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“I Need Money Now”: Sending an Request to a Direct Lender Online

Life is full of surprises. Not all of them are pleasant, though.

In modern realities, you can hear more and more people saying “I need to borrow money.” The question is where they can do it. Fortunately, the market is full of private lenders who help private and corporate customers fill even the biggest financial holes. HartLoan has successfully processed hundreds or even thousands of loan applications. If you experience the same need for financial support, feel free to head for an online loan.

You can find some useful information about online lending services below. It will help you leave all your doubts behind.

Urgent Need for Money

When you send an “I need money urgently” request to a funding company, it means that you are experiencing an emergency. You can refer to your bank for financial support, but it might take more time and effort to get approval. Referring to a funding company seems like a more reasonable solution. You don’t have to go through a tiresome application procedure. Regardless of your credit past, you have equal chances of getting approval.

The average size of online loans ranges from $100 to $1,000. Some funders set wider limits. So, if you need $5,000 to pay an urgent bill or make an urgent purchase, you need to find a lender that has this kind of loan offer. Make sure to check out the terms and conditions before giving your consent. If you miss something, you won’t be able to change anything later on.

Definition of Quick Online Funding

A fast loan issued upon your “I need money” request is an amount of money required to cover your current need. Whether it comes to home or car repairs, sudden medical bill, tuitions fee, urgent purchase, or any other emergency, you will be able to handle it by taking out money from a private funding company. There are many of them on the market. Among multiple loan offers, you will be able to choose the one with the most adequate policies.

Depending on the required sum of money, repayment period, and credit background, the loan offer can be secured or unsecured. This is something you will discuss with the selected funder before submitting an online loan.

Benefits of Quick Online Funding

When you send an “I need help with money” request at Hart Loan, you should be ready for everything. Quick cash offers a bunch of benefits:

  • Simple application - Many “I need money right now” loans offer a quick and easy application process. Getting quick cash usually takes a couple of minutes. So, you don’t even need to leave the comfort of your home.
  • Fast decision - Loan approval or rejection comes within several hours. If you have a shady credit past, a credit check may last longer than usual.
  • Direct deposit – Upon approval, the requested sum of money will be transferred to your bank account in several minutes. Make sure that you are familiar with the repayment scheme beforehand. This will help you avoid any inconveniences.
  • No accent on credit background – Funding companies have different approaches to approved quick cash. Most of them don’t focus on credit history as the only factor that matters. It means that you can get quick cash even if your credit background is poor.

Applying for Online Funding Here and Now

You can borrow money by taking out an “I need money now” loan from As long as you prove your eligibility, you can get the required amount of money. You just need to go through a standard procedure:

  • Complete an online form by specifying some personal details.
  • Attach the necessary documents to an online form (proof of income, copy of ID card, etc.).
  • Go through a heavy or soft credit check conducted by the selected funder.
  • Wait for a funder’s decision on your application.
  • Read through the policies offered by the selected funder upon approval.
  • Put an electronic signature on an online agreement.
  • Get the requested amount of funds to your bank account.

Overall, the entire procedure takes up to one business day. If you are lucky enough, you will be done with everything within several hours.

In rare cases, you need to provide some additional documentation. This happens to bad or no credit score holders. Due to high risks, the selected funder needs you to prove your creditworthiness.

You are not obligated to accept the very first loan offer you receive. The feeling of “I need money desperately” shouldn’t confuse you. It makes sense to carefully consider all your options so you can make the right choice for your unique financial situation.

The mission of HartLoan is to help you with your financial troubles without challenging your financial background. Quick cash to your bank account is mainly known as APR. This means that cash can be processed within a shorter period of time. You just need to complete an online request form by entering the required personal and financial details. Once your loan request gets confirmed, you can get money into your balance within 24 hours.

Alternatives to Quick Online Funding

If sending an “I need money fast” request doesn’t seem to be right for you, you have a lot of available alternatives. Some of them are more reasonable than others.

  • Sell Stuff – If you have personal stuff that you don’t use anymore, you can sell it to someone who might need it. These can be books, clothes, electronics, accessories, and so on. You can try to sell your stuff online or organize a garage sale. You may be surprised to find that others will like the items that are useless to you.
  • House/Pet/Babysitting – Many people are looking for personal assistants who would take care of their children or pets. You can register on a site like to post your offer there. Someone might need a housekeeper to clean his/her home. This kind of service is well-paid, which happens to be a good solution to your financial problems.
  • Freelance – If you are good at writing, web design, editing, social media marketing, or other activities, you can try to earn money on it. There are a lot of platforms like and that offers a job to freelancers.
  • Delivery services- Food delivery has become popular in recent years, so make sure to use it to your benefit. You can make a profit quickly by delivering restaurant orders to private and corporate customers.
  • Share your home - If you have a spare bedroom in your flat you can rent it out to third parties. Such websites like Airbnb allow you to post your advertisements. Whether you rent your bedroom to students or tourists, you can earn good money in a short period of time.
  • Find a part-time job – If you are a student, you can find a part-time job to cover your basic needs or address your emergencies. This doesn’t need to be a qualified type of work. Working as a waiter or a seller will be enough for you to cover a debt. It can be a good way to make consistent profits, even if it takes up to a month to get your first paycheck.

As you can see, the variety of alternative options is immense. You can find just some of the above. If you want to send an “I need money now with bad credit” request, you should consider all the options.


What to do if I need money now?

You can check out the loan offers provided by private lenders. Depending on your needs and expectations, you can find the one that is the most suitable for you.

Can I borrow money if I am unemployed?

Yes, you can. But it will be harder to do. A funder will want you to prove your financial capabilities to cover debt on time. Ideally, you demonstrate your unemployment status, source of income, or bank deposit.

Which loan is best for bad credit holders?

Bad credit holders can access a lot of loans. Most of them are offered under drastic conditions. But they can still find a few reasonable options, like installment and personal loans. Despite relatively high interests, you can establish a repayment scheme that would be convenient for you.

Can I get fast funding online?

Yes, you can. On the Internet, you can find a lot of online direct lenders that offer funding services to private and corporate customers. Depending on the selected type of loan, you can get money within a convenient period of time.

Where can I get fast funds?

Most financial institutions provide fast funding services. Banks and credit unions have strict policies to fast loan applicants. Meanwhile, online funders have more adequate policies. They offer fast funds under different terms and conditions. Among multiple loan offers, you can choose the most attractive one.