Sometimes money is urgently needed, you have to think over various options. You can take a loan from a bank, ask friends, go to a pawnshop, search the Internet for online loan sites. Each of these methods has its own nuances.
Relatives and acquaintances
Close people will help you in a difficult moment for you. This option is good because the debt can be repaid without paying interest. Perhaps one person will not be able to give you the amount of money you need, but by contacting two or three acquaintances, you will collect the entire amount.
Bank
Another option is to take the necessary money from a bank, which is now willingly providing loans to citizens. But only if you have a good credit history. If your credit history is full of late payments, but you are not currently in debt, you can try to get a credit card with a small credit limit. The bank may consider that this time you will pay interest on time and issue the card. However, in this case, the interest rate may be somewhat overestimated. Thus, the bank insures possible risks.
IFIs
Microfinance organizations issue small amounts - from 1,000 to 50,000 thousand rubles (depending on the region). In addition to a good credit history, it is important to have a local residence permit, although for some MFIs, temporary registration is sufficient. However, the minus for applying to MFOs is high interest rates. If you nevertheless decide to use the money, you must remember that even one day of delay is fraught with a large fine and penalties. Therefore, be responsible.
In the Internet
Recently, an increasing number of sites have appeared on the network where you can give and borrow. Money is given willingly here, sometimes even in spite of a negative credit history. The place of registration and residence does not matter. It is enough to register on such a site and enter your data. A decision on a loan application is made very quickly, within a few minutes. If approved, you need to upload your scanned documents to the site. After that, the required amount is transferred to your account. In general, here you can borrow from 500 to 30,000 thousand rubles. The only drawback is that online loans have high interest rates, which can be even higher than in MFIs.
Pawnshop
You can borrow money from a pawnshop on the security of jewelry, household appliances or electronics. Interests here are moderate, but it is important to pay them on time and buy back your gold, TV or laptop, otherwise the values left on bail will go for sale. When giving products to a pawnshop, it should be understood that appraisers will check them, while small defects in the form of cuts or acid stains may remain on the jewelry. However, the jeweler will tidy up the jewelery when you buy them out.
