You have a few options for obtaining a quick loan. If you need money today, consider the following: Pawnshop Loan: A pawnshop loan is a secured loan that you can get as soon as you can locate a pawnshop. It requires you to bring in something of value and the pawnbroker may offer you a loan of up to 60% of the item’s worth in return. The pawnbroker holds onto the item until the debt is repaid. If you don’t repay, the pawnbroker keeps your valuables and sells them to recoup the money. Popular pawned items include jewelry, electronics, and collectibles. Title Loan: This is an option if you own the title to your vehicle. You can find a title lender near you via a quick Google search, and if you can go there today with your title in hand, you can leave with a cash loan. You may be charged an origination fee. But as you’ve probably pieced together by now, if you don’t repay the loan, the lender keeps your title — and your car. This is one of the riskiest loans available and usually comes with a high interest rate. One study found that 1 in 5 title loan borrowers lose their vehicle. Credit Card Cash Advance: If you don’t have credit, you probably don’t have a credit card. But a credit card cash advance is one way to get a loan as quickly as you can get to an ATM. Credit card issuers provide cardholders with PINs they can use at ATMs to withdraw cash from their available credit limit. Friends and Family: This one may be obvious, but it never hurts to ask a family member or close friend to borrow a few bucks, especially if it’s for a small amount that you know you can repay quickly. If the request is truly to cover an emergency expense, they may be more inclined to help you out. And friends and family are unlikely to charge you exorbitant interest rates. Credit Union Payday Alternative Loan (PAL): There are two types of PALs — PAL I and PAL II — both of which are meant to help credit union members borrow small loan amounts with friendly repayment terms. You can learn more about PALs here, but the newest PAL II allows immediate eligibility for a loan after becoming a member of the credit union. You can borrow up to $2,000 for up to 12 months. You can use this tool to locate a credit union near you.