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Need Money Now? 14 Ways to Get Cash Fast

January 17, 2025

From time to time, everyone needs a little extra to tide them over till payday. It could be due to unexpected expenses, medical bills, or even the higher cost of living with inflation. It doesn’t matter why. Take a deep breath. There are plenty of ways to get your hands on some extra cash.  

We’ll cover 14 ways to get cash fast before payday.

How to get cash fast

1. Access your paycheck early

You can get your paycheck before payday by using a cash advance or paycheck advance app. These apps offer an easy way to cover unexpected expenses without needing traditional loans. Depending on the platforms, you borrow a portion of your earned wages – up to $500.

The process is straightforward: link your bank account, verify your employment or earnings, and request the desired amount. Most apps don’t charge interest, but some rely on optional tips or charge small membership fees. Funds are usually deposited within minutes or hours, making this a fast solution for financial emergencies.

While cash advance apps are helpful in an emergency, use them responsibly. Frequent borrowing can lead to dependency and strain your budget if you’re not careful.

2. Pawn something

Pawnshop loans are a quick way to get cash. Bring a valuable item – jewelry, electronics, or collectibles – to a pawnshop. They will appraise the item and offer a short-term loan based on its worth. 

Unlike traditional loans, pawnshop loans don’t require credit checks or a lengthy application process. Instead, they use your valuables as collateral. Repay the loan in full within the agreed time, and you get your item back. Otherwise, the pawnshop keeps it.

While convenient, these loans can carry high fees, so weigh the costs before deciding.

3. Ask for a loan from a family member or friend

Borrow from a loved one, and you’ll likely not pay interest or fees. While it can be quick and easy – no credit check, no application process – you should take the time to write up a loan agreement. State why you need the money and how you plan to repay it. Write up the due dates, if there will be any late fees, and what to do if you can’t pay on time. 

Being transparent about the loan terms and honest about your situation will help avoid straining the relationship. Be sure to communicate openly and honor your commitment.

4. Get a personal loan

Getting a personal loan the same day is possible, even with bad credit. Many lenders specialize in loans for borrowers with lower credit scores. Your best bet is to look into online lenders and credit unions. Both tend to put less emphasis on your credit score and consider other factors like your income and employment status.

While personal loans for bad credit typically come with higher APRs (annual percentage rates), they are still lower than payday or title loans. The repayment terms are often more flexible, making them a safer option. Loan amounts can range from a few hundred to several thousand dollars.

One trick is not to settle on a single lender. Send in multiple applications. The credit bureaus count multiple hard inquiries due to loan applications as one – if you apply within a 14-day period. Or you can try to prequalify. 

Once you receive your offers, compare lenders to find the best rates and terms. Look at the fees, interest rate, and repayment terms. Ensure the monthly payment fits your budget and you’ll get the cash when needed. 

Borrow responsibly, and you can improve your financial situation. Pay your loan on time, and you can turn this quick cash solution into a credit-building opportunity.

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5. Open a bank account with a bonus

Opening a bank account with a sign-up bonus can be a quick way to earn extra cash. Many online banks, neobanks, and even traditional banks provide bonuses for new customers who meet specific requirements. You may need to set up direct deposit or maintain a minimum balance to qualify. These bonuses can range from $50 to $300 or more, depending on the promotion.

If you’ve struggled with banking, consider second-chance bank accounts. These accounts are designed for individuals with poor banking histories and often have fewer fees and basic features. While this option may not offer instant cash, it’s a simple and proactive step toward building financial stability while earning a little extra.

6. Use a credit card cash advance

A credit card cash advance is a quick way to get cash if you’re in a pinch. Many credit cards allow you to withdraw money from an ATM or bank up to a certain limit. This option doesn’t require additional approval since it’s tied to your existing credit card account.

While convenient, cash advances come with high costs. Interest rates are typically higher than standard purchase rates, and most cards start charging interest immediately—there’s no grace period. Additionally, you’ll likely pay a cash advance fee, often around 3-5% of the amount withdrawn, and an ATM fee.

Before using this option, check your card’s terms to understand the fees and rates. A credit card cash advance can be helpful for emergencies. It’s best to use it sparingly and repay the balance quickly to avoid accumulating expensive debt.

