If you don't have enough cash in your bank account to cover an impending payment, consider the following options to avoid late fees, overdraft charges, or negative impacts on your credit score: Contact your lender or creditor: Reach out to your lender or creditor as soon as possible and explain your situation. They may be willing to work with you by offering a temporary payment plan, extending your due date, or waiving late fees. Transfer funds from other accounts: If you have money in other accounts, like savings or investments, you can transfer funds to your bank account to cover the payment. Keep in mind that there may be fees or tax implications for some transfers. Borrow from friends or family: If possible, consider borrowing money from friends or family to cover the payment temporarily. Be sure to discuss repayment terms and maintain clear communication to avoid damaging your relationships. Seek a personal loan or line of credit: You may be able to apply for a personal loan or line of credit to cover the payment. Keep in mind that interest rates and fees will apply, and you'll need to repay the borrowed amount. Use a credit card: In some cases, you might be able to use a credit card to make the payment, but this should be a last resort. Credit card interest rates are typically higher than other forms of credit, and using a credit card could lead to more debt. Review your budget: Reevaluate your budget and look for areas where you can cut expenses to free up funds for your payment.