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Jul 6, 2023 · Budget Wisely. Balance transfers and investments aside, the best way to avoid getting into a similar situation again is to budget wisely and not spend more than you have. Take your time to re-evaluate your spending habits, outstanding bills, and expenses. Try to find the extra funds you could put away for rainy days. Sell unused gift cards. One of the most untapped resources for fast cash are those gift cards you’re unlikely to use. Selling your gift cards, even for a discount, will net you easy money.Navy Federal Credit Union Personal Loan: Best for Small loans starting at $250. Oportun: Best for Small loans starting at $300. First Tech Credit Union Personal Loan: Best for Small loans starting ...

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