If You Must Borrow, Consider a Peer to Peer Option

If you have exhausted all your other options and you have absolutely decided that a loan is your best option, avoid high interest credit card advances and payday loans at all costs. These choices are used only by the poor, desperate and ignorant. In contrast, peer to peer lenders like Prosper. com and Lending Club. com have become increasingly popular because they offer loans to Joe and Jane average at modest interest rates. Of the two options, Lending Club is probably the strongest due its faster loan processing times and lower costs. If you are going to get a loan at Lending Club, feel free to use this link.

There are plenty of ways to find some extra money in a hurry. You may not be able to find all you need in one day, but you should be able to find some extra money without resorting to loan sharks.

(Photo courtesy of epSos. de)