What You Will Get At A Glance
Let’s be honest—when you find yourself thinking “I need 1300 dollars now,” it’s rarely for a fun reason. Maybe your car broke down, and the repair bill is sitting on your kitchen counter.
Perhaps you’re facing an unexpected medical expense, or your landlord just hit you with a surprise fee. Whatever the reason, you’re here because you need real solutions, and you need them fast.
The good news? Getting 1300 dollars quickly is absolutely possible, even if you don’t have perfect credit or a large savings account.
In this guide, we’ll walk you through realistic, actionable strategies that can help you raise that money within hours or others within days. Let’s dive in.
Understanding Your Timeline: How Fast Do You Really Need $1,300?
Before we jump into solutions, take a moment to assess your actual timeline. Are we talking about:
Emergency (24-48 hours): The situation is genuinely urgent—utilities are being shut off, a car is being repossessed, or a medical emergency has occurred.
Urgent (3-7 days): You need the money soon to avoid serious consequences, but you have a few days to work with.
Important (1-2 weeks): The deadline is firm, but you have enough time to explore multiple options and combine strategies.
Understanding your timeline helps you prioritize which solutions to tackle first. If you’re in true emergency mode, you’ll focus on instant options.
If you have a week or two, you can combine faster methods with ones that take slightly longer but might be more favorable.
Instant Cash Advance Apps: The Fastest Path to $1,300
When you need 1300 dollars now, instant cash advance apps are often your quickest and most realistic option.
These modern financial tools have transformed emergency lending by providing fast access to funds without the predatory practices of traditional payday lenders.
Why Cash Advance Apps Work for $1,300
Unlike traditional loans that require extensive paperwork, credit checks, and waiting periods, cash advance apps:
- Process applications in minutes, not days.
- Don’t require perfect credit or any credit check at all.
- Deposit funds instantly or within 24 hours.
- Charge transparent fees with no hidden surprises.
- Work with your existing income, even if it’s irregular.
Beem: Your Best Bet for $1,300 Fast
Beem stands out as the premier solution when you need $1300 now. Here’s why thousands of people turn to Beem during financial emergencies:
Advance Amount: Up to $1,000 instantly, which covers a significant portion of your $1,300 need. You can combine this with one other quick strategy to reach your full goal.
Speed: Truly instant approval and fund transfer. We’re talking minutes from application to money in your account.
No Credit Check: Your credit score is not a factor in our decision. Beem evaluates your actual financial situation through bank account analysis.
Transparent Costs: You see all fees upfront. No surprises, no fine print traps.
Simple Process: Download the app, connect your bank account, request your advance, and receive funds. It’s genuinely that straightforward.
How to Use Beem to Get Close to $1,300:
- Download the Beem app from your app store.
- Create your account with basic information.
- Securely connect your bank account (this allows Beem to verify your income).
- Request up to $1,000 based on your eligibility.
- Receive instant approval.
- Get funds deposited directly to your account.
Since Beem can provide up to $1,000 instantly, you’ll need to find just $300 more from other sources we’ll discuss below. This combination approach is often the fastest way to reach your $1,300 goal.
Combining Multiple Cash Advance Apps
If Beem alone doesn’t get you to $1,300, you can strategically use multiple apps:
Earnin can provide up to $750 per pay period, covering your entire need if you haven’t used it recently.
Dave offers up to $500 with their ExtraCash feature, which could be the perfect supplement to Beem’s $1,000.
Strategy: Apply to Beem first for the largest amount ($1,000), then supplement with Dave ($500) if needed. This gets you $1,500 total—more than your $1,300 goal—giving you breathing room.
Important Note: Only borrow what you actually need and can repay. Just because you qualify for $1,500 doesn’t mean you should take it if you only need $1,300.
Leveraging Your Assets: Turn Possessions Into $1,300
When you need 1300 dollars now, look around your home. You likely have $1,300 or more worth of items that can be quickly converted to cash.
High-Value Items That Reach $1,300 Fast
Electronics: A relatively recent laptop ($400-800), iPad or tablet ($200-400), iPhone or high-end Android phone ($300-600), gaming console with games ($250-400), or quality camera equipment ($300-1,000+) can quickly add up to your goal.
Jewelry: Even modest gold or silver jewelry can be surprisingly valuable. A simple gold chain might be worth $200-$400, while diamond rings can fetch $ 500-$2,000 or more, depending on their quality.
