I Need Money Now: 35 Easy Ways To Get Quick Cash Today

I bet most of you have been in situations where the I need money now issue is on your mind day and night. Being short on cash happens to almost everyone at a certain point.

The good news is that there are many things you can do if you’re looking for emergency cash immediately. More importantly, you can quickly make money without relying on payday loans with high-interest rates.

After all, increasing your cash flow fast without finding yourself in a never-ending cycle of debt is achievable. Whether you monetize your hobby or sell stuff you no longer need, you can unstick yourself from an unfortunate financial situation.

Nowadays, there are plenty of ways to make extra money faster than you can imagine. In this article, I’ll provide plenty of solutions to boost the contents of your wallet.

This post contains affiliate links – see my affiliate disclosure for more info.

I Need Money Now, Please, Help Me! Should I Get A Loan?

When facing an impossible financial situation, most people believe there is only one solution to their problem – getting a loan. Borrowing money is not the worst thing you can do if you have to find some cash as soon as possible.

With that said, you should NEVER get a payday loan. Payday loans are short-term loans anyone can get without the lender checking their credit score.

Securing a payday loan is incredibly easy and might seem like a great idea, but it’s not, since such a loan comes with ridiculous fees.

Instead of resorting to a payday loan, get a different kind that offers better conditions for you. Your loan options are:

A Personal Loan

A personal loan from a credit union or bank is not a bad idea, considering it’s a fixed amount of money at a fixed rate. However, that’s not the only solution to meet your financial needs:

An online loan is worth considering since it allows you to secure an emergency loan faster. After all, online lenders can review your application information today, and you can receive the cash the following business day.

Not every direct lender will agree to work with you if you have a poor credit history, although you can find someone who isn’t interested in a credit check. People with good credit don’t have to worry about that!

A Credit Builder Loan

Is getting a credit builder loan better than borrowing money from a family member? Maybe it is:

Credit builder loans will not send the entire amount to your bank account. Instead, funds will arrive in a secure account, and you’ll make regular payments.

An Installment Loan

Installment loans are an option for people with poor credit scores. Not everything about them is good news:

Generally, you should always review the interest rates of this type of loan before using it. I suggest carefully reading the loan term (the loan agreement) to avoid high interest rates and additional fees.

A Retirement Loan

Do you have a retirement account? If you do, consider borrowing money from it – you can pay it back with low interest.

A Credit Card Cash Advance

A credit card cash advance will save money and help you avoid high-interest rates. Such a quick loan is a good idea if your emergency fund is nowhere to be found.

Alternatively, you can use cash advance apps since most won’t check your credit report or expose you to late fees.

What’s the most important information to remember when working with financial institutions to secure a loan? A number of factors will affect the application process, especially when pursuing higher loan amounts:

Avoid going through a hard time and experiencing credit difficulties by choosing a loan with flexible repayment terms and a service provider that can guarantee excellent customer service.

How To Avoid Risky Loans

Paying an emergency expense or medical bills through a loan doesn’t have to become a nightmare. Many ways exist to protect yourself when using financial products while avoiding bad credit loans.

As you already know, some fast cash options are not a great idea when dealing with alternative forms of credit. Many payday loans, pawn shop loans, and car title loans (risking your motor vehicle) must be your last resort.

Not all payday lenders are individuals you can trust. You should never work with third-party lenders who are dishonest about the approval process, transfer fee, the total lump sum, or the maximum loan amount possible.

Credit bureaus and national databases exist for a reason – research available lenders to avoid any issues.

35 Ways To Make Quick Cash

1) Use Cash Back Apps

Using cashback apps is probably the best way to bag some free money. On top of that, many apps will give you instant money just for signing up!

A cashback app is a money-making tool that will let you earn with little effort. Cashback apps will pay you money back for the shopping you’re already doing anyway.

Two of the most popular cashback apps I recommend are Rakuten and Fetch Rewards.

2) Do Microtasks With Amazon MTurk

Amazon MTurk is an online platform you can join to do small tasks for extra money. The site will give you access to many tasks you might choose to do to earn extra cash.

Some tasks on MTurk are data entry, video transcription, image tagging, market research studies, and moderation.

