quick cash

ClickCashGo Review

August 21, 2020 By Kathryn Vercillo Leave a Comment

Before we begin this ClickCashGo review, it’s important to remember that everyone’s financial situation is different. What’s right for one person isn’t necessarily right for another. That said, there are a lot of scams out there. There are a lot of problems with predatory lending. So it’s always important for you to think carefully about your financial choices before choosing any method of getting a loan.

What is ClickCashGo?

ClickCashGo is a lending platform. It’s not a lender. That’s an important distinction. ClickCashGo gives you a way to connect with a whole lot of lenders at once. So, on the one hand, this is a ClickCashGo review. But on the other hand, if you choose to use the service, then you need to understand that you’re working with a second separate lender, not simply this platform.

What is a Lending Platform?

A lending platform like Click Cash Go operates entirely on the Internet. It’s essentially a website where you enter a minimal amount of information in order to get matched with potential loans. The platform uses your information to provide you with loan options from any of the lenders that they work with and that you qualify to get a loan from.

Therefore, the lending platform is essentially a middle man. You need a loan. Instead of applying with a whole lot of lenders and getting rejected over and over, you use a middle man. You’ll get a ClickCashGo review of all of your available lending options. Then, once you accept a loan, ClickCashGo is out of the picture. Your loan comes from that other lender.

There is No Immediate Obligation

Almost every ClickCashGo review that you find will note that this is “an obligation free lending marketplace.” What does that mean? Because ClickCashGo is the middle man, you aren’t obligated to take any of the offers they give you. Therefore, there’s no obligation to find out what loans they might make available to you.

That said, in my experience, when you sign up to get quotes from a service like this, you do get a lot of follow-up offers. You may receive more email and phone calls from potential lenders than you would like. So, while there’s no obligation, you can potentially at times feel like there’s some pressure to take out a loan. If you’re in dire financial straits, you can easily cave to that pressure, whether or not it’s the right personal finance choice for you.

What ClickCashGo Offers

You might end up finding ClickCashGo if you’re seeking a loan for a small amount, especially if you have bad credit.

ClickCashGo advertises that you can get personal loans up to $5000 that you can use for any reason at all. You can borrow as little as $200 through their lenders. They offer cash advances, payday loans, and installment loans. Repayment plans can be as short as three months or as long as five years.

The application process is very quick. You enter just a small amount of information on the website. Then, within two minutes, you’ll find out what loans you qualify to receive.

The acceptance process is quick as well. You need to have a bank account that they can send the money to. Accept the terms of one of the loans and the process begins immediately. You may receive your loan the same day or the following business day.

There are a few limitations for people applying for these types of loans:

You must be 18 or older.
Only U.S. citizens qualify.
You have to be employed or able to prove steady income

It’s also important to know that you can’t apply for these loans if you live in one of the following eight states: Arizona, Arkansas, Georgia, Massachusetts, New York, Ohio, Pennsylvania, or West Virginia.

If you are desperate for a short-term loan and haven’t had luck through traditional channels, what they offer is legitimate.

There are no fees to utilize this service. However, the lender might have origination fees, which you should review before accepting any ClickCashGo offers.

ClickCashGo Review: The Downside

You may have already noticed one downside to this service: you must have steady employment. Oftentimes when we need money quickly, it’s during times that we don’t have a job. Therefore, you might not even qualify for this service.

That said, there are other big downsides to consider. The biggest of those is that you are likely going to get a loan that has a very high interest rate. After all, if you could easily qualify for a small loan with a good interest rate, then you would probably get it through regular channels. For example, you might go directly through your bank. If you’re going through ClickCashGo, then it’s probably because you don’t qualify for traditional loans. This means you’re a high-risk borrower, which means your interest rate will likely be high. (They do offer loans to people with good credit, but the site is primarily geared towards people with no credit or bad credit.)

