Skip to navigationSkip to main content':"";if(a){var r=n.promos.showYahooLogo?"":"yns-no-logo";a=a.replace("{notifOnboardBtnLabel}",n.promos.notifOnboardBtnLabel).replace("{notifOnboardMsg}",n.promos.notifOnboardMsg).replace("{subscriptionTopic}",n.promos.subscriptionTopic).replace("{noLogoClass}",r).replace("{promoLogo}",n.promos.promoLogo)}var s=t.newCount>n.panel.maxCount?t.newCount:"",c=n.panel.notificationCenterPath,l=c?"":P,u=n.panel.headerMsg?"":" "+P,d=c?R:"",p=void 0;t.count?p=t.markup:p='{emptyPanelMsg}'.replace("{emptyPanelMsg}",n.panel.emptyPanelMsg);return e=e.replace("{notifMarkup}",p).replace("{promoMarkup}",a).replace("{hideClass}",l).replace("{notifCenterLink}",c).replace("{paddingClass}",d).replace("{headerMsg}",n.panel.headerMsg).replace("{hideHeaderClass}",u).replace(/{notificationCenterNavMsg}/g,n.panel.notificationCenterNavMsg).replace(/{newCount}/g,s)}},{key:"render",value:function(e,t){var n=this;if(n._panelNode){var o=void 0,i=n._panelNode,a=void 0,r=void 0;switch(e){case"expanded_panel":o='{promoMarkup}{notifMarkup}',r=n._store.getNotifications(),a=n._generatePanelMarkup(o,r),i.innerHTML=a;break;case"error_panel":a=(o='{errorMsg}').replace("{errorMsg}",n._config.panel.errorMsg),i.innerHTML=a}t&&t()}else t&&t(new Error("No panel parent"))}},{key:"createPanelParentNode",value:function(e){e&&(e.innerHTML='',this._panelNode=document.getElementById(D))}},{key:"updateBadgeNode",value:function(e){if(e){var t=this._store.getNotifications().newCount,n=this._config.badge.maxCount;if(t){var o=t>n?n+"+":t;e.innerHTML=o}else e.innerHTML=""}}},{key:"addStyles",value:function(e){if(e&&"undefined"!=typeof window){var t=document.getElementById(this._config.panel.styleTagId);t||((t=document.createElement("style")).type="text/css",t.id=this._config.panel.styleTagId,t.innerText=e,document.head.appendChild(t))}}}]),e}(),U=function(){function e(t,n,o){L(this,e);var i=this;i._store=n,i._view=o,i._config=t;var a=i._config.panel;i._panelParentNode=document.querySelector(a.parentSelector),i._badgeNode=i._config.badge.selector&&document.querySelector(i._config.badge.selector),i._indicatorNode=a.indicatorSelector&&document.querySelector(a.indicatorSelector)}return E(e,[{key:"createPanelParentNode",value:function(){this._view.createPanelParentNode(this._panelParentNode),this._notifPanelNode=document.getElementById(D)}},{key:"refreshPanelNode",value:function(e,t){var n=this;A(n._notifPanelNode,B),n._store.fetchNotifications(e,(function(e,o){var i=window.wafer&&window.wafer.base;i&&i.destroy(n._notifPanelNode),e?n._notifPanelNode.innerHTML||(n._view.render("error_panel"),A(n._notifPanelNode,B)):(n._view.render("expanded_panel"),n._view.updateBadgeNode(n._badgeNode),n._showBadge(),n._showIndicator(),n._view.addStyles(o.css)),M(n._notifPanelNode,B),i&&i.sync(n._notifPanelNode.parentNode),t&&t(e,o)}))}},{key:"resetBadge",value:function(){var e=this;e._store.resetNewCount(),e._view.updateBadgeNode(e._badgeNode),A(e._badgeNode,e._config.badge.hideClass)}},{key:"_showIndicator",value:function(){this._indicatorNode&&(this._store.getNotifications().newCount?A(this._indicatorNode,this._config.panel.indicatorClass):M(this._indicatorNode,this._config.panel.indicatorClass))}},{key:"_showBadge",value:function(){var e=this;e._store.getNotifications().newCount?M(e._badgeNode,e._config.badge.hideClass):A(e._badgeNode,e._config.badge.hideClass)}}]),e}(),j={promos:{eligibleBodyClass:"display-push-promos",enableNotifOnboard:!0,bypassEligibleClassCheck:!1,notifOnboardBtnLabel:"Notify Me",notifOnboardMsg:"Get alerts for breaking news and top stories",promoLogo:"https://s.yimg.com/cv/apiv2/ae/news/circle_bell.png",showYahooLogo:!0,subscriptionTopic:"gondor_homerun_news"},badge:{hideClass:"",maxCount:5,selector:""},panel:{emptyPanelMsg:"You have no new 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t}},{key:"_validateRequiredConfigs",value:function(){var e=this.config;return!