Emergency Funds,flexible loans,Buy now/pay later,payday loans,credit repair & reports
NXT Resilient Resources
What You Need To Know Right Now!
Emergency Funds
Expect the Unexpected...
Stuff happens. Life throws curveballs like sudden medical bills, car repairs, or unexpected home maintenance. These expenses can quickly drain regular savings.
FindHelp.org
When the bottom drops out--you need help with food, housing, health--anything. This is the place to start. Enter your zip and see all the basic services in your area. The social safety net, designed to address fundamental human needs, often suffers from fragmented and inefficient collaboration between government agencies, philanthropic organizations, and community programs. Findhelp.org is a website that streamlines and enhances this collaboration across both public and private sectors.
Cash Advance Debit Cards
Cash advance apps have emerged as a popular solution to people finding themselves short of cash, offering a convenient way to bridge the gap between paychecks. These digital tools provide small, short-term advances, aiming to alleviate the stress of financial shortfalls. However, with a multitude of options available, each with its own set of features and caveats, navigating this space can be overwhelming. Here's a quick list to help you figure it out.
- Cleo: Cleo provides cash advances up to $250, emphasizing its friendly AI interface to help users manage their finances. It offers personalized insights and budgeting advice. The maximum advance requires a Cleo Plus subscription, and the services are based on the users spending habits. Check out Cleo here.
- Dave: Dave allows cash advances up to $500, designed to cover small expenses before payday. It also offers budgeting tools and a "Side Hustle" feature to find extra income. Users must have a qualifying bank account, and some features, like the larger advances, require a Dave membership. Check out Dave here.
- Albert: Albert offers cash advances up to $250, known as "Genius" advances, and provides automated savings and investment tools. It focuses on holistic financial wellness. The maximum advance amount is dependent on qualifying factors and requires access to Albert Genius. Check out Albert here.
- MoneyLion: MoneyLion provides "Instacash" advances up to $500, with higher limits available to Credit Builder Plus members. It offers a range of financial products, including credit-building services and investment options. Higher advance amounts require a MoneyLion membership, and credit checks may be required for some services. Check out Brigit here. Check out Moneylion here.
- Current: Current offers overdraft-free cash advances up to $100 with its Overdrive™ feature. It focuses on modern banking with early direct deposits and budgeting tools. The $100 limit is standard, and it is a feature of their current accounts. Check out Current here.
- Chime: Chime's SpotMe feature allows overdraft-free advances up to $200, increasing based on account history. It's known for its user-friendly mobile banking and early paycheck access. SpotMe requires qualifying direct deposits, and the initial limit is typically lower. Check out Chime here.
- Earnin: Earnin allows users to access up to $500 of their earned wages before payday, with no mandatory fees (though tips are encouraged). It tracks work hours to determine eligibility. Advance amounts are based on earned wages, and the amount available each pay period varies. Check out Earnin here.
- Klover: Klover offers cash advances up to $100, focusing on providing access to small amounts of earned wages. It also provides tools to track spending and improve financial health. The small advance amount is a limitation, and access is based on qualifying bank account information. Check out Klover here.
- Empower: Empower offers cash advances up to $250, and provides automatic savings and personalized financial insights. It aims to help users build better financial habits. The maximum advance and full suite of tools require an Empower subscription. Check out Empower here.
- Brigit: Brigit offers up to $250 in cash advances, helping users avoid overdraft fees with its "Instant Cash" feature. It also provides budgeting tools and credit monitoring. A key caveat is that the maximum advance and some features require a Brigit Plus subscription. Check out Brigit here.
Borrow Against Your Valuables
Imagine needing quick cash without the hassle of credit checks or lengthy applications! The Provident Loan Society of New York offers a vibrant, efficient solution: collateral loans with remarkably low interest rates. Picture walking in with your treasured gold necklace, a classic watch, or a designer handbag, and walking out with cash in hand, knowing your valuables are safely stored and insured. Their expert appraisers offer fair valuations, and the loan terms are refreshingly transparent, calculated daily, not monthly. This means you only pay for the time you need the money, making it a smart, flexible alternative to traditional pawn shops. With multiple locations across NYC and even online options, accessing funds is swift and straightforward, perfect for those unexpected financial moments.
