Consider online lenders for instant personal loans. If you have a credit card, many offer cash advances, giving you the option to get cash out of an ATM. Borrowing in this way means borrowing less for shorter amounts of time, often with very high rates of interest. Note that interest may begin to accrue the moment you receive your money with no grace period.  Watch out! Weigh your options carefully before considering an instant loan or cash advance. This is an extremely expensive way of borrowing money. If a personal loan or a line of credit is available to you, it is usually a better option.