(!e.panel.parentSelector||!e.service.url)}},{key:"_assignHelperMethods",value:function(){var e=this;e.helpers={refreshPanelNode:e._panelController.refreshPanelNode.bind(e._panelController),resetBadge:e._panelController.resetBadge.bind(e._panelController),resetIndicator:function(){M(e._panelController._indicatorNode,e.config.panel.indicatorClass)}}}}]),e}()},F="lnct",z=function(){function e(){var e,t;this.personalized=!1,this.ybarElem=document.getElementById("ybar"),this.partnerClasses=null===(t=null===(e=this.ybarElem)||void 0===e?void 0:e.className)||void 0===t?void 0:t.match(/ybar-variant-([a-z]*)/),this.client=new Y.NotificationClient(this.getConfig())}return e.prototype.refreshPanel=function(){var e,t,n,o=this,i={lastUpdate:this.getTimeStamp()||this.setTimeStamp(),loadInHpViewer:!0,includePersonalized:this.personalized},a=(null===(e=window.YAHOO)||void 0===e?void 0:e.context)||(null===(t=window.Af)||void 0===t?void 0:t.context)||{};return a.region&&a.lang&&(i.lang=a.lang,i.region=a.region),(null===(n=this.partnerClasses)||void 0===n?void 0:n.length)&&(i.partner=this.partnerClasses[1]),new Promise((function(e,t){o.client.helpers.refreshPanelNode({matrixParams:i},(function(n,o){n&&(c("Notification refresh error:",n),t(n)),e(o)}))}))},e.prototype.resetBadge=function(){this.client.helpers.resetBadge(),this.setTimeStamp()},e.prototype.getConfig=function(){var e,t,n,o,i,a=document.getElementById("notification-container"),r=null===(e=null==a?void 0:a.dataset)||void 0===e?void 0:e.config;if(I&&!r)return I;var s={promos:{eligibleBodyClass:"display-push-promos",enableNotifOnboard:!0},badge:{selector:"#notif-badge",hideClass:"ybar-notification-hidden"},panel:{emptyPanelMsg:"You have no new notifications.",errorMsg:"Please check back 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Date).getTime()/1e3);return null===(e=window.localStorage)||void 0===e||e.setItem(F,t),t},e}(),W=new z,G=function(){return W},K="",J=[],V=function(){},$=function(){window.removeEventListener("beforeunload",$),""!==K&&c("Rapid not found on page",new Error(K))},X=null,Z=function(){return null===X&&(X=document.getElementById("ybar")),X},Q=function(){var e=0,t=window.YAHOO;if(q)return q;if(t)if(t.i13n)if(t.i13n.__RAPID_INSTANCES__)if(t.i13n.__RAPID_INSTANCES__.length0)for(var n=0;n0){if(q.addModules(i,!1,o),J.length>0)for(e=0;e40959)&&(i19903)&&(i55215))return!1}return!0},fe={navBeaconFired:!1},ve=["ready","navigation"],ye=function(){function e(e){var t=this;this.triggerEvent=r,this.addEventListener=s,this.logError=c,this.logPerformance=l,this.getConfig=u,this.getPerformanceMetrics=d,this.rapidRefresh=te,this.state=m({},fe),this.modules=e,this.userEmail="",window.YBAR&&(ve.forEach((function(e){var n="on".concat(e),o=window.YBAR[n];o&&(t[n]=o)})),window.YBAR.wssid&&(this.wssid=window.YBAR.wssid),window.YBAR.appid&&(this.appid=window.YBAR.appid)),ve.forEach((function(e){var n="on".concat(e);s(e,(function(){for(var o,i=[],a=0;a0,o=_.scrollTope.pageOffset,a=_.scrollTop>E+h,r=_.scrollTop0){if(o&&i){var n=t>99;o.classList.add("".concat(St)),i.classList.add("count-loaded"),o.textContent=n?"99+":t+"",n?o.classList.add("".concat(kt)):t>=10&&o.classList.add("".concat(Ct))}e.onDestroy((function(){o&&(o.textContent="")}))}})).catch((function(){}))}(e,s)}));var Ht="_yb_1e46uhr",Ut=function(e,t){var n;t.logoImages&&(n=t.logoImages).length>0&&Array.prototype.forEach.call(n,(function(e){e.onerror=function(){e.onerror=null,e.style.display="none"}})),t.wrapper&&(function(e,t){e&&(Ae("#ybar-logo","#ybar-logo",t),t.onDestroy((function(){e.classList.remove("ybar-show-outline"),e.classList.remove("ybar-hide-outline")})))}(t.wrapper,e),function(e,t){t&&e.addElementListener(t,"click",(function(){e.triggerEvent("logo-click")}))}(e,t.wrapper))};be("ybar-mod-logo",(function(e){var t={wrapper:document.getElementById("ybar-logo"),logoImages:document.querySelectorAll(".".concat(Ht))};Ut(e,t)}));var