While Amazon MTurk won’t make you wealthy, the platform is worth considering since it won’t take much time.

Related: How To Make Money On Amazon (For Beginners)

3) Join Short Task Sites To Earn Extra Money Fast

Nowadays, plenty of short-task sites will assist you with handling the I need money now situation. Each requires a few minutes of your time to make money on the side.

You’ll have to complete different short tasks depending on the site you choose to work with. Popular tasks you can do for money are watching videos, shopping online, and referring friends.

Spare a few minutes to see 70 short task sites for money-making opportunities.

4) Take Surveys Online

Taking surveys is not the most exciting way to make money online. Still, doing surveys is an excellent idea when you have to increase your income sooner rather than later.

Some surveys might only pay you cents. However, you can also find surveys to earn at least a few dollars.

PrizeRebel is one of the best survey platforms you can join today – read my PrizeRebel review to learn more about the platform.

See Also: Swagbucks Review

5) Play Games On Your Phone

Playing games on your phone is probably the easiest way to supplement your income. I mean, all you’ll have to do is play on your phone every time you have a minute to spare.

It might be hard to believe, but many legitimate games will pay you – most offer instant payouts.

As a rule of thumb, the more you play your favorite games, the more money you’ll earn.

6) Exchange Gift Cards For Cash

Raise your hand if you have at least half a dozen unused gift cards in your home – I’m raising my hand as well!

Here is an idea – why not exchange these gift cards for cash? What’s the point of keeping them when you can turn them into instant cash?

Platforms like CardCash and GiftCash will give you money in exchange for your gift cards, so don’t hesitate to take advantage of them.

7) Sell Items Online You No Longer Need

Everyone has things in their home that they no longer use. Selling unnecessary items online is one of the easiest ways to get money today.

Look around and create a mental list of all the things in your home you haven’t used in years – the list can go on and on!

Listing items for sale you don’t need anymore is a great way to earn cash fast – it will also free up your living space!

Related Read:

• 23 Platforms You Can Use To Sell Used Furniture
• 25 Places Where You Can Sell Your Clothes
• 22 Ways To Sell Your Pokemon Cards

8) Sell Old Electronics To Earn Over $100

Old electronics deserve a paragraph since selling such items can make you a couple of hundred dollars. Do you have old electronics you won’t mind getting rid of for cash?

Assuming you do, there are a couple of places to list that old electronic for sale. For instance, Gazelle, Swappa, and Decluttr are good sites you can join to sell old electronic items.

Electronic stuff that sells well is phones, laptops, cameras, watches, video games, and even power tools.

9) Have A Garage Sale

These days, shopping online is a regular activity for most people. However, you can find customers outside of the online world as well.

Having a garage sale to transform items into fast cash has certain advantages – you won’t have to spend time taking photos of the items and optimizing their descriptions to attract a larger crowd.

On the downside, a garage sale will reach far fewer people than an online one – you’re the one to decide whether a garage sale is a good option for you.

10) Babysit

Quite frankly, babysitting is a popular method to make extra money fast. Who hasn’t resorted to a babysitting gig at a time?

Getting a babysitting side job should be easy – spread the word among family, friends, and people you know in your living area.

If that doesn’t work, check Care.com – Care is a platform where you can create a profile and list your babysitting services for sale.

11) Dog Sitting

Since we’re still talking about care-providing services, let’s cover dog sitting, shall we? Taking care of pets is a dream job for anyone who is an animal lover.

Sometimes, dog owners must leave their pets for a prolonged time. Subsequently, someone else has to pick up the slack.

Rover is one of the most popular companies that offer dog-sitting positions. Join Rover, create a profile, list your services, and pick your pay rate and working hours.

12) Cut Down Your Bills With Trim ($100)

Are you aware that there are incredible money-making apps that will help you save tons of money on your bills? Those who are not should learn more about Trim ASAP.

Millions of people subscribe to services and end up not using them actively. Paying for a service you don’t need is a waste of money.

Well, Trim can give you a hand with that – the app will go through your bank statements and cancel unused subscriptions. Trim alone can save you over $100.

13) Ask For Overtime At Your Full-Time Job

Nowadays, there are many ways to earn money when you don’t have a job. Still, most people prefer having a nine-to-five occupation and the security its paycheck provides.

