Though you may not have a lot of extra time, a side gig could too be an option. Ideas include driving with a ride-share service like Uber, walking dogs, participating in research studies or even taking online surveys to earn more cash. If you find yourself regularly needing small amounts of money to last you through the week, consider exploring ongoing freelance opportunities in your area of expertise — Upwork and Fiverr are a few places to start.
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Line of Credit: Available at Allied Cash Advance locations in Virginia only. Approval depends upon meeting legal, regulatory and underwriting requirements. Allied Cash Advance may, at their discretion, verify application information by using national databases that may provide information from one or more national credit bureaus, and Allied Cash Advance or third party lenders may take that into consideration in the approval process. Credit limits range from $250 to $1500. After your line of credit is set up, you have the option to draw any amount greater than $100, in increments of $0 up to the credit limit, as long as: you make your scheduled payments; and your outstanding balance does not exceed your approved credit limit. Minimum payments equal 10% of the principal portion of the outstanding balance, plus a Monthly Maintenance Fee. As long as you continue to make on-time and complete payments, you will remain in good standing and be able to continue using your line of credit account.
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If your employer works with any of these companies, it’s a good option to take advantage of their services since they are less expensive in the long term than a payday loan. Still, if you find yourself taking advantage of these services regularly or your employer doesn’t offer them, you may want to look at your finances, make a budget or look for additional ways to earn income.
Note that accounts closed in good standing stay on your credit report for 10 more years, so it doesn’t affect your credit age in the near term. After 10 years, the closed account will only lower your average age if you close old accounts and keep newer ones around. If you close newer accounts and keep the old ones open, this may actually help improve your credit score.