A high interest rate makes it hard to repay the loan. You can easily get stuck in a cycle of borrowing, repaying, and borrowing some more. That’s less than ideal. On the plus side, you do get to see your ClickCashGo offers before you accept the terms. Therefore, if all of your interest offers are too high then you can opt out. That said, if you feel desperate for the money, you might accept those offers without thinking it through clearly. High interest is problematic, so you want to have a clear mind if you’re thinking about taking on that debt.

Is ClickCashGo a Scam?

ClickCashGo is a not a scam. It’s a company that’s been around for several years. They don’t offer loans themselves. They are clear and upfront on their website about the fact that they are simply a middle man who connects you with lenders.

Whether or not the terms of the loan are fair really depends on your exact needs. Like all payday loans, cash advances, and high-interest loans, the offers tend to come with a lot of risk. If you’re in a pinch and don’t have any other options for a loan, then you can use the service to find one of these. Just be aware of exactly what you’re getting yourself into. This is a short-term solution to a financial situation that could have long-term effects. I mean, do you really want to be paying as much as 35% APR on a $5000 loan that isn’t going to be paid off for another five years?

102 Ways to Make Some Extra Cash

February 11, 2019 By Jennifer Derrick 19 Comments

People often ask me if I know of any ways to make some extra cash. And, although there are tons of ways you can make more money, some of them might take a little longer than others. If you need some ideas for generating some extra money right now, here are 102 quick ideas – particularly if you pick more than one from the list. Below is my list of (relatively) fast and easy ways to come up with a little extra cash in your pocket.

1. Sell your old gold.

2. Collect aluminum and other metals and sell them to a metal recycler. A metal detector makes this easier if you have one. You can also collect cans from your employer if they don’t already have a recycler.

3. Consider driving for Uber or delivering food with UberEats.

4. Do what you do for a full-time job on a freelance basis.

5. Clean out the house and cars and put all the money you find aside. It might surprise you how much small change is lying in the back of drawers, in ashtrays, and between seat cushions.

6. Walk dogs or petsit.

7. Babysit

8. Have a yard sale or open a booth at the flea market.

9. Sell your junk on eBay, Craigslist, Amazon or any of the other good used marketplace websites.

10. Make crafts and sell them on Etsy or at local craft shows.

11. Clip coupons out of the paper and sell them on eBay (yes, people do this).

12. Take online surveys or join rewards programs.

13. If you must spend money, use a rewards credit card that pays cash back and cash out as soon as you’re eligible to do so.

14. Return items you bought but haven’t used for a refund.

15. Pawn something.

16. Rake leaves/shovel snow/cut grass/clean gutters for others.

17. Rent out a room in your house.

18. Start a blog and put ads on it using Google’s AdSense.

19. Become a freelance writer.

20. Become a temporary worker.

21. Become a medical guinea pig or sign up for clinical trials of drugs.

22. Donate plasma.

23. Sell your hair to a wig maker.

24. Sell your eggs to a fertility specialist.

25. Donate sperm at a sperm bank.

26. Start vegetable plants and sell the starter plants for a fraction of what nurseries charge.

27. Drop services you don’t need like cell service, cable, lawn/pool service, or Internet and free upwards of $100/month.

28. Conserve energy and water aggressively and lower those bills to free up extra cash.

29. Return cans and bottles for the deposit if it’s available where you live.

30. Teach something that you are good at to others, either through a community school or private lessons.

31. Sew/make alterations for others.

32. Help the elderly. Offer to do the shopping and take them to appointments, for a small fee.

33. Offer handyman services.

34. Collect ink cartridges from friends and coworkers (and your office if they don’t recycle) and give them to places like Office Depot or Staples for cash back.

35. Wash/detail cars.

36. Wash/detail pets.

37. Sell your stuff to a consignment shop. Here are some tips.

38. Sell food to workers at a construction site.

39. Sell your wedding china to Replacements Ltd.

40. Cash out any “points” you have lying around. Whether it’s from credit/debit card reward programs, store/product loyalty programs, gas rewards, or rewards sites, cash in everything you can and use the cash or gift cards to cover household expenses.