Designer Items: An authentic designer handbag ($400-$2,000+), luxury watch ($500-$5,000+), or designer shoes ($100-$500 per pair) can reach $1,300 faster than you might think.
Musical Instruments: Guitars, especially name brands like Fender or Gibson ($400-$2,000+), keyboards ($300-$800), and DJ equipment ($500-$1,500) hold their value well.
Tools and Equipment: A quality tool set ($300-$600), power tools like table saws or compound miter saws ($200-$500 each), or professional-grade equipment quickly reaches four figures.
The Smart Selling Strategy for $1,300
Step 1: Inventory Assessment (30 minutes) Walk through your home and list everything of value. Be honest about what you actually use versus what’s collecting dust.
Step 2: Research Current Values (1 hour) Check Facebook Marketplace, eBay sold listings, and Craigslist to determine the actual selling prices of similar items (not just asking prices).
Step 3: Price for Speed (15 minutes) When you need 1300 dollars now, price items at 70-80% of market value. You’ll sacrifice some profit for guaranteed quick sales.
Step 4: Create Compelling Listings (2-3 hours)
- Take clear, well-lit photos from multiple angles.
- Write honest, detailed descriptions.
- Include all accessories and the original packaging, if available.
- List dimensions and specifications.
- Note any flaws or wear honestly.
Step 5: Post Everywhere Simultaneously
- Facebook Marketplace (fastest for local sales).
- Craigslist (still effective for larger items).
- OfferUp (mobile-friendly, growing user base).
- Nextdoor (great for trusted local sales).
- Mercari (good for shipping smaller items).
Step 6: Respond Immediately. When someone messages you, respond within minutes. Fast communication converts interested browsers into actual buyers.
Pro Tip: Create a bundle strategy. Instead of selling your laptop for $600, sell it with your tablet ($250), wireless mouse ($30), laptop bag ($40), and external hard drive ($80) for $950. Buyers love bundles, and you move multiple items at once.
What One Person Did to Get $1,300 in 48 Hours
For example, Sarah needed $1,300 for an emergency vet bill. Here’s exactly what she sold:
- MacBook Air (2019): $650.
- iPad (2020): $300.
- AirPods Pro: $120.
- Nintendo Switch with five games: $280.
- Total: $1,350 in 48 hours.
She priced everything slightly below market value, posted it on Friday evening (a high-traffic time), and sold everything by Sunday afternoon.
Your Credit Cards: Untapped Emergency Resources
If you have credit cards, you already have potential access to $1,300, even if you don’t have that much available in cash advances.
Strategy 1: Balance Transfer Checks
Many credit card companies send balance transfer checks that you can deposit directly into your bank account. These often come with:
- 0% APR promotional periods (12-21 months typically).
- A 3-5% one-time fee (resulting in $39-$65 on a $1,300 purchase).
- No cash advance fees or higher APR.
How to Use Them:
- Check your mail or online account for balance transfer offers.
- Write the check to yourself for $1,300.
- Mobile deposit or deposit at your bank.
- Funds available in 1-3 business days.
This is actually one of the most affordable ways to access $1,300 if you have good credit, as you’re only paying the 3-5% fee and then have over a year to repay at 0% interest.
Strategy 2: Pay Bills with Credit, Free Up Cash
Instead of taking a cash advance (which has terrible rates), use your credit card to pay bills that you were going to pay with your bank account money:
- Utilities (many accept credit cards).
- Insurance premiums.
- Phone bills.
- Subscriptions.
- Groceries for the month.
If you were going to spend $1,300 on bills and necessities anyway, putting them on your credit card frees up that $1,300 cash in your bank account for your emergency needs.
Strategy 3: Credit Card Cash Advance (Last Resort)
Only if you have no other options, credit card cash advances provide immediate access to cash. Be aware:
- Fees are typically 3-5% upfront ($39-$65 on $1,300).
- Interest starts immediately (no grace period).
- APR is typically higher than the rate for regular purchases (often 25-30%).
How to Minimize Costs:
- Take only the exact amount you need ($1,300, not more).
- Plan to repay it within 30 days.
- Make payments immediately to minimize interest charges.
Tap Into Your Retirement: 401(k) Loans for $1,300
If you have a 401(k) through your employer, you can borrow $1,300 with relatively favorable terms.