The real magic of Provident Loan Society lies in their commitment to customer care. They understand that life throws curveballs, and they're there to help you navigate them. Forget the anxiety of losing your precious items; they prioritize returning your belongings, offering loan extensions if needed. Their focus on lower interest rates and tailored loan terms transforms what could be a stressful experience into a positive one. However, it's important to remember that these are still loans secured by your valuables. Failure to repay will result in the loss of your collateral. But with their clear communication and dedication to helping you succeed, you can confidently secure the funds you need, knowing your items are in good hands.
Rent Out Tools and Equipment
If you have tools, camera gear, or other equipment sitting around, you can rent it out through Fat Llama.
It’s a peer-to-peer rental marketplace that lets you turn your unused items into extra cash.
Create a listing for your item, set your daily rate, and wait for people to request to rent it.
You can meet with renters or arrange a drop-off/pick-up location. Depending on what you’re renting, you could make $50-$100 per day.
Sell Your Blood Plasma
Beyond the typical gig economy, a lesser-known side hustle exists within the walls of plasma donation centers across the U.S. Individuals seeking supplemental income can contribute to the medical field by donating plasma, the liquid portion of blood used in various life-saving treatments. While not widely advertised, these centers offer compensation, attracting those looking for a relatively quick way to earn extra cash. The process, involving the extraction and return of blood components, is regulated, and donors undergo screening to ensure their suitability. Though it requires time and commitment, this practice provides a unique avenue for individuals to generate income while contributing to critical medical needs. US Government Plasma information about procedures and locations.
Buy NoW, Pay Later
Shopping Convenience or "Boy""Girl" Math?
- BNPL allows individuals to acquire items they might not be able to afford in a single payment. This is particularly useful for larger purchases like electronics, furniture, or appliances.
- By dividing payments into smaller, more manageable installments, BNPL can help consumers better manage their budgets. This can be especially helpful for those with fluctuating incomes.
- Many BNPL services offer interest-free payment plans, which can be an attractive alternative to credit cards for those looking to avoid interest charges.
- BNPL services are often integrated directly into the online checkout process, making them a convenient payment option.
- For some people who may have trouble getting approved for traditional credit cards, BNPL can offer a way to access financing for purchases.
Most popular Buy Now Pay Later Apps
Affirm:
- Affirm offers various payment plans, including both short-term and longer-term options.
- They emphasize transparency, with clear terms and no hidden fees in many cases.
- Affirm does perform soft credit checks.
- Affirm offers a wide range of payment options, including pay in 4, and monthly payment plans.
- Download Affirm here.
Afterpay:
- Afterpay is known for its "pay in 4" model, where purchases are split into four equal, interest-free installments.
- It's widely accepted by many retailers, making it a popular choice.
- Late fees can apply if payments are missed.
- Download Afterpay here.
Klarna:
- Klarna provides flexible payment options, including interest-free installments and longer-term financing.
- They offer a user-friendly app with various shopping features.
- Klarna offers a variety of payment options, and also has a rewards program.
- Download Klarna here.
PayPal Pay in 4:
- Integrated with PayPal, this service allows users to split purchases into four interest-free payments.
- It's convenient for online purchases made through PayPal.
- Being integrated with paypal gives it a large user base.
- Download Paypal here.
Sezzle:
- Sezzle focuses on interest-free installment plans.
- They offer features like payment rescheduling, providing some flexibility.
- Sezzle has a user friendly interface.
- Download Sezzle here.
Zip (formerly Quadpay):
- Zip also offers "pay in 4" installment plans.