jt={"dropdown-open":"_yb_1qr55t8","merchant-is-selected":"_yb_hpfgev",overlay:"_yb_1t4opbo","selected-merchant-clear-button":"_yb_sdzekv","shops-buttons":"_yb_1gmhi8h","styled-select":"_yb_1fed2vs",tooltip:"_yb_156j5sr","tooltip--show":"_yb_t94u7s",tooltip__text:"_yb_149d3c6",tooltip__voice:"_yb_rkldcd",tooltip__web:"_yb_1bze76z",dark:"_yb_of9a42",darker:"_yb_1br2rz9",light:"_yb_p0373k","search-border-gradient":"_yb_109k2ga","search-border-gradient-hover":"_yb_vljmzl",midnight60:"_yb_1o792pg","search-input-uh3-hover":"_yb_15ox84z","search-input-uh3-focus-visible":"_yb_1e6541m","sa-btn-bar":"_yb_1axm66t","searchbox-icon-uh3":"_yb_1uef33k",empty:"_yb_owcm9n"},Yt=function(e,t){var n=Math.max(e,t),o=Math.min(e,t),i=Math.abs(n-o);return h([],y(new Array(i+1)),!1).map((function(e,t){return o+t}))},Ft=function(e,t,n){var o=e.getConfig().bucketConfig,i=(void 0===o?{}:o).enable_search_ui,a=void 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n=e.getConfig();"smartphone"===n.device&&("finance"===n.property&&"crunch"===n.ytheme&&e.addElementListener(t.searchInput,"click",(function(){var n,o;n="search_input_focus_click",null!==(o=ae())&&(ne[n]||(ne[n]=o)),e.addElementListener(t.searchForm,"click",(function(){if(t.ybar){if(t.ybar.classList.contains("ybar-searchbox-assist-fullscreen"))return;t.ybar.classList.add("ybar-searchbox-assist-fullscreen"),t.ybar.classList.add("ybar-searchbox-assist-fadein")}if(!document.documentElement.classList.contains("ybar-overlay")){document.documentElement.classList.toggle("ybar-overlay"),document.body.classList.add("ybar-overlay-noscroll");ee("ybar","websrch","",{elm:"expand",subsec:"searchbox",itc:"1"})}}))})),e.addElementListener(t.searchBoxPlaceholder,"click",(function(){Ft(e,t)})),e.addElementListener(t.searchBoxPlaceholder,"keydown",(function(n){var o=n,i=o.keyCode,a=o.key,r=Yt(65,90),s=h(h([],y(Yt(58,57)),!1),y(Yt(96,105)),!1),c=h(h([],y(r),!1),y(s),!1).includes(i);(32===i||13===i||c)&&(n.preventDefault(),n.stopPropagation(),Ft(e,t,c?a:""))})),t.searchBoxBackButton&&(e.addElementListener(t.searchBoxBackButton,"click",(function(e){e.stopPropagation(),window.YAHOO&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&(window.YAHOO.SA.apps[0].view.resetQuery(),window.YAHOO.SA.apps[0].view.hide()),zt(t);ee("ybar","back-close-srch","",{elm:"btn",subsec:"searchbox",itc:"1"})})),e.addElementListener(t.searchInput,"keyup",(function(e){e.stopPropagation();27===e.keyCode&&(e.stopPropagation(),zt(t))}))),e.addEventListener("viewerClosed",(function(){zt(t)})),e.onDestroy((function(){zt(t)})))},Gt=function(){function e(e,t,n){t&&(this.ybar=e,this.elem=t,this.options=n,this.show=this.show.bind(this),this.hide=this.hide.bind(this),this.addEventListeners())}return Object.defineProperty(e.prototype,"tooltip",{get:function(){var e=this;return this.tooltipMarkup||(this.tooltipMarkup=this.createTooltip(),(this.options.tooltipParentElm||this.elem).appendChild(this.tooltipMarkup),this.ybar.onDestroy((function(){var t,n;null===(n=null===(t=e.tooltipMarkup)||void 0===t?void 0:t.parentNode)||void 0===n||n.removeChild(e.tooltipMarkup)}))),this.tooltipMarkup},enumerable:!1,configurable:!0}),e.prototype.show=function(){this.tooltip.classList.add(this.options.showClass)},e.prototype.hide=function(){this.tooltip.classList.remove(this.options.showClass)},e.prototype.addEventListeners=function(){this.ybar.addElementListener(this.elem,"mouseenter",this.show),this.ybar.addElementListener(this.elem,"focus",this.show),this.ybar.addElementListener(this.elem,"mouseleave",this.hide),this.ybar.addElementListener(this.elem,"blur",this.hide)},e.prototype.createTooltip=function(){var e=document.createElement("div");e.className=this.options.containerClass||"";var t=document.createElement("p");return t.textContent=this.options.label,t.className=this.options.textClass||"",e.appendChild(t),e},e}(),Kt={containerClass:jt.tooltip,textClass:jt.tooltip__text,showClass:jt["tooltip--show"]};be("ybar-mod-searchbox",(function(e){var