cross may be able to provide financial assistance to people who lost their jobs due to natural disasters. The Red Cross also offers relief and recovery services to those affected by hurricanes, wildfires and other disasters.
Other charitable organizations help families and individuals who have lost their jobs. Consult the organizations in the link above to determine if you may qualify for services from one of the charitable organizations listed.
Sell Items You No Longer Want or Need
If you have items collecting dust in your closet or garage that you no longer need, you may be able to sell them for quick cash. To try to sell your unwanted items, you should consider the following steps:
- Take photos of the item
- Write a convincing and accurate description of the item
- Post your listing to an online marketplace
You can consider trying to sell your items on the sites listed below, but before you post items be sure to understand the terms and conditions on each site:
- Facebook marketplace
- Local online marketplaces
Depending on what you’re selling, it may take some time to make a sale. To increase the chance that your items are purchased, be persistent and price your items fairly.
Get a “Gig Job”
If you need money quickly, consider whether a part time or gig job may be an option to provide you with the finances you need.
Examples of part time or gig jobs include:
- Rideshare driver
- On-demand delivery jobs
- Some types of technical or professional jobs
Some gig jobs, like ridesharing and delivery, allow you to get started quickly and have minimal qualifications. With some gig jobs, the more you work, the more you earn. When considering whether to sign up for this type of job, be sure to understand the application requirements and other elements of the job.
Some gig or part time jobs – like freelance writing, web design or graphic design – have more rigorous application requirements. When applying for these jobs, you may not get hired or paid as quickly as other types of gig jobs.
Ways to Potentially Borrow Money If You Have No Job
Consider Asking Family or Friends for a Loan
Loved ones often can be a source of support when we need it most.
Many people, however, have mixed emotions about borrowing money from loved ones or friends. The conversation can often be difficult or awkward because it can be difficult to ask for help. Your friends and family, however, want the best for you.
If you need cash quickly for an emergency or to pay bills, credit cards are a potential option. Most utility companies and stores accept credit cards, which can make it convenient to use credit cards to cover life expenses.
Cash advances and withdrawals made by using credit cards can also be used to make payments to companies or people that don’t accept credit cards.
However, while credit cards can be convenient, they’re also costly because of high interest rates and fees. Before you use a credit card to pay your bills or to cover short-term emergency expenses, it's important to consider the added cost of high interest rates and cash advance fees.
Payday and Cash Advance Loans
Payday and cash advance loans are another potential source of quick cash to cover emergency expenses. To qualify for these types of loans, there are often only a few credit and income requirements for qualification. For some types of loans, no credit check is required to apply. But payday and cash advance loans have very high interest rates.
While payday and cash advance loans can help you get money quickly, it’s important to research your options and find a lender that offers the most favorable terms. When researching payday and cash advance loans, it is important to consider their interest rates and fees.
Consider Applying for a Loan from LendUp
LendUp understands that people face hardships in life, including in some cases losing a job. We also know that you’re more than just a credit score. It doesn’t matter if you have bad credit, you are welcome to apply for a loan from LendUp.
Our cash loans may be available to you as long as you meet a few simple requirements.
LendUp has made our application process quick and easy. We require the following:
- A bank account
- Proof of income, which can include income from a source other than employment
- Good credit is not required to apply for a loan from LendUp. It doesn’t matter because everyone is welcome to apply. Our online application is available 24/7, so you can apply when it’s most convenient for you.
The Benefits of a LendUp Loan
LendUp makes it quick and easy to apply for a personal loan. If you are approved for a loan, funds can be deposited in your bank account in as little as one business day.
When you apply for a loan through LendUp, you also enjoy other benefits, like:
- Instant loan decision in most cases
- Quick, mobile-friendly online application
- Free financial education courses
- The LendUp ladder (where available)
If you’re unemployed and need money quickly, a loan from LendUp may be able to provide the funds you need so you can get back on your feet. Apply today.
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