41. Tutor kids.

42. Take a part-time job.

43. Use equipment you already own to make money (power washing, snow blowing, etc.)

44. Help someone move.

45. Act as a driver for the schools. Some public and private schools take on private drivers to go where buses can’t or won’t go.

46. Turn a hobby into profit (photography, cake decorating, scrapbooking, etc.)

47. Use your skills to enter and win contests that pay cash (bake-offs, craft contests, state fairs, etc.)

48. Change people’s oil for them.

49. Use your van or truck to haul heavy things for people.

50. Take any overtime your regular job offers.

51. Clean houses

52. If you have a lot of land, open some up for RV or boat storage at cheap rates.

53. Quit smoking/drinking.

54. Go through drive-through lanes and parking lots after hours and pick up the spare change you find.

55. Use programs like CVS Extra Care and coupons to get toiletry and cleaning items for free. Sell them at your next yard sale.

56. Use coupons and add what you save to your cash stash.

57. Refinance your mortgage. If you can swing the closing costs and you can save a point or two on your interest rate, it may be worthwhile to lower that monthly payment (particularly if you’re carrying PMI and can get out of it by refinancing). Just don’t cash out the equity.

58. Collect old cell phones from friends. family and co-workers and sell them to recyclers such as Greephone.com.

59. Become a human or car billboard. Places will pay you to decorate your car with their logos or wear their logos to popular events.

60. Become a mystery shopper.

61. If there’s a big event coming to your area like a major sports tournament or convention, rent out your house.

62. Panhandle, if it’s legal, or wash windshields at a busy intersection.

63. If you have more than one vehicle, sell one.

64. Unload any tickets you’re holding. If you’ve got season sporting tickets or tickets to the upcoming concert, sell them (just don’t scalp them for more than face value).

65. Test drive for cash. Some car dealers will give you cash or gift cards to come in and test drive a vehicle with no obligation.

66. Drop unnecessary insurance coverage.

67. Drop any “double” services you find. For example, do you have AAA and an insurance policy that provides roadside assistance? Either don’t renew AAA or drop the roadside from your insurance coverage and save the money.

68. Check your state’s unclaimed property office to see if you are owed any money.

69. Cash in any savings bonds you have lying around. You’d be surprised how many people have them gathering dust in a drawer or safe deposit box.

70. Try to negotiate a lower interest rate on any credit card debt you have to lower the monthly payment.

71. Don’t renew magazines, gym memberships, club memberships or any other subscription/membership when it comes up. Let it go and pocket the cash.

72. Use your own ATM. Don’t pay transaction fees at another bank’s machine.

73. Sell any gift cards that you can’t/won’t use on eBay or swap them for ones you will use.

74. Write a book and sell it through LuLu or as a digital download.

75. Make music, art, computer themes, canned websites or clipart and sell them online.

76. Look into bundling the services you need to keep. It might lower the monthly bill.

77. Call all your service providers and ask if you can get a discount because you’re a good customer, always paid on time, or if you’re a member of a certain union or organization. Negotiate a discount if you can.

78. Brown bag your lunch instead of eating out.

79. Actually complete and send in those rebate forms you’ve been meaning to do.

80. Sell your double stuff. Have you digitized your music or video collection to the point where the discs never see the light of day anymore? Sell them.

81. Scrounge the local trash piles for good, intact items and sell them on Craigslist or eBay.

82. You can question the ethics of this one, but people do it all the time: Buy (or acquire for free) items from sites like Freecycle or Craigslist, or at the local thrift shop, and then resell them for a profit.

83. Be a plant/garden sitter. You water and tend to the plants while the owners are away.

84. Become a paid guide at a search website like ChaCha.com.

85. Get paid to submit video reviews of products at sites like ExpoTV.

86. Open a bank account that will pay you a cash bonus for opening the account.

87. Become a focus group participant. Look on Craigslist or in the want ads for postings in your area. Research companies are often listed in the Yellow Pages, as well.

