1. Checking account

2. Savings accounts

3. Credit cards

4. Combining several credit or debit cards

5. Emergency credit cards (you know, the one you’re saving for when you REALLY need something)

6. Credit card offers

7. PayPal balance (there can be leftover money hiding there!)

8. Credit limit increase (call up your bank, you might be surprised at what they are willing to extend)

9. Registered savings or retirement accounts (401K, IRA, TFSA, RRSP)

10. Title loan on car

11. Home equity loan

12. Selling unused stuff on FB Marketplace or Ebay (the average American has over $3K of stuff they can sell that they don’t REALLY need). We had one client who sold her Peloton machine and her wedding ring…and she loves her husband! (She told us later it was “the best decision she ever made”)

13. Call in debts from people who owe you

14. A friend or family member who will invest in you (and it’s encouraged to pay them back with interest, most people are very happy if they can earn 10% annual interest on an investment)

15. Crowdfunding (start a GoFundMe!)

16. Rent out or Airbnb a room in your house

17. Extra work to earn more money

18. Cut expenses to save more money

American Specific Options

1. New American Express (you can use instantly, and they normally even give you a cash back sign up bonus!)

2. PayPal Credit: Application Link (also instant decision on approval)

3. New credit cards (check out NerdWallet, where you can search for available credit cards based on your credit rating, Chase Slate is also good if your credit is imperfect)

4. Personal loans: Zippyloan, Upgrade, Upstart, CashNetUSA, and CreditKarma

5. Peer to peer lending – Sofi, Prosper, and Lending Club

6. Business loans (for those who have or will have a small business) – Bluevine, Sprout Financial, Kabbage, FastCapital360, Fundbox, LendingTree, Accion

7. Business grants (for those who have or will have a small business) – check out EfundingNow and USAFundingApplications

8. Ask us about our 3rd party funding option that works specifically with our clients with low credit scores (as low as 620)

Canadian Specific Options

1. Personal loans: Fairstone, EasyFinancial, Mogo, CashMoney, Money Mart, Loans Canada

UK Specific Options

1. Personal loans with low interest rates: Sainsbury Bank, AA loans, Post Office

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Wondering what’s available where you are specifically? Lots! Get resourceful and find out!