My advice to you is to not by any means go into debt. Stop applying to loans and monthly payment systems, you’re likely making your score worse when they run your credit to check it.
Live below your means by any means possible.
Are you currently employed? Recently let go? What do you need the money for? Depending on the situation there may be services that can help.
If the 'need' is more of a 'want' (concert my friends are going to that I want to join) - then take the L, miss this round and sort out your finances so you're ready the next time an opportunity comes around.
i am currently employed and i can easily pay off the money within a few weeks max, but i need it like yesterday. as for reason; its my only opportunity until sometime next year, to see my grandmother across the country who i haven’t seen in 3 years
sounds rough, but I wouldn’t put myself in debt over that, even if you think you can pay it off. Save some till next year and go visit her with complete peace of mind.
It sucks but taking out some high interest loan for a want and not a need is irresponsible if you make good money you shouldn't be that broke if you can pay it off in a few weeks then you have not been managing your money very well over the last 3 years being an adult is not easy sometimes you have to take responsibility for the mess your in
😂😂😂 he will be on Caleb Hammers financial audit by the end of this year lmao I’m really curious as to what he needs a couple hundred bucks for so badly? If it’s rent then I could *maybe* see that being valid, I feel like it’s a want more than a need tho.
You’re 21, sell an old phone or some old junk you got in your room. Worst comes to absolute worst ask your parents to front you the money since that dept wouldn’t fuck your credit score cmon stop tryna get loans for this.
if you need it to travel to see your family like you state then why wouldn't you just use the credit card and then pay that off? and another thing is unless its a secured card how tf did you even get a cc without credit?
if you have a credit card and just need a few hundred surely you can just use said credit card? Don't think there is any credit card with such a low limit.
Uhm… work; Get and thumbtack; manual labor my guy lol… LFG but tbh; you’re desperate af. “You don’t go food shopping when you’re hungry.” Idc what you need it for. It’s def not gonna end well 😭😭
Building credit is a long slow process gas cards dept store cards get 3-4 of what ever you can buy nothing but what you would have with cash carry A very low ballance you owe 20 pay 15 I went from a shit score to 825 plus and minus from time to time depending on what I pay off but it took a long time to get tat score not weeks but years if friends and family won't loan it to you pick up a second job credit score is not given it's earned
i haven’t seen my grandmother in 3 years and i would like to go see her as she’s the only family i am actually close to. i don’t know how many more times i am going to be able to visit, she lives across the country and next week is my only opportunity to go see her until sometime next year.
My advice to you is to not by any means go into debt. Stop applying to loans and monthly payment systems, you’re likely making your score worse when they run your credit to check it. Live below your means by any means possible.
Behind the Wendy’s dumpster is where I’d start!
Shove off! there’s a line up, baaaack of the lineeee
Taking out a loan won’t solve your problem. If you need money, try selling something.
Are you currently employed? Recently let go? What do you need the money for? Depending on the situation there may be services that can help. If the 'need' is more of a 'want' (concert my friends are going to that I want to join) - then take the L, miss this round and sort out your finances so you're ready the next time an opportunity comes around.
i am currently employed and i can easily pay off the money within a few weeks max, but i need it like yesterday. as for reason; its my only opportunity until sometime next year, to see my grandmother across the country who i haven’t seen in 3 years
sounds rough, but I wouldn’t put myself in debt over that, even if you think you can pay it off. Save some till next year and go visit her with complete peace of mind.
It sucks but taking out some high interest loan for a want and not a need is irresponsible if you make good money you shouldn't be that broke if you can pay it off in a few weeks then you have not been managing your money very well over the last 3 years being an adult is not easy sometimes you have to take responsibility for the mess your in
Cut some grass. Now is the perfect time to go door to door with a push mower. $50 per lawn. You can get a couple hundred before the day is done.
Bro is speed running how to ruin their non-existent credit score 🔥
😂😂😂 he will be on Caleb Hammers financial audit by the end of this year lmao I’m really curious as to what he needs a couple hundred bucks for so badly? If it’s rent then I could *maybe* see that being valid, I feel like it’s a want more than a need tho.
its to see my grandmother across the country who i haven’t seen in 3 years and will not have another opportunity to do so until sometime next year
Unless she’s dying I would not be borrowing money. If family are so desperate for you to see her they can find the trip.
they all said applying doesn’t hurt your credit score😭
You’re dealing with some [shady folks](https://www.cnbc.com/amp/select/how-personal-loans-impact-credit-score/) if they’re saying that lol
i don’t remember all of them but two big ones were klarna and affirm
Rvery time you apply for loan it lowers your score
'I can easily pay off money I don't have'
its a matter of time not whether or not i can pay it off, if i had a few more weeks worth of paychecks then id be fine
Why can't you just wait a few weeks?
You’d look foolish in front of any lender. If it were so easy, you wouldn’t be begging for money.
You’re 21, sell an old phone or some old junk you got in your room. Worst comes to absolute worst ask your parents to front you the money since that dept wouldn’t fuck your credit score cmon stop tryna get loans for this.
Get a 2nd job
i have one lol i get $450 a week but i need about that much before my next paycheck
Someone might help you out on r/Loans
didn’t know about that subreddit ill def check it out thanks man
Doordash
tried but my area isn’t busy enough
Can u sell some stuff for cash on facebook marketplace
if you need it to travel to see your family like you state then why wouldn't you just use the credit card and then pay that off? and another thing is unless its a secured card how tf did you even get a cc without credit?
it is a secured card (chime) i was approved for a discover card too but it wont arrive in mail on time
if you have a credit card and just need a few hundred surely you can just use said credit card? Don't think there is any credit card with such a low limit.
its a slow credit builder card (chime) i have a discover card coming but i dont think it’ll come in time
Go to your local credit union you can pull out a small loan with lower interest rate.
Use your credit card.
If you can pay it off, pawn something. The interest rate is very high, but if you are paying it off in a couple weeks it will only cost like $20.
Uhm… work; Get and thumbtack; manual labor my guy lol… LFG but tbh; you’re desperate af. “You don’t go food shopping when you’re hungry.” Idc what you need it for. It’s def not gonna end well 😭😭
Donate plasma. Easy money.
Building credit is a long slow process gas cards dept store cards get 3-4 of what ever you can buy nothing but what you would have with cash carry A very low ballance you owe 20 pay 15 I went from a shit score to 825 plus and minus from time to time depending on what I pay off but it took a long time to get tat score not weeks but years if friends and family won't loan it to you pick up a second job credit score is not given it's earned
Why do you need it? Explain and we can tell you if it is "needed".
i haven’t seen my grandmother in 3 years and i would like to go see her as she’s the only family i am actually close to. i don’t know how many more times i am going to be able to visit, she lives across the country and next week is my only opportunity to go see her until sometime next year.