88. Enter contests that give out physical prizes and sell any prizes you win.

89. Send in your FSA or HSA claims. Don’t wait until the end of the year, go ahead and get your money back.

90. Check your health insurance plan for any rebates you’re entitled to. Some reimburse wellness materials like gym memberships or weight loss programs. If you’re paying out of pocket, check and see if you can get the money back.

91. Use a site like Ebates or another rewards program to get cash back on online shopping. Pocket the difference.

92. Ask for a raise at your regular job. It might happen and it never hurts to ask. Even in this economy, you might get it if you’re a valuable employee.

93. If you have a vacant office, room, or garage in your home, rent it out as studio space to artists or musicians whose only alternative is to pay for expensive time in a “real” studio.

94. If you are popular on a message board, ask about a moderator gig. Some are paid a tiny bit each month.

95. Get free samples from sites like StartSampling.com, WalMart.com or many others. It’s not outright cash, but every sample you get and can use or sell reduces the amount of money you have to spend on products.

96. Add affiliate links to your website or blog and get paid when people buy products through your links.

97. Get back anything you’re entitled to. If you replace your car battery yourself, be sure to take the old one back and get the core charge refunded. Get price adjustments on items that go on sale within the store’s specified time frame. Get your security and utility deposits back when you move. Don’t leave any money on the table.

98. Deliver newspapers.

99. Rent out parking spaces. If you live in an area with little parking or near a big event center/arena and you have a little extra space, rent it out for parking.

100. Sign up with Mechanical Turk (Mturk.com) from Amazon.com and take on tasks that interest you.

101. If you have old electronics that won’t sell, try trading them in. There are several stores/websites that offer trade-ins or take backs for cash or gift cards.

102. Stop spending on stuff you don’t need. Seriously. This is the best way to free up cash.

Note that none of these tips require incurring additional debt or cashing out any savings like home equity or raiding a retirement plan. Those are courses of last resort. Try generating extra cash first. If you really want to make some extra money, try turning something you like into a home-based business. There are a lot of ways to generate extra cash if you’re willing to put forth the effort. Use your imagination and draw on your expertise and you can find several ways to bring in some extra money.

Finally, if you are serious about finding ways to make extra cash get and read a copy of One Thousand Ways to Make $1,000. This book is reputed by Warren Buffett’s biographers to be one of the major influences on the legendary investor’s business acumen. After pulling a copy of One Thousand Ways off a shelf at age eleven and devouring F.C. Minaker’s practical advice, Buffett declared that he would be a millionaire by the time he was in his 30s. Written in a plain and conversational style this book is full of inventive ideas on how to make money through hard work, excellent salesmanship, and resourcefulness. Get it from Amazon.com here.

Do you have any ideas for making extra cash? Share with us in the comments below!

102 Ways To Generate Extra Cash

October 1, 2016 By James Hendrickson 19 Comments

I am frequently asked (and more often now that the economy is in the tank), “What can I do to generate some extra cash?” There are many ways to generate additional cash, some of them quicker than others. If you need a lot of cash, these tips alone probably won’t do it; few, if any, of them are substitutes for the income a full time job provides. But if you just need a little help these can generate some extra money, particularly if you do more than one. Below is my list of (relatively) quick ways to come up with a little extra cash in your pocket.

1. Sell your old gold.

2. Collect aluminum and other metals and sell them to a metal recycler. A metal detecter makes this easier, if you have one. You can also collect cans from your employer if they don’t already have a recycler.

3. Take a part time job.

4. Do what you do for a full time job on a freelance basis.

5. Clean out the house and cars and put all found money aside. It might surprise you how much small change is lying in the back of drawers, in ashtrays, and between seat cushions.

6. Walk dogs or petsit.

7. Babysit

8. Have a yard sale or open a booth at the flea market.

9. Sell your junk on eBay, Craigslist, Amazon or any of the other good used marketplace websites.

10. Make crafts and sell them on Esty or at local craft shows.

11. Clip coupons out of the paper and sell them on eBay (yes, people do this).

12. Do online surveys or rewards programs.

13. If you must spend money, do it on a rewards credit card that pays cash back and cash out as soon as you’re eligible to do so.