t,n=e.getConfig(),o={ybar:document.getElementById("ybar"),searchInput:document.getElementById("ybar-sbq"),buttonBar:document.querySelector(".".concat(jt["sa-btn-bar"])),searchForm:document.getElementById("ybar-sf"),searchBoxIcon:document.querySelector(".".concat(jt["searchbox-icon-uh3"])),searchBoxPlaceholder:document.getElementById("ybar-smartphone-searchbox-placeholder"),searchBoxBackButton:document.getElementById("ybar-search-back-btn"),shopsButtonsWrap:document.querySelector(".".concat(jt["shops-buttons"])),categorySelect:document.getElementById("shops-category-select"),selectedMerchantInput:document.getElementById("selected-merchant-input"),selectedMerchantClearButton:document.querySelector(".".concat(jt["selected-merchant-clear-button"])),submitSearchBtn:document.getElementById("ybar-search"),clearSearchBtn:document.getElementById("ybar-sbq-x"),searchGradientBorder:document.querySelector(".".concat(jt["search-border-gradient"]))};if(function(e,t){var n,o,i,a=e.getConfig();if(t.ybar&&"desktop"===a.device&&(null===(n=a.bucketConfig)||void 0===n?void 0:n.highlight_searchassist)&&(null===(o=a.bucketConfig)||void 0===o?void 0:o.overlay_class)){t.ybar.setAttribute("data-ovrly-bkt",a.bucketConfig.overlay_class),null===(i=t.searchForm)||void 0===i||i.classList.add(jt[a.bucketConfig.overlay_class]);var r=document.createElement("div");r.classList.add(jt.overlay,jt[a.bucketConfig.overlay_class]),document.body.appendChild(r),e.onDestroy((function(){document.body.removeChild(r)})),e.addElementListener(t.searchForm,"focusout",(function(e){if(t.searchForm&&t.searchInput){var n=e.relatedTarget;n&&!t.searchForm.contains(n)&&window.YAHOO.SA&&window.YAHOO.SA.apps&&window.YAHOO.SA.apps[0]&&window.YAHOO.SA.apps[0].view.shown&&window.YAHOO.SA.apps[0].view.hide()}}))}}(e,o),Wt(e,o),o.searchGradientBorder){var i=!1;o.searchInput.addEventListener("keydown",(function(e){var t=e.code,n=e.key,a=t.startsWith("Key"),r=t.startsWith("Digit"),s=/^[!@#$%^&*()_+\-=[\]{};':"\\|,./?`~]$/.test(n);(a||r||s)&&!i&&(o.searchGradientBorder.classList.add("".concat(jt["search-border-gradient-hover"])),i=!0)})),e.addElementListener(o.searchForm,"mouseover",(function(){i||o.searchGradientBorder.classList.add("".concat(jt["search-border-gradient-hover"]))})),e.addElementListener(o.searchForm,"mouseout",(function(){i||o.searchGradientBorder.classList.remove("".concat(jt["search-border-gradient-hover"]))})),e.addElementListener(o.searchInput,"click",(function(){i=!0})),e.addElementListener(o.searchInput,"blur",(function(){o.searchGradientBorder.classList.remove("".concat(jt["search-border-gradient-hover"]))}))}o.searchForm&&(e.addElementListener(o.searchBoxIcon,"mouseover",(function(){o.searchForm.classList.add("".concat(jt["search-input-uh3-hover"]))})),e.addElementListener(o.searchBoxIcon,"mouseout",(function(){o.searchForm.classList.remove("".concat(jt["search-input-uh3-hover"]))})),e.addElementListener(o.buttonBar,"mouseover",(function(){o.searchForm.classList.add("".concat(jt["search-input-uh3-hover"]))})),e.addElementListener(o.buttonBar,"mouseout",(function(){o.searchForm.classList.remove("".concat(jt["search-input-uh3-hover"]))})),e.addElementListener(o.searchInput,"keyup",(function(e){"Tab"===e.key&&o.searchForm.classList.add("".concat(jt["search-input-uh3-focus-visible"])),o.searchInput.classList.toggle("".concat(jt.empty),""===o.searchInput.value)})),e.addElementListener(o.searchInput,"keydown",(function(){o.searchForm.classList.remove("".concat(jt["search-input-uh3-focus-visible"]))})),e.addElementListener(o.searchInput,"focusout",(function(){o.searchForm.classList.remove("".concat(jt["search-input-uh3-focus-visible"]))})),e.addElementListener(o.submitSearchBtn,"click",(function(e){""===o.searchInput.value.trim()&&e.preventDefault()})),e.addElementListener(o.clearSearchBtn,"click",(function(){o.searchInput.classList.add("".concat(jt.empty))}))),o.submitSearchBtn&&"crunch"===n.ytheme&&new Gt(e,o.submitSearchBtn,m(m({},Kt),{label:null!==(t=n.i18n.root.SEARCH_TOOLTIP_WEB)&&void 0!