How 401(k) Loans Work
You’re essentially borrowing from yourself:
- Borrow up to 50% of your vested balance (up to $50,000).
- Interest rates are typically prime rate + 1-2% (currently around 6-7%).
- You pay Interest to yourself, not a bank.
- Repayment through payroll deductions over 5 years.
- No credit check required.
- No tax penalties if repaid on schedule.
For a $1,300 Loan:
Monthly Payment: Approximately $25-30 per month. Total Interest Over 5 Years: About $100-150 Processing Time: Usually 3-7 business days
Important Considerations
Pros:
- Low interest rates compared to other options.
- No credit impact.
- Interest goes back into your account.
- Fast approval (you’re borrowing your own money).
Cons:
- If you leave your job, you typically must repay within 60 to 90 days.
- Missing payments triggers taxes and penalties.
- You lose investment growth on the borrowed amount.
- Not all plans offer loans.
When It Makes Sense: If you have stable employment and need $1,300 for a one-time expense that won’t become recurring debt, a 401(k) loan offers favorable terms.
Ask Your Employer: Advance on Your Paycheck
Many people don’t realize their employer might advance them money against upcoming paychecks—you have to ask.
How to Request a Paycheck Advance for $1,300
Step 1: Calculate Your Net Pay. Look at your last few pay stubs. If you normally net $1,500 per paycheck, requesting a $1,300 advance is reasonable.
Step 2: Schedule a Private Meeting. Request a meeting with HR or your direct supervisor. Don’t discuss this by email or in public.
Step 3: Be Direct and Professional. “I’m experiencing a financial emergency and need to request a $1,300 advance on my next paycheck. I understand this would be deducted from my upcoming pay. Is this something the company can accommodate?”
Step 4: Explain Your Repayment Plan “I’d like to have $650 deducted from each of my next two paychecks” or “I can have the full amount deducted from my next paycheck on [date].”
Step 5: Get It in Writing. If approved, request the agreement in writing, specifying the amount, repayment schedule, and any applicable fees.
What to Expect
Companies Most Likely to Approve:
- You’ve been there 6+ months.
- You have good attendance and performance.
- You’ve never requested this before.
- It’s a true one-time emergency.
Processing Time: Most employers can issue advance checks within 2-3 business days, provided the application is approved.
Fees: Many employers don’t charge fees for paycheck advances. Some may charge a small processing fee ($10-$ 25).
Personal Loan Options for $1,300
If you need 1300 dollars now and have decent credit (650+), personal loans offer structured repayment with predictable terms.
Online Lenders: Fast Personal Loans
Best for $1,300:
Upstart: Specializes in smaller loans, considers factors beyond credit scores, fast approval (1-3 days), rates from 6.7% to 35.99% APR.
LendingClub: Loans as small as $1,000, 3 or 5-year terms, funding in 1-6 business days, rates from 9.57% to 35.99% APR.
Avant: Accepts lower credit scores (580+), loans from $2,000 minimum (you’d borrow more than needed), and funding in 1 business day.
Prosper: Peer-to-peer lending, loans from $2,000, funding in 3-5 business days.
What a $1,300 Personal Loan Looks Like
Example Terms:
- Loan Amount: $1,300.
- APR: 18% (average for fair credit).
- Term: 24 months.
- Monthly Payment: $63.
- Total Interest: $209.
To Apply:
- Visit the lender’s website and complete the pre-qualification process (a soft credit check that won’t affect your score).
- Compare offers from multiple lenders.
- Submit a full application to your chosen lender.
- Provide income verification (pay stubs, bank statements).
- Review and sign the loan agreement.
- Receive funds via direct deposit (1-5 business days).
Credit Union Personal Loans
If you’re already a credit union member, they often offer the best terms for smaller loans:
- Lower interest rates (8-15% typical).
- More flexible approval criteria.
- Personal service and financial counseling.
- Faster approval for existing members.
- Potential same-day funding.
Not a member? Many credit unions let you join with just a $5-25 deposit, making this a viable option even if you’re starting from scratch.
Creating Your $1,300 Action Plan
Now that you understand all your options, let’s create your personalized strategy based on how quickly you need 1300 dollars now.
24-Hour Emergency Plan
Hour 1-2: Apply to Beem for up to $1,000 instantly. Hour 2-3: Identify your most valuable items worth $300-500. Hour 3-4: Create and post listings on Facebook Marketplace. Hour 4-8: Field inquiries and arrange same-day pickup. Result: $1,300 within 24 hours
3-7 Day Urgent Plan
Day 1:
- Apply to Beem ($1,000).