- It provides a virtual Visa card option, allowing users to make purchases at retailers that may not directly offer BNPL.
- Zip offers versatility with its virtual visa card.
- Download Zip here.
PayDay Loans
Need your next check right now?
Payday loans can offer a rapid financial bridge when unexpected costs arise, providing quick access to funds for essential needs like urgent repairs or preventing late payment penalties. For those facing temporary income gaps, they can be a helpful tool to navigate short-term financial hurdles. However, it's crucial to be mindful of the associated costs and ensure a clear repayment plan to avoid potential long-term financial strain.
ACE CASH EXPRESS
Payday loans at ACE are a simple and fast way to apply for cash.
ACE is a top payday lender. Get started today with our hassle-free application. Don't let a less-than-perfect credit score keep you from applying. You will receive an instant decision. If approved for a payday loan online, you may be eligible to receive instant funding.
FastLoansGroup
With a fast online decision at FastLoansGroup, usually within minutes, you could get the funds in your account as fast as 24 hours! Think of the process as depositing a check into your bank account, typically, you have to wait at least 24 hours before the check clears and the money is available for you to use from your account. If you are approved for a Personal Loan by one of the lenders in our network, you can receive the money for your emergency in as little as 24 hours and resolve your financial problems in no time! Approval for up to $50,000 directly deposited as soon as tomorrow is possible with FastLoansGroup.
Spotlight Loans
Spotlight Loans operates a comprehensive platform of lenders who are eagerly waiting to service loan requests and provide a real-time decision. They can make funds available as soon as the next business day.
The user completes the loan request on Spotlight Loans' secure form, which has end-to-end encryption with their lenders. All the terms and conditions will be explained in full by the lender. The user should read the loan terms carefully. They are not obligated to take out a loan.
Spotlight Loans helps users get a loan that is right for them.
CREDIT-FLEXIBLE/Less than perfect credit
Upstart
You are so much more than your score. Upstart is an AI lending platform that partners with banks and credit unions to provide consumer loans using non-traditional variables, such as education and employment, to predict creditworthiness.
Cashably
Cashably is your straightforward solution for exploring personal loan options. It's designed to simplify the process of finding potential financial assistance by connecting you with various trusted lenders. Cashably provides a platform where you can easily compare different loan offers tailored to your needs, making it quicker and more convenient to identify a suitable solution. If you're looking for a hassle-free way to explore your borrowing possibilities, Cashably offers an accessible and user-friendly approach to navigate the lending landscape.
Online Loan Portal
When you need cash now, why wait? If you have a regular source of income and need funds fast, start a loan up to $2,500!
Start today and if approved, money can deposit funds directly into your account as soon as the next business day.
Honest Loans
Unexpected bills can often cause stress, but there's a solution to help. Honest Loans. Their nationwide network makes it easy for individuals to find the funds they need quickly. Honest Loans partners with reputable lenders to offer convenient loan options such as personal loans, cash advance loans, and installment loans. Whether it's a medical emergency, unexpected mechanic fees, or pressing bills, their goal is to provide individuals with the choices and quick access to funds that can help them navigate these situations smoothly and avoid costly penalties. Approval for up to $50,000 directly deposited as soon as tomorrow.
CREDIT Repair Services
Errors & Omissions?
Credit repair assists customers in improving their financial standing by correcting inaccuracies and addressing negative entries on their credit reports. Professionals collaborate with individuals to dispute errors, negotiate with creditors, and develop strategies to enhance their credit scores. This process can lead to more favorable loan terms, reduced interest rates, and improved overall financial stability, ultimately enabling customers to realize their financial aspirations.
The Credit People
Pssst... how does increasing your credit score by 53-187 points sound?
Want to raise your credit score?
