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Cash transfer times and repayment terms vary between lenders.
NerdWallet has compiled a database of payday loan alternatives available to residents in nearly two dozen states. Local churches may make small loans at low rates. Community centers and nonprofit associations in your area may also offer small loans. Ask for forbearance on bills: Some creditors such as utilities and cable television companies dont charge interest on late payments, so find out whether theyll accept delayed payments.
Use whatever money you save from not paying those bills to cover emergency needs. If you cant pay consumer debts such as auto loans or mortgages, explore your options with the lender first before turning to toxic high-rate loans.