I need money no matter how! Bernhard please help me, I desperately need money right now but my credit score is not good enough to get a loan from the bank! Which millionaires give away money or or can I somehow else get cash immediately?
I was myself years ago in a financial emergency situation. I needed money fast but banks had rejected all my credit requests. My experiences + solutions with which you can also get money quickly today.
Searching for a loan on the Internet proved to be very difficult at that time. And the requests I get today remind me of my financial situation at that time. "Bernhard, I need money immediately. How can I get money quickly? Can you please help me?".
In this article you will find my experiences, my failures and successes, what you can do if you need money fast. What I learned from this and how you too can now benefit and borrow money fast with access to my free resource page.
But here now to my story. My financial situation was very tight. I had a short-term financial shortage. My thoughts revolved solely around the one issue, "I need money, but who will lend me money when I need it fast?
I need money immediately
The best possibilities if you need money fast
Yes, under very specific circumstances, millionaires can lend money too. And getting money from private lenders couldn't have been much more difficult. Because the results of my loan inquiries at the local banks were very frustrating.
And searching & comparing dozens of loan offers on the internet was really tedious. How I still managed to get money fast, and which possibilities you have to get money today – I will explain in the next 5 minutes.
How can I get money quickly – today if possible?!
I knew I needed money immediately, and the loan requests at my local bank were simply rejected. Reason: I did not have a sufficient credit rating.
Granted, I had just moved to Munich and had no job to date. Local banks said you wouldn't reimburse me for a loan with no income. But that was exactly what was so "tricky" about my financial situation. I told the bank clerk straight to his face: "But please understand me, I need money today!". What was I supposed to do? Quickly hire a loan shark?
I explained my situation to every bank employee: "I need money urgently!" – but no one seemed to respond. I realized I had to try to get an online loan that did not require proof of income. But what alternatives are there?
"I need money right now", I thought to myself. The good news first! After all my efforts to find a solution online, I finally managed to get money quickly. Not only banks lend money – you can also borrow money from private lenders.
I need money without credit
Private Money Lending
A nevertheless very simple possibility around fast money to come to be able are friends or family members. If you have the opportunity to borrow money from friends at short notice, then I advise you to explain your financial situation openly and honestly.
Important to note is also the fact that your friend is actually a person of your trust. It is also recommended that you sign a credit agreement with your friend. So your friend also has a written security. Also it is advisable to explain that it is very important to you to keep the credit contract discrete.
My friends knew about my problem. I called all my friends and explained my financial situation: "I need money urgently", I said. And I remember where I sent a text message to my friends: Where can I get fast money? Does anyone know good possibilities? But unfortunately, feedbacks remained unfortunately from.
Do not lose heart. Because borrowing money from friends is not everyone's cup of tea either. Besides, it can happen to you in the same way as it happened to me. So what can you do if you have no family or friends who are able to lend you money?? It should be possible to get a loan from a private person, right??
I need money fast
Private lenders
The next possibility are private lenders who have specialized in lending money online. First I searched the Internet for classified ads.
I actually found what I was looking for very quickly. Ads like: "I lend money privately", or "Private loan without questions" have appeared in various money forums.
I have responded to some of these ads and contacted the providers. Unfortunately, my experience with them was not very good. Because in advance all providers had required upfront costs – and at the same time I had but no guarantee whether I would get money at all.
When you need money urgently you are under stress. And it can happen that you get involved in something that you might bitterly regret in the future. So it has already happened to me once, as I had ordered a cell phone on account.
I didn't want to pay any upfront costs and besides I found it very strange that none of the private financiers could give me an address and a name when I asked for it. If private lenders do not identify themselves, then I can only advise one thing: Hands off!
After painstaking research, I had nevertheless managed to find reputable private lenders via online platforms. You can also find them on my resources page.
Remarkable: Weeks later, after I had managed to borrow money online myself, those friends who needed money just as urgently asked me: "Tell Bernhard, how did you manage that?? How could you find the money after all the banks rejected you?? Can you help me? How to borrow money without a bank? I need money, like you. How do I get fast money today?"
If you also need money right now, please read further. There are other possibilities that I would like to explain to you.
Anyway, I had managed to find reputable online banks as well as private lenders from whom I could borrow cash immediately. So you can also immediately apply for a loan.
I need money immediately
Online banks
It became clear to me very quickly that online banks had different credit requirements than conventional banks. And to my astonishment, and also to my advantage, I found out that direct banks can also grant a loan without income.
This circumstance was very pleasing for me. But how is that even possible that you can borrow money without collateral?
Online banks will also run a credit check on your loan application. Moreover, even direct banks require collateral. But fortunately, these banks specialize in online loan requests and are much faster to process than traditional banks.
Co-applicant and guarantor
If you want to apply for a loan without collateral, there are usually two requirements to be met. Either the borrower can contribute a so-called co-applicant, or a guarantor.
Both the co-applicant and the guarantor, however, the creditworthiness is checked. It is important that in this case there is no negative entry in the Schufa.
