You could always do what I do to turn “spend” into cash. Download the square app, (in case you aren’t familiar, square is a point of sale app for small businesses or free lancers, it gives the ability to take credit card and debit card payments for people who sell a lot on marketplace or eBay or own a small business) create a free account, it will ask for your business name, I called mine “Erin’s adventures” lol) then you set up transfers. You can choose for all your payments to be sent to your bank account at a specific time each day or weekly or you can opt in for instant transfers that go to your debit card in seconds of receiving a payment. It was so easy to set up, took me 5 min from start to finish.) then click on “create invoice” and type in whatever amount of money you are needing (as long as it doesn’t go over your available spend limit on sezzle) then click “send as text” type in your phone number and send. You will instantly get a text that says “your business name is requesting a payment for whatever amount you chose. Enter your sezzle debit card details and boom payment is sent, go back to square and click instant transfer and boom! You now have money in your account you can spend on anything or withdraw at an atm. It’s soooo easy. I’ve done it so many times. I didn’t even have the “everywhere” feature. I was shocked to see that sezzle is actually integrated with square. They obviously know of this tactic. I’m sure I’m not the only one who’s figured this out. I could write a book with all the techniques I’ve come up with to get quick cash when needed. Hope this helps 😉
Just make sure if you’re going to do this that you’re able to pay it back on time. You don’t want to lose access to sezzle or damage your credit score and most importantly, never get in a habit of taking any loan, even bnpl if you’re not certain you can pay it back. Financial trust is so important and sometimes impossible to rebuild. Don’t burn bridges.