The Credit People offer surprising strategies, often advising against immediately paying old debts. They've helped over 220,000 Americans boost scores by 53-187 points, sometimes effortlessly. For personalized guidance and to potentially improve your credit for easier approvals, The Credit People can help you make smart choices.
disputebee
Kikoff Credit
Kikoff Credit
DisputeBee provides advanced credit repair business software engineered to optimize efficiency and simplify workflows. Their platform automates the end-to-end dispute process, thereby conserving significant time and resources.
The software guides users through the generation of dispute letters appropriate for submission to credit bureaus, debt collection agencies, banks, lenders, and other furnishers on behalf of their clientele. DisputeBee is designed for intuitive operation, ensuring a user-friendly experience.
The purpose of disputing inaccurate entries with DisputeBee is the complete elimination of erroneous negative items from client credit histories. This includes collections, credit inquiries, late payments, bankruptcies, medical debt, and various other inaccuracies.
The successful removal of inaccurate negative items from a client's credit report can result in an improved credit score. This enhancement can enable clients to qualify for mortgages, loans, and credit offerings at more advantageous interest rates, potentially yielding substantial financial benefits.
Kikoff Credit
Kikoff Credit
Kikoff Credit
The Kikoff Credit Account is a specialized, reported, revolving tradeline ($750-3500). Each month, payments are instrumented against this tradeline & reported to the major credit bureaus, helping to build key credit factors.
With Tri-Bureau reporting, your Credit Account & payment activity is reported to all three major credit bureaus: Equifax, Experian, and TransUnion.
As a Kikoff customer, you'll use this tradeline to exclusively to finance the purchase items on the Kikoff Store—like one of our monthly credit building plans (Basic, Premium, or Ultimate).
The Credit Account is NOT intended for everyday purchases on things like gas or groceries.
Why not? Because making consistent, maintaining a tradeline with minimal use is an excellent way to show credit bureaus and lenders that you're a reliable borrower.
CREDIT REPORT
Credit Score and Reporting Platforms. How do they differ?
Credit Karma, myFICO, and Smart Credit offer credit monitoring and score tracking, but they differ in their focus, features, and pricing. Credit Karma is a free platform that provides VantageScore credit scores and offers credit building and money management tools. MyFICO focuses on FICO scores and offers identity theft protection and remediation tools, though some services are free and others require a subscription. Smart Credit offers a range of features including score tracking, money management, and fraud insurance, with some features requiring a subscription.
MyFico
- MyFICO offers access to your actual FICO scores, the credit scores used by most lenders, giving you a clear picture of your creditworthiness.
- Their detailed credit reports and score analysis tools help you identify areas for improvement and track your progress over time.
- By providing educational resources and monitoring services, MyFICO empowers you to take control of your credit and achieve your financial goals.
- Focus: Focuses on FICO scores and identity theft protection.
- Credit Scores: Provides access to FICO credit scores.
- Features: Offers identity theft protection, credit monitoring, and credit score analysis tools.
- Cost: Offers a free version with limited features and paid subscriptions for more comprehensive coverage.
- Data Sharing: myFICO's data-sharing policies are detailed on their website.
Credit Karma
Credit Karma is your go-to financial companion, providing free access to your credit scores and reports, empowering you with the knowledge to make informed decisions. Dive into personalized insights and recommendations tailored to your unique financial profile, helping you discover ways to save money and improve your credit health. Explore a world of financial opportunities, from finding the best loan rates to uncovering hidden savings, all within a user-friendly platform. Take charge of your financial future with confidence, knowing Credit Karma is there to guide you every step of the way, making your financial goals more attainable than ever.
- Focus: Free credit monitoring and financial management.
- Credit Scores: Provides VantageScore credit scores, which are based on information from TransUnion and Equifax.
- Features: Offers credit building tools, money management tools, and unclaimed property database monitoring.
- Cost: Primarily free, but some features may require a paid subscription.
- Data Sharing: Credit Karma's data-sharing policies are detailed on their website.
