Is it reasonable to apply for a short term loan less than $1000?

It's like called a payday loan or money order or something idk I've never worked in my life but that's what my parents did a couple times. I'd do some research on it though

A real bank isn't going to give you the money in time and probably won't give you the money for that purpose anyway.

Your only real options are payday loans and title loans, which are easy to get at any of the dozens of places for that purpose you see in the local hood, especially if you normally have a comfortable amount of disposable income. The caveat is that the interest rates are abysmal, awful garbage, in the range of 200-400%, as in that's how much money you'll actually end up paying for what you get.

That being said, they get away with it because the actual dollar amounts you pay for interest and principle are pretty low, and debtors are fairly well protected under the law.

As to whether it's reasonable, it's up to you. You're getting the shit scammed out of you when you borrow from one of those places, but it's just money and it's not personable. I would hate to borrow that kind of money from a friend period, much less not being able to repay it quickly and having them be in a position where they actually need it.

"no credit" might be a problem, but I don't have enough personal experience with those sorts of places to tell you. Considering the kinds of places they operate, I don't really think it will be. In the future, you should get a really shitty but legit credit card, like Discover, to build your credit score. Just make the sort of minor purchases you would normally make on debit, wait a month or so, and then pay it off.

>>17847644
I what you say about the screw up by your employer is true then that is where I would start. They need to pay you what is owed and they should be able to cut you a check.

Personally, if this happened to me, and my company was unwilling to correct the issue timely, I would be filing A complaint with the department of labor for not only the wages owed but any provable hardships due to the error of your employer.

>>17847748
I get this, and I'm not just taking it lying down, but I still need money now-ish, rather than then.

>>17847761
Not that dude but I've been in your situation before. I asked my boss if he could just cut me a check for the amount of hours I've worked thus far and needed the money and I had the money by the next day. The fact that they didn't immediately compensate you for your $0 is mind boggling. In what world would you not pay someone the money they are owed and instead tack it on weeks later? That's shitty

I've never done this myself but it's possible you could pawn off some of your stuff and then buy it back after you get paid.

>>17847644
A bank is not likely to give a short-term loan to someone with no real collateral. There are loads of loan companies willing to do it, but you have to sign away the right to your next paycheck as collateral (if you pay, you get it back) and the interest rates range from 50% to 3000%. Your best bets, really might be to go to your employer with a frank admission of your situation and ask for an advance on your next paycheck, or to borrow from one or more friends.

>>17847644
Personally, I'd tough it out.

Do what you can, and ultimatelly let any collectors know your vacation pay didn't get put in right, and you'll have them taken care of in no time.

Don't rob peter to pay paul.

>>17847644
that is what credit cards are for

if you have job get a credit card

some banks have cash advance on their checking accounts