14. Return items that you bought but haven’t used for a refund.

15. Pawn something.

16. Rake leaves/shovel snow/cut grass/clean gutters for others.

17. Rent out a room in your house.

18. Start a blog and put ads on it using Google’s AdSense.

19. Write articles for places like Associated Content or Heluim.

20. Become a temporary worker.

21. Become a medical guinea pig or sign up for clinical trials of drugs.

22. Donate plasma.

23. Sell your hair to a wig maker.

24. Sell your eggs to a fertility specialist.

25. Donate sperm at a sperm bank.

26. Start vegetable plants and sell the starter plants for a fraction of what nurseries charge.

27. Drop services you don’t need like cell service, cable, lawn/pool service, or Internet and free upwards of $100/month.

28. Conserve energy and water aggressively and lower those bills to free up extra cash.

29. Return cans and bottles for the deposit if it’s available where you live.

30. Teach something that you are good at to others, either through a community school or private lessons.

31. Sew/make alterations for others.

32. Help the elderly. Offer to do the shopping and take them to appointments, for a small fee.

33. Offer handyman services.

34. Collect ink cartridges from friends and coworkers (and your office if they don’t recycle) and give them to places like Office Depot or Staples for cash back.

35. Wash/detail cars.

36. Wash/detail pets.

37. Sell your stuff to a consignment shop.

38. Sell food to workers at a construction site.

39. Sell your wedding china to Replacements Ltd.

41. Tutor kids.

42. Raid trash cans for Coke Rewards caps and rack up gift cards. This one is especially good at events like concerts and road races, where Coke/Dasani/Powerade is a sponsor. Few people keep the caps for the codes. At one of my recent marathons where Powerade was the sponsor, I got enough caps to earn a $25 gift card.

43. Use equipment you already own to make money (power washing, snow blowing, etc.)

44. Help someone move.

45. Act as a driver for the schools. Some public and private schools take on private drivers to go where busses can’t or won’t go.

46. Turn a hobby into profit (photography, cake decorating, scrapbooking, etc.)

47. Use your skills to enter and win contests that pay cash (bake-offs, craft contests, state fairs, etc.)

48. Change people’s oil for them.

49. Use your van or truck to haul heavy things for people.

50. Take any overtime your regular job offers.

51. Clean houses

52. If you have a lot of land, open some up for RV or boat storage at cheap rates.

53. Quit smoking/drinking so much.

54. Go through drive through lanes and parking lots after hours and pick up the spare change you find.

55. Use programs like CVS Extra Care and coupons to get toiletry and cleaning items for free. Sell them at your next yard sale.

56. Use coupons and add what you save to your cash stash.

58. Collect old cell phones from friends. family and coworkers and sell them to recyclers such as Greephone.com.

59. Become a human or car billboard. Places will pay you to decorate your car with their logos or wear their logos to popular events.

60. Become a mystery shopper.

61. If there’s a big event coming to your area like a major sports tournament or convention, rent out your house.

62. Panhandle, if it’s legal, or wash windshields at a busy intersection.

63. Sell a car and make do with one.

64. Unload any tickets you’re holding. If you’ve got season sporting tickets or tickets to the upcoming concert, sell them (just don’t scalp them for more than face value).

65. Test drive for cash. Some car dealers will give you cash or gift cards to come in and test drive a vehicle with not obligation.

66. Drop unnecessary insurance coverage.

68. Check your state’s unclaimed property office to see if any old money is owed to you.

69. Cash in any savings bonds you have lying around. You’d be surprised how many people have them gathering dust in a drawer or safe deposit box.

70. Try to negotiate a lower interest rate on any credit card debt you have to lower the monthly payment.

71. Don’t renew magazines, gym memberships, club memberships or any other subscription/membership when it comes up. Let it go and pocket the cash.

72. Use your own ATM. Don’t pay transaction fees at another bank’s machine.

73. Sell any gift cards that you can’t/won’t use on eBay, or swap them for ones you will use.