7. Consolidate your debt

Debt consolidation can simplify your finances and free up cash by combining multiple debts into one. You can either take out a debt consolidation loan or transfer outstanding balances to a balance transfer credit card. Either way, you end up with a single monthly bill at a lower interest rate. Paying less interest will free up cash for other needs and make it easier to get out of debt.

A good credit score makes you more likely to qualify for a loan or balance transfer with favorable terms. Don’t be discouraged if you have bad credit. Many lenders specialize in debt consolidation loans for lower scores. 

Before proceeding, calculate whether the new loan’s terms, including interest and fees, will save you money. Be cautious about creating new debt during repayment, as this could negate the benefits. Overall, debt consolidation is an efficient way to get out of debt and save money.

8. Dip into your retirement account

If you have a 401(k), you can borrow from it to access quick cash. A 401(k) loan lets you withdraw funds for urgent needs. You borrow against your savings and repay yourself with interest. You have to repay on time, or you will face taxes and penalties.

Before tapping into your retirement account, consider the long-term impact. You will lose out on the interest you would have accrued and may have to pay penalties on your loan. Explore other solutions first to preserve your retirement nest egg.

9. Ask for forbearance on bills

If you’re struggling to make ends meet, consider asking for forbearance on your bills. Many utility companies, credit card issuers, and service providers offer temporary payment relief for customers facing financial hardships. Forbearance allows you to delay or reduce payments without penalties. You get a little breathing room to manage your finances.

To request forbearance, contact your provider and explain your situation. Be prepared to provide supporting documents, such as proof of income loss. While this doesn’t provide immediate cash, it can free up funds for other urgent expenses, helping you stay afloat during tough times.

10. Cut your insurance premiums

Reducing your insurance premiums can free up cash for immediate needs. Start by reviewing your policies for coverage you no longer need or could adjust. For example, raising your auto insurance deductible can lower your monthly payments. Bundling multiple policies, such as home and auto, with the same provider may also yield discounts.

Contact your insurer to discuss available options or shop around for better rates. Experts recommend shopping around every few months anyway. These small changes can create room in your budget for pressing expenses.

11. Sell something

Selling items you no longer need is a quick way to generate cash. Look around your home for valuables such as electronics, furniture, clothing, or collectibles that you can part with. Online platforms like eBay and Facebook Marketplace and apps like OfferUp and Poshmark make it easy to reach buyers quickly. Consider hosting a yard sale or taking items to a local consignment shop for faster results. Focus on high-demand items in good condition to maximize your earnings.

12. Consider a title loan

Car title loans provide quick cash by using your vehicle as collateral. They don’t require a credit check but do require that you own your vehicle. The loan amount is based on the value of your car, usually 25% to 50%. You receive a lump sum of cash the same day and retain the right to drive your car.

While title loans offer fast funding, they come with significant risks. Interest rates are often extremely high, think 300% APR. Failing to repay on time can result in the lender repossessing your vehicle. Additionally, loan terms are usually short, often 30 days, which makes them harder to repay in full.

If you’re considering a title loan, carefully evaluate your ability to repay within the timeframe. Explore other options, like personal loans for bad credit, that offer more manageable terms with lower risks.

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13. Sell your gift cards

Unused gift cards can be turned into cash quickly by selling them online or in person. Websites like CardCash, Raise, and Gift Card Granny allow you to sell unwanted gift cards for a percentage of their value, often up to 85-90%. Some platforms even offer instant payment options.

If you prefer a faster solution, check local kiosks or stores that buy gift cards on the spot, though these may offer slightly lower payouts. Selling gift cards is a hassle-free way to access extra cash and use cards you’re unlikely to spend.

14. Seek community grants and assistance

If you’re facing financial hardship, local community organizations and nonprofits may offer grants or assistance to help cover essential expenses. Programs often provide aid for housing, utilities, food, and medical bills. Start by contacting local charities, religious organizations, or your city’s social services department to explore available resources. Call 211 for specific guidance for your area.

Some programs, such as emergency rent or utility assistance, are explicitly designed for short-term needs. Government programs like SNAP or TANF can provide ongoing support. Seeking community assistance can be a lifeline during tough times, helping you cover immediate costs without taking on debt.

