Ask Your Employer About a Paycheck Advance
Many employers, especially larger ones, can advance a portion of wages you've already earned — no interest, no application. It costs nothing to ask.
Check for a Credit Union PAL
A Payday Alternative Loan (PAL) through a federal credit union is capped at 28% APR by federal rule — well below a typical short-term loan. The catch: you usually need to already be a member, and approval still takes a day or two.
Look Into Local Assistance Programs
Many utility companies, landlords, and community organizations offer emergency assistance or short payment plans for exactly this situation, often at no cost. It's worth a phone call before assuming there's no flexibility.
If None of Those Fit Your Timeline
A loan-matching service — like US Lending — connects you with licensed lenders who work with all credit types, often with funds available as soon as the next business day. It isn't the cheapest option on this list; short-term loans carry real APRs, and you should know the range before you commit. But when a bill can't wait, it can be the fastest path to an answer.
Whatever you choose, look at the full cost before you decide — not just how fast you can get the money.
See what you might qualify for — free, and it won't affect your credit score.
Get My Free Loan Match → No obligation. No fees to check your options.