There are a million and one reasons why a person may find themselves in the position where they need a large chunk of money, and they need it fast.

The water heater in your home could break, your car may need immediate mechanical work, or you may just need money to get through your every life regimen.

Whatever the reason or need, finding money when there is none is a common challenge for Americans today.  Here are a few ways to find money when you’re short on cash.

Take out a home equity loan

Depending on just how much money you need, you may be able to take a HELOC loan out on your home.  Of course, this isn’t an option if you’re not a homeowner, but there are other options.

If you are a homeowner, you may also want to consider refinancing your mortgage.  If you’ve been paying on your home for some time, refinancing your mortgage could save you hundreds of dollars each month.

You could pawn some expendables

It’s been proven that, for the most part, nearly every home in America has more than one television.  Most homes have several different mobile devices, and gaming systems are everywhere.

It’s likely that you have something in your home that is worth money, and pawning your stuff puts money in your hand immediately.  Just make sure you keep up with your payments, or you could run the risk of losing your stuff.

Use or apply for a credit card

If you have a recurring source of income and some sort of credit, you can likely be approved for a small line of credit.  Getting a credit card may seem easy, but it’s essential that you keep up with your payments.  You could find yourself in worse debt otherwise.

Drive for Uber or Lyft

You can make some fast money by working for Uber or Lyft.  If you don’t mind driving strangers around town, you could gather together some extra funds pretty quickly.

Though there may be a lot of negative press surrounding the two companies right now, it’s really the perfect time to capitalize on the gap in the driving force.  There’s a significant opportunity to make money with both of these organizations.

Apply for a small loan from your bank

If you have a good relationship with your bank, you could consider applying for a personal loan.  Your bank will likely give you a bit of a better interest rate on the loan, and you will have less trouble coming up with the payment each month.  The most important tip to remember is to not put yourself in a risky financial position when you’re already struggling.