SmartCredit
Imagine your credit score as the key to your dream life—unlocking that new home, that perfect car, that financial freedom. SmartCredit makes that vision a reality. We understand credit scores aren't just numbers; they're gateways to your aspirations. Before SmartCredit, navigating this complex world was a mystery. Now, we empower you. See exactly how your choices impact your score, and gain the tools to take control. We don't just show you the path; we guide you every step of the way. Plus, with our $1 million Whole Family Fraud Insurance, you can pursue your goals with complete peace of mind, knowing your financial future is protected. SmartCredit: unlock your potential, simplify your finances, and secure your future.
- Focus: Offers a range of credit and financial management tools.
- Credit Scores: Provides credit score tracking and building tools.
- Features: Includes a Smart Credit Report, money management tools, ID theft alerts, and fraud insurance.
- Cost: Offers a subscription-based service with various plans.
- Data Sharing: Smart Credit's data-sharing policies are detailed on their website.
NEED Affordable Renters,Homeowners,Car & Pet Coverage?
Try Lemonade!
Lemonade reverses the traditional insurance model. We treat the premiums you pay as if it's your money, not ours. With Lemonade, everything becomes simple and transparent. We take a flat fee, pay claims super fast, and give back what’s left to causes you care about. Get a quote from Lemonade today!
NEED AFFORDABLE DENTAL & VISION, VET & TELEHEALTH?
Careington Savings Plans
Discounts on dental, vision and more!
Careington offers a variety of savings plans to help you and your family get high-quality health and wellness services at an affordable price.
Savings Plans are easy to use
Take a look at the savings plans offered below and choose the one that is right for you and your family!
This is not insurance. These are savings plans designed to fit your needs and budget. With savings plans, there is no waiting or limits on use. Once you receive your membership card, simply present it to a participating provider and pay the discounted rate at the time of service. It's that easy! showcase a premium service.
Careington truly empowers consumers with a fantastic array of savings! Imagine accessing significant discounts on essential services like dental, vision, and hearing care, all within a vast network of trusted providers. This means you can prioritize your health and well-being without breaking the bank. From routine cleanings and eye exams to major procedures like LASIK and hearing aids, Careington unlocks affordability. Plus, with easy access to these savings and the flexibility to choose your providers, Careington delivers peace of mind and financial freedom, making quality care more accessible than ever.
DID YOU Do Your Taxes? Free Or Cheap?
Look no further for a fantastic way to tackle your taxes without spending a dime on federal filing – FreeTaxUSA is here to make tax season a breeze! Imagine effortlessly navigating your tax return with their user-friendly, step-by-step guidance, ensuring you don't miss any crucial deductions or credits. Whether you have a straightforward W-2 or more complex situations, FreeTaxUSA supports a wide array of tax forms, all while guaranteeing 100% accurate calculations. Plus, they offer free e-filing, fast customer support via email, and even let you import last year's return from other popular services, making the switch incredibly smooth. For a truly empowering and cost-effective tax filing experience, FreeTaxUSA shines!
Get ready to breeze through tax season with TurboTax! This powerhouse software swoops in to simplify the often-stressful process, offering an intuitive, step-by-step guide that feels less like tax prep and more like a friendly conversation. You'll love how it effortlessly imports your W-2 and other crucial documents, auto-fills forms, and tirelessly hunts down every deduction and credit you're entitled to, potentially putting more money back in your pocket. With its accuracy guarantee and readily available support, including options to connect with tax experts, TurboTax empowers you to file with confidence, knowing you're getting your maximum refund without the headache. Say goodbye to tax-time overwhelm and hello to a smoother, faster, and even enjoyable filing experience!
Need Help Navigating this?
Call, text or write us:
NXT Resilient (917)783-0127, darrell@nxtfunding.com
DISCLAIMER:The financial products offered, including emergency funds, loans, and credit repair, are intended for short-term financial needs and may not be suitable for long-term financial planning. Please review all terms and conditions carefully before proceeding, and consider seeking advice from a qualified financial advisor.