Lack of funds and bad credit: what a lousy combination, right? But if you’ve paid off your car, take heart. You can pawn your car through 800LoanMart for a fast cash loan, and your car will serve as collateral to secure the loan.

Now…when I say pawn your auto, don’t think of your run-of-the-mill pawn shop scenario. Nope. When you pawn with 800LoanMart, your car’s value per Kelly Blue Book standards will determine how much you can borrow. Bad credit isn’t even an issue with them. You really only need be at least 18 years old, and reside in California, Arizona, or New Mexico, and have a car that’s in reasonably good shape. Approval—and MONEY—time is usually less than one hour.

Hey, several thousand dollars in your wallet will really help out. And while you’re paying back that loan, here are some excellent strategies to prepare your self for future rainy days.

As for getting the approval process taken care of, apply online or call their toll-free number.