Serious direct banks that can also provide credit offers in this case, you can also find in my free premium list. With registration of your email you get immediately access to my resources.
Help I need money
Credit card without Schufa query
The credit card is also for many people a good alternative in prospect if you need additional money. But has one exhausted the framework credit with the house bank and is also denied the application for a credit card – that then?
On the Internet you can find more and more advertisements with the title "credit card without Schufa". If you find such offers, however, you will find that they are usually so-called prepaid cards.
With prepaid credit cards, however, the money must be loaded onto the card in advance before you can use the card at all. A prepaid card is not a real alternative for most people looking for an online loan. But the good news beforehand.
There is actually a "real" credit card without Schufa query that is offered from abroad. The private credit card company does not actually cooperate with the Schufa. And from this it follows that the credit card can be applied for without a Schufa query.
But this does not mean that no credit check will be performed. D.h. thus also with the credit card from the foreign country the credit-worthiness of the applicant is examined – however without the Schufa data to consider.
The foreign providers refer to their own credit rating to carry out. This is an advantage for people with a low Schufa score, which is not taken into account by these providers.
However, providers from abroad charge costs for checking creditworthiness. These costs are to be paid in advance and there is no promise in advance whether the credit card is granted or not.
The disadvantage is therefore obvious. If the credit check is negative, then the risk premium can not be reclaimed. The paid costs are lost.
The credit card without Schufa is issued with a credit amount of €7500,-. The upfront costs are usually €100,-. You must be able to assess for yourself whether you want to do this or not.
The credit card provider from abroad can also be found on my resources page.
I have debts and need money
Deposit credit
If you need money urgently, then the pawn credit is one of the fastest and easiest ways to quickly get money. Similar when someone lends money against a promissory bill.
Prerequisite: You are at least 18 years old and you are in possession of immovable valuables that you can bring in for the pledge. Among other things, the electronic equipment (computers, cell phones, etc.) will be checked.), musical instruments, jewelry, watches, coins, weapons, cars, etc.
The advantages of the pawn credit are as follows:
- There is no credit check
- No Schufa query is carried out with it
- Through the pawn credit you can get cash immediately
- No further collateral is required
- The contribution of a co-applicant or guarantor is not necessary
- By strict legal regulations one is protected as a pawnbroker against interest usury
It is advisable to have an object of value appraised by at least two different pawnshops. Ratings and credit amounts will be different. As a rule, between 25-70% of the sales value is paid out as a cash loan.
If an agreement is reached, then a pledge is issued to the pledger. This is the actual contract, which usually gives the pledger his pledge to redeem within 3 months.
A complete list of all reputable pawnshops in Germany and Austria can also be downloaded for free from my resources page.
Get money fast
If you want to get money fast without credit and without borrowing money, then I recommend you to read my post where I show 29 ways how you can get money fast.
Organizations that give away money
For very special exceptional cases there are also donation organizations which can give away money under certain conditions. Aid organizations for people in distress and special needs.
If you need money urgently, then you think first of all of an immediate loan. Nevertheless, one should also consider the possibility of being able to earn money relatively quickly. Read more in my article about the best 20 ways to make money fast!
Tips when you need urgent money
"Bernhard, I really need money, but no one can help me!" I receive these messages more and more often. And believe me, I know what you are talking about.
Important considerations
If you need money immediately then you should honestly think about what you want to use the money for. Consider whether your desired purchase is really necessary.
Do you need the money for a luxury item or for a basic purchase that is really necessary?.
Before you take out a loan, you should always think carefully about whether it is necessary at all. If possible you should not incur debt and avoid over-indebtedness at all costs.
I recommend you also to read my ideas and suggestions how you can get a step further as a minimalist to achieve your personal financial independence.
Always remember that being a frugalist can help you achieve financial freedom easier than you think. If you have lasting money problems, try to get professional help. Also, if you are having financial problems, turn to trusted friends and family members and talk about your money worries.
How much money do I need to live?
Each of us has a completely different life situation. And each of us also has a different idea of lifestyle. Personally, yes I need a lot of money. Often much too much, and this is something you have to estimate honestly for yourself.
So how much money you need to live on depends heavily on the following two things.
One lifestyle that has always been very interesting to me is living as a frugalist. Because how much money do you actually need to live on if you know how to save money? And especially how to save money.
In this context I also recommend you to read my post how you can also live simply and happily as a frugalist. If you need less money, then in turn you also gain more freedom in life.
How much money will I need in retirement?
Your personal life situation determines how much money you will need in old age. The most important conditions to determine how much money you need in old age.
- Living situation
- Living space
- Inflation – Demonetization
- Health / Medication
- Lifestyle
So, how much money do I need per month. Here are the individual points explained in a little more detail, why these points should be taken into account if you want to make a probability calculation of how much money you will need in old age.
How much money do I need as a retiree?
How much money do I need to retire at 50?