==t?t:"Search the web",containerClass:"".concat(jt.tooltip," ").concat(jt.tooltip__web),tooltipParentElm:o.clearSearchBtn.parentElement}))}));var Jt="_yb_tdk4ba",Vt="_yb_hkd17a",$t="_yb_rtzclf",Xt="_yb_tdbhj6",Zt="_yb_de52ef",Qt="_yb_9hwrey",en="_yb_slc8ta",tn="_yb_bf0svp",nn="_yb_hjic9z";be("ybar-mod-adaptivenav",(function(e){var t=document.querySelector("#ybar-l1-more-menu ul"),n={moreDropDown:document.querySelector(".".concat(Jt)),moreBtn:document.querySelector(".".concat(Vt)),wrap:document.querySelector(".".concat(Xt)),moreSectionTitle:document.querySelectorAll(".".concat(Zt)),editionsCtaBtn:document.querySelector(".".concat(Qt)),editionsMenu:document.querySelector(".".concat(en)),closeBtn:document.querySelector(".".concat(tn)),moreMenuDropDownHeight:t?"".concat(t.offsetHeight+48,"px"):"0"};new 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That may influence which products we write about, but it does not affect what we write about them. Here's an explanation of how we make money and our Advertiser Disclosure.KKat TretinaUpdated Wed, Jul 30, 2025 7 min readYou have a week until payday when your car's check engine light comes on, and your mechanic says the repair will cost hundreds. Without your car, you can't get to work, but without the cash on hand, you won't have money for rent or other essentials.If you're in a financial bind and need cash quickly, payday loans and personal loans are two options. With either loan type, you can get money as soon as the same day you apply, but they differ in terms of loan amounts, repayment terms, and interest rates. In this breakdown of payday loans vs. personal loans, you'll learn how these loans work so you can choose the right option for your situation.This embedded content is not available in your region.A personal loan is an installment loan from a bank, credit union, or online lender. The lender gives you a lump sum of cash, and you agree to repay it with interest in monthly installments. Typically, you repay the loan over a period of two to seven years.You can use a personal loan for a broad range of purposes, such as debt consolidation, medical expenses, car repairs, or home updates.Personal loans are unsecured, so there's no need for collateral. But, you usually need good to excellent credit to qualify for a loan.Lower interest rates: Personal loans typically have lower annual percentage rates (APRs) than payday loans. Depending on your credit, you could qualify for a loan with a rate of about 7.00% to 35.99%.Longer repayment terms: With a personal loan, you can repay the debt over years, giving you a more manageable monthly payment.Larger loan amounts: Personal loan lenders may allow you to borrow as much as $100,000, so you can cover major expenses or projects. If your roof starts leaking or your hot water heater breaks, a larger loan limit can come in handy.Credit requirements: With most personal loans, you'll need at least good credit to qualify for a loan. Otherwise, you may struggle to find a lender willing to approve your loan application.Higher loan minimum: Usually, personal loans require you to borrow at least $1,000. If you need a smaller amount for an emergency, you'll likely end up borrowing more than you need (and paying more in interest due to the larger loan amount).Disbursement: Although some lenders can disburse loan funds as soon as the same day you apply, many lenders will take longer; it can take one to five business days after loan approval to receive your loan funds. When you have a crisis and need cash right away, that delay can be frustrating.A payday loan is a small, short-term loan — typically, $500 or less. Designed to tide you over until your next paycheck, you receive a lump sum and repay it by the next payday (usually within two to four weeks).Though the amount you borrow may be small, payday loans are one of the most expensive forms of debt. They come from specialty lenders or storefront lenders, and you can qualify for a loan simply by providing a recent pay stub and bank account details. The lender may require you to give them a postdated check for the amount owed or authorize the lender to debit the agreed amount on the loan due date.Immediate loan funding: With a payday loan, you can receive the funds on the spot. When you need to pay for an emergency appliance