Everyone knows that payday loans are extremely expensive, yet many still use them frequently. My theory behind this is that people simply don’t know where else to turn for a quick buck.

The good news is that there are options out there that can help you get the money that you need without having to turn to a payday lender.

Work For The Cash You Need

If you have some extra time on your hands, and especially if you’re unemployed or have no job, simply get a job that will pay you quickly. This might seem like a daunting task, but there is a pretty solid strategy behind getting the job done.

For those that are employed, start by seeing if there is a way you can pick up some overtime at your job. It won’t pay you right away, but once payday does roll around the extra money will be well worth the work.

If overtime isn’t an option, turn to Craigslist. They have a job section that many people don’t know about called [ETC] that is full of jobs exactly like this.

This is where you get jobs like handing out fliers for local restaurants, doing medical research, or courier work. Many times you can be put to work the same day and also get paid in cash once you are finished.

Sell Stuff That’s Laying Around Your House

While pawn shops aren’t known for paying top dollar for the things they buy, there aren’t many ways to beat how fast they are.

If you have anything that may be of value to someone else the pawn shop will likely buy them. Here are some of the things that they are most likely to buy:

If you have stuff that isn’t on this list you may want to consider trying to sell it at a store that specializes in your particular item. For example, I would never try and sell art at a pawn shop.

Instead I would look for a local art buyer. Other things that fall into this category would be clothes, books, video games, and music. There are likely stores, like Game Stop for video games, close to your house that will buy these.

Recycle – It’s Good For The Planet And Your Wallet

Recycling is technically selling your stuff, but it works in a different fashion. There are tons of things that you can recycle and get paid for, not just bottles and cans.

Any scrap metal that’s laying around, especially non-ferrous (non-magnetic) and stainless steel, can hook you up with a lot of cash.

Another thing to consider recycling would be any broken down cars that you might have and don’t plan on restoring.

There are now companies that will come and pick your ride up and give you cash in the same day.

Not using payday loans is an extremely smart idea. Using title loans with no car inspection is smart, too. You avoid a very expensive debt and having to deal with shark lenders.

Obviously, not all of the methods described above will apply to everyone, instead use them as a base to build your plan from. Also, learn how to get a title loan without a job.

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