- Apply to Dave or Earnin ($300-500).
- Request a paycheck advance from the employer.
Day 2-3:
- List items for sale online.
- Apply for a personal loan with an online lender.
- Contact the credit union about an emergency loan.
Day 4-7:
- Complete item sales.
- Receive loan approval and funding.
- Combine all sources to reach $ 1,300 or more.
Result: Multiple funding sources, reaching the goal by the end of the week.
1-2 Week Important Plan
Week 1:
- Apply for a 401(k) loan if applicable.
- Apply for a personal loan through a credit union.
- List and sell items online.
- Apply for community assistance programs.
- Consider balance transfer checks from credit cards.
Week 2:
- Receive 401(k) loan funds.
- Complete item sales.
- Receive personal loan funding.
- Potential assistance program approval.
Result: $1,300+ with the best possible terms and lowest costs.
Avoiding Common Mistakes When You Need $1,300 Fast
When you’re desperate and thinking, “I need 1300 dollars now,” it’s easy to make costly mistakes. Avoid these pitfalls:
Mistake #1: Title Loans on Your Vehicle
Why to Avoid:
- Interest rates of 300% APR or higher.
- Risk losing your car (your only transportation to work).
- Typical trap: can’t repay, forced to rollover, debt balloons.
Better Alternative: Beem cash advance + selling items.
Mistake #2: Predatory Payday Loans
Why to Avoid:
- $15-30 per $100 borrowed (390-780% APR).
- Due in full on next payday (creates a debt cycle).
- Frequent rollovers multiply debt.
Better Alternative: Modern cash advance apps with transparent, reasonable fees.
Mistake #3: Taking More Than You Need
Just because you qualify for $2,000 doesn’t mean you should take it when you only need $1,300. Extra money feels safe, but:
- You pay Interest on the full amount.
- Larger repayments strain your budget.
- “Extra” money often gets spent, leaving you still struggling.
Better Approach: Calculate your exact need and borrow only that amount.
Mistake #4: No Repayment Plan
Before taking any loan or advance, answer:
- Exactly how much will I repay monthly?.
- On what date is each payment due?.
- Where will this money come from in my budget?.
- What expenses can I cut to afford these payments?
Success Strategy: Write out your repayment budget before borrowing a single dollar.
Also Read: 10 Best Cash Advance Apps Like Tilt (Formerly Empower)
Your Next Steps: Getting $1,300 Starting Right Now
You’ve read the strategies—now it’s time to act. Here’s your immediate action checklist:
Right This Moment:
- Download the Beem app and begin the application process (approximately 10 minutes).
- Take inventory of valuable items that can be sold (15 minutes).
- Check your credit card accounts for balance transfer offers (5 minutes).
- Calculate your next paycheck amount to determine if an employer advance is viable (2 minutes).
Within the Next Hour:
- Complete the Beem application and connect your bank account.
- Take photos of your top 5 most valuable items.
- Research current market values for those items.
- Draft compelling listings for online marketplaces.
Today:
- Post items for sale on multiple platforms.
- If applicable, schedule a meeting with HR about the paycheck advance.
- Call 211 to inquire about emergency assistance programs.
- If applicable, begin the 401(k) loan application process.
- Research personal loan options from online lenders and credit unions.
This Week:
- Follow up on all pending applications and inquiries.
- Respond immediately to all buyer inquiries.
- Complete item sales and transactions.
- Combine all funding sources to reach your $1,300 goal.
- Create a detailed repayment budget.
Also Read: How to Get Quick Cash When Broke in 2025
You’ve Got This
Needing $1,300 right now feels overwhelming, but as you’ve seen, there are numerous realistic paths to getting that money quickly. The key is to act quickly, stay focused, and combine strategies to achieve your goal.
Remember: Beem offers the fastest path to meet the bulk of your needs (up to $1,000 instantly), and you can reach the final $300 through quick item sales, a small supplement from another cash advance app, or any of the other strategies we’ve discussed.
You’re not alone in this situation, and you have more resources available than you probably realized before reading this guide. Take a deep breath, choose your strategy based on your timeline, and take that first action step right now.
The money you need is within reach. Let’s get you there.