Living situation
Your life situation plays an important role in determining how much money you will need in your old age. The following points can be calculated for your personal life situation to determine how much money you will need in old age.
- Single, married or partner
- Sole breadwinner
- Pension
- Living space
- Health status
- Lifestyle
Your housing
If you own your own home, you will need less money in your old age than someone who has to pay a monthly rent for their home. This is also true if you still have debts on your house or apartment. Housing is one of the most important factors that will determine how much money you will need in your old age.
Inflation
The money becomes every year automatically less value. Or to put it even better. The money loses value and one speaks here of money devaluation. In 2021 we had a very high inflation worldwide due to the COVID crisis. On average you can always expect 2% inflation per year. This percentage you can then easily include in your calculations how much money you need in old age.
Health
It is not really possible to see with a crystal ball into the future and predict your health. Nevertheless. A big financial influence on how much money you will need in old age depends also on your health. We all know. Health care is and remains not umsont.
Lifestyle
Your personal lifestyle determines how much money you will need in old age. Some people live on one big foot. Have made all possible purchases. Purchases that also constantly cause costs. But not only that. So some people plan to travel and see the world in retirement.
Often this dream in old age to enjoy life and conquer the world also remains a dream. Why? Either you don't have the necessary financial means in old age, or you don't have the physical strength to do that anymore. For this reason I recommend every person to think about my personal lifestyle.
I do not believe only in songenannten mini pensions. I also live this. What I mean by that. You should also allow yourself time off in life and do what you would like to do before you lie on your deathbed one day and regret it. Never forget. Life is unique. Each of us has only one ticket. And no one can buy time. No Bill Gates, and no Elon Musk.
I have debts and need money
If you have debts and need additional money, then this financial situation in which you find yourself is nothing out of the ordinary. In most cases it is the case that you already have debts but cannot manage with your money.
The problem that there is to solve is obvious. If you march to your bank and give the bank employee the statement: "I have debts and need money", then this will not be enough in most cases.
Banks usually do not want explanations why you have debts. Financial institutions don't care in the least why you got into a financial predicament.
I need money urgently who can help me?
- rieder-enterprises.com
- Donation organizations that give away money
- Friends and family
- Credit institutions
With banks and conventional money institutions only one thing counts. Do you have the necessary creditworthiness, do you have an income or any other collateral to get a loan?? And the question whether your Schufa score is sufficient. End of the story.
Credit transactions or money transactions are generally quite inhumane and heartless. If you see advertisements of credit institutions with happy and smiling faces and you are sold the message how heart-touching a bank takes care of your financial security, then this is nothing else than a cheap advertisement.
But you can just as well believe in the Christ Child or St. Nicholas who will come down your chimney every year with a sack full of money. Money transactions are heartless. This has always bothered me extremely in all money transactions. So what can you do to change that?
Self is the man or. Even it the woman. Here is a short step by step overview what you can do if you have debts and you need money.
- Keep calm
- Avoid any "rip-off" of dubious classified ads
- Don't trust cheap ads on the Internet
- NEVER pay any upfront costs (exceptions exist, see explanation here)
- Stay realistic and act emotionless
- Check out my article with a list of ways you can get money fast
- Take into account how you can get money even without credit
- If possible, try not to incur any more debt
- Avoid excessive debt at all costs
I need more money
Have you come to the clear realization that you need more money, then you are already often ahead of many other people in thinking. Because becoming aware and knowing that you need more money to live than you currently earn, this realization alone will save you from over-indebtedness.
Of course, this realization is also followed by the fact that you have to do something for it. Action. Bernhard, Bernhard Bernhard.. I need more money but I just don't know how to get more money fast?
I cover this topic in great detail in other posts where you can learn more about how to make more money in the long run too. Which options work best in practice. Different methods explained and different possibilities explained in detail with practical examples.
I need a car and I have no money
I know this situation only too well. And also many of my friends were facing this same question. Here is one right away. Please think 100 times if you really need a car if you have no money for it.
Why do you need a car? Is it because you absolutely need it for the way to your work? Is there really no public transport you could use??
The purpose of purchase is probably the most important factor. Do you need a car to get to work every day, then that is a perfectly acceptable reason. Or do you need a car because you want to get money every day as an Uber driver quickly, then that is also a good reason.
All other reasons seem hardly justifiable here. Know that a vehicle will cost you a considerable amount of money. Insurance, repairs, wear and tear, tires, gasoline, etc. The cost of using a car is considerable and very often exceeds the financial affordability of many households.
I need money fast without credit
"Bernhard, I need money immediately without credit. Please help me!". If you can't get a loan from a conventional bank then I recommend you to read my post on how you can get money quickly without a loan.
There you will find a list of practical examples. In addition I explain not only you with different methods fast money to come can, but I hold also which possibilities work in practice most simply and fastest.
And finally a few proverbs with money:
- Money rules the world
- Time is money
- Money alone does not make you happy, but it calms you down
- Money does not stink
- Nobility virtue art are without money umsunst
- This one is on the dog
- The last shirt has no pockets