Tips to keep in mind if you need money today

Beware of predatory lenders

When you urgently need cash, it’s easy to fall prey to predatory lenders. These lenders often offer instant loans with easy approval but short repayment periods. The short repayment timeline, coupled with the fact that you have to pay the loan plus interest and fees in one lump sum, means that they are challenging to repay. Many borrowers end up trapped in cycles of debt. 

Watch out for loans with excessive fees, sky-high interest rates, or repayment terms that seem too good to be true. Always research the lender’s reputation and look for options like personal loans from reputable lenders or assistance programs. Avoiding predatory practices will protect your financial well-being in the long term.

Only borrow what you need

It’s tempting to borrow more than necessary when offered a larger amount. Don’t do it, as this can lead to unnecessary debt. Assess your situation and determine exactly how much money you need to cover your immediate expenses. Borrowing only what’s essential reduces the repayment burden and minimizes interest costs. Sticking to your actual financial needs ensures you can repay the loan comfortably and avoid further financial strain.

Read the terms and conditions carefully

Before agreeing to any loan, carefully review the terms and conditions. Pay attention to interest rates, fees, repayment timelines, and penalties for late payments. Understanding these details helps avoid surprises and ensures you can repay the money. If anything is unclear, ask questions or seek professional advice. Taking the time to read the fine print can save you from costly mistakes and ensure you’re making an informed decision.

Frequently asked questions

1. Can I get a credit card cash advance immediately?

You can take out a credit card cash advance immediately. Visit an ATM or bank to withdraw cash. While an instant solution, credit card cash advances come with high fees and interest rates that begin accruing immediately. Use this option sparingly and only for emergencies.

2. What are the fastest ways to get cash now?

The fastest ways to get cash include paycheck advance apps, credit card cash advances, or borrowing from friends and family. These options give you same-day cash without a credit check or application process.

3. What are the risks associated with payday loans?

Payday loans have incredibly high fees and short repayment terms. You must repay the loan plus fees in a lump sum, which is problematic. Many borrowers struggle to repay the money on time. They end up incurring additional penalties, rolling over the loan, or taking out a second loan to repay the first. In short, payday loans are expensive and lead to a cycle of debt.

Get the cash you need when you need it

Facing a financial emergency can be stressful, but there are many ways to quickly access the cash you need. Consider the options above, from selling items or community assistance to using cash advance apps or taking out a personal loan. The right solutions depend on your financial circumstances. 

Before you borrow money, make sure you can repay it as agreed. Always compare options and avoid predatory lenders that can worsen your financial health. With a bit of planning and informed choices, you can tackle urgent expenses while protecting your long-term finances. Remember, every challenge is temporary, and proactive steps today can lead to greater stability tomorrow.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.         Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.           Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.
2. Debit card: Fees may apply, including out of network cash withdrawal fees, third-party fees, cash load fees, inactivity fees, account closure fees, international transaction fees, replacement card fees, express mail fees and escheatment fees.                                                                                                                                                       Build Card: Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.
3. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.
4. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.
5. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.
6. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC.
7. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank.
8. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.
9. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Eligible Direct Deposits into your Current Account over the preceding 35-day period and fulfill other requirements subject to Current’s discretion. Negative balances must be repaid within 60 days of the first Eligible Transaction that caused the negative balance. For more information, please refer to Fee-free Overdraft Terms and Conditions. Individual Current Accounts only.
10. For eligible customers only. You may earn Points in connection with your Build Card purchases at retailers whose merchant code is classified as: Dining (e.g., restaurants) and Groceries (e.g., supermarkets) and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. Points will expire 365 days after they settle. For more information (including specific eligibility criteria), please refer to the Current Points Terms and Condition.
11. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.
12. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. No minimum balance required. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. To earn a Boost rate of 4.00%, the sum of your Eligible Payroll Deposits over a rolling 35-day period must be $500 or more, with at least one Eligible Payroll Deposit equalling a minimum of $200. For more information, please refer to Current Boost Terms and Conditions.
13. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.
14. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.
15. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
16. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
17. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
18. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.
19. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.
20. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
21. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.
22. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.
23. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
24. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
25. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.
26. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.
27. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.
28. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
29. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
30. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.
31. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
32. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
33. Tipping or not tipping has no impact on your eligibility for SpotMe®.
34. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.
35. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.
36. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.
37. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.
38. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.
39. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.
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About the author

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

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