- Although asking family or friends for a loan can feel uncomfortable, most will be happy to loan the money as long as they can afford to part with the funds temporarily. Most will loan you the money interest-free, which will save you money when the loan is repaid. If you do pay interest, it is much better for that money to go into the pocket of someone you know rather than to a company that you have no affiliation with.
- Many states have cash advance businesses that specialize in offering payday loans. Simply leave a post-dated check for the amount of the loan plus interest, and you can walk out with cash in hand. Most cash advance businesses operate primarily as a check cashing service. Check the local yellow pages for either "cash advance" or "check cashing" to inquire about payday loans in your area.
- Car title loans are a popular option for people who need instant payday loans or any other type of short-term loan. If you own your car and have a clear title, you can sign the title and leave it with a title loan officer. The loan agent will give you an instant payday loan, but will hold your car title as collateral that the loan will be repaid. Securing the title means the loan agent could secure and sell your vehicle if the loan is not paid.
