This holiday season, rising prices are impacting expected spending, with people planning to spend about $900 on gifts, food, and decorations. If you need extra cash, options like buy now, pay later apps or personal loans can help bridge the gap without breaking your budget.

Ideally, you’d have money saved up for the holidays, but if not, there may be a gap between your expectations and your budget. Going into debt for the holidays isn’t ideal, but some choose to do so for various reasons. Popular borrowing options include payroll advances, cash advance apps, buy now, pay later apps, credit cards, and personal loans.

Payroll advances allow you to access a portion of your upcoming paycheck early, with no interest or credit checks. Cash advance apps like Dave and Earnin offer small advances without credit checks, but can leave you short on cash in the future. Buy now, pay later apps like Klarna allow you to make purchases and pay in installments, but may charge high interest rates.

Credit cards are a common way to finance holiday expenses, offering a revolving line of credit and rewards on purchases. Some cards offer promotional 0% APR offers, but you need good credit to qualify. Personal loans are another option for borrowing larger sums, with lower rates than credit cards but potential origination fees.

To manage holiday expenses, set a budget, consider side gigs for extra income, and rethink your gifting strategy. Borrowing money can help, but it’s important to find ways to reduce expenses and free up extra cash for a healthier financial future.

Read more at Yahoo Finance: Need cash for the holidays? 5 ways to borrow money.