repair or vet bill, the quick loan funding can be convenient.No credit check required: Payday loans don't require credit checks; a lender issues the loan based solely on your employment and paycheck. This means poor-credit applicants can qualify.Small sums available: When you need a smaller amount to cover an emergency, such as $200 or $300, a payday loan allows you to borrow only what you need.Expensive fees: Payday loans are high-interest loans and among the most expensive ways to borrow money. The fees for a typical payday loan are the equivalent of 400% APR.Short repayment windows: You usually have just two to four weeks to repay a payday loan in full, which can be challenging. If you can't afford to repay the loan, you may have the option of rolling it into a new loan, forcing you further into debt and interest fees.Strict repayment terms: Rather than making payments in installments, you usually repay the full loan amount at once. When money is tight, managing a single, large repayment can be challenging.Up nextHow to get a personal loan with bad creditCan you get a fast personal loan in an emergency?Although payday loans and personal loans are both tools to get money quickly, they have three major differences to consider:Payday loan fees work out to the equivalent of three-digit APRs. Personal loans — even those for borrowers with poor or fair credit — tend to have much lower rates.For example, with fees, it could cost $1,300 to repay a $1,000 payday loan with a 14-day term. If you're already tight on cash, coming up with that additional $300 can be incredibly hard.By contrast, if you took out a $1,000 personal loan with a two-year term at 15% APR, you'd repay just $1,164 — significantly less than the total for a payday loan, and you'd have two years to repay it with small monthly payments.Payday loans can give you the money you need immediately, in person. With personal loans, the approval and disbursement process can take several hours or even days.Payday loans generally have one repayment term: You repay the loan as a lump sum within two to four weeks. With personal loans, you make payments in monthly installments over several years, so the payments are relatively small and more manageable.A personal loan is a less expensive form of credit than a payday loan, but it's a good idea to avoid debt unless you have no other option. If you need money fast for an emergency expense — and you can't qualify for a personal loan — these alternatives may be a better option than payday loans:Emergency loans from a credit union: Some credit unions have payday alternative loans or emergency loans. These loans are for relatively small amounts — usually under $1,000 — with much lower interest rates and longer repayment terms than payday loans. And, they typically have more relaxed credit standards, so they're more accessible. Use the National Credit Union Administration's locator tool to find a credit union in your area.Employer cash advances: If you're currently employed, contact your payroll department and ask about a cash advance. You may be able to get some of your next paycheck early, without the added fees of a payday loan.Cash advance from your credit card: If you have a credit card, consider using a cash advance. Cash advances do have relatively high fees and interest rates; you'll typically pay a 3% to 5% fee to access the funds, plus an APR around 30%. Read your card's fine print to understand what you'll be charged, and pay back the advance as quickly as possible to limit the interest you're charged.Pay advance apps: Apps like Dave and Earnin allow you to get up to $500 without interest or fees; instead, they function similarly to employer cash advances, so you can borrow against your next paycheck.Sell unused items: Chances are, you have unused clothing, electronics, toys, books, or other items in your home. You can sell those items on Facebook Marketplace, Offerup, or by visiting a local pawn shop to get cash quickly.This article was edited by Alicia Hahn.