So, those with full-time jobs can boost their income with a single move. And that move is asking for overtime.

Getting paid for a couple of extra hours each week can go a long way when you’re in an unpleasant financial emergency.

14) Ask For Paycheck Advance

Aside from overtime at your workplace, you can also ask to receive a portion of your earnings in advance – a paycheck advance.

Being on good terms with your employer is always great – that employer will most likely agree to grant you a paycheck advance.

I suggest asking for an advance only when there is no other financial solution – constantly doing it may negatively affect how your employer sees you.

15) Start A Side Hustle

By all means, starting a side hustle is one of the best things you can do to ensure you’ll have a source of extra income when you need it. There is a reason why the gig economy is through the roof these days!

Many side hustles can earn you over $1,000 a month. Such side hustles are transcription, voice-over, selling on Amazon, mystery shopping, and many other money-making ideas.

Choose a side hustle you enjoy doing – that will sustain your excitement to keep developing your side hustle on days when you don’t feel like doing extra work.

See Also: Top Side Hustles To Start As A Man

16) Turn Your Hobby Into A Thriving Business

Chances are, most of you have at least one hobby. Now, are you spending time on this hobby just because it entertains you?

Hopefully, you’re thinking about turning your hobby into a source of income – that’s the smart thing to do, considering many hobbies can also bring you money if you turn them into a business venture.

Do you enjoy creating crafts? Great, but do you know how well most crafts sell on platforms like Etsy? You get the idea.

17) Get A Freelance Writing Job

Are you wondering why freelance writing is not in the side hustle or money-making hobbies paragraphs? Here is why:

Freelance writing is an online typing job that can start making you money as soon as today. Working as a freelance writer comes with the possibility of earning per piece of content.

Hundreds of sites will hire you to write, even if you don’t have lots of experience in the field. Also, some magazines pay over $1,000 per article, so writing on a freelance basis is worth the time and effort.

Related: How To Get Paid To Write Reviews

18) Become A Proofreader

Proofreading can be more than a part-time job – professional proofreaders make over $50 an hour.

Your job as a proofreader will be to correct grammar and spelling mistakes in written documents. Anyone can become a proofreader fast with the proper training:

Proofread Anywhere by Caitlin Pyle is one of the best teaching courses you can get – sign up for the 78-minute-long Free Proofread Anywhere Workshop.

19) Sell Digital Products

Don’t avoid the thought of selling digital products online because you think they’re difficult to create – they’re not.

Tools like Canva will allow you to create many different digital products. For instance, you can make and sell digital planners, eBooks, calendars, printables, etc.

One of the best things about creating and selling digital products is that such a business can become a source of passive income – yes, you’ll make money while you sleep!

20) Affiliate Marketing

Affiliate marketing has many advantages and can start making money relatively fast. But you’ll need to learn the basics of the business model to be successful in it.

Take this free training to become familiar with the fundamentals of affiliate marketing and begin promoting products soon.

21) Start An Online Store

Opening an online shop has the potential to turn into a five and even six-figure business. More importantly, some online store-hosting platforms will let you launch a shop without cost.

Currently, Shopify will allow you to launch an online store free of charge – the site offers a free trial you can take advantage of immediately.

Once the trial expires, choose any Shopify plan that makes sense for your business needs – most of these plans are pretty affordable.

22) Become A Virtual Assistant

A virtual assistant is a person who helps people and companies to their businesses from a remote location.

Virtual assistants complete different tasks, such as scheduling phone calls, managing social media, increasing the brand’s presence online, etc.

On average, virtual assistants earn over $35 an hour.

Related: 35+ Jobs That Pay $40 an Hour

23) Tutor

Is there a subject you’re an expert on, or do you have enough knowledge to teach it to other people? If there is, how do you feel about getting a tutoring gig online?

Tutoring is a high-paying online job – you can earn up to $100 an hour.

Check Preply for available tutoring jobs when ready to get into the tutoring business.

Related Read:

• Should You Teach English With VIPKID?
• Best Companies To Join To Teach English Online
• 30 Ways To Make Money Doing Homework

24) Freelance On Fiverr Or Upwork

Above all, there are many ways to make money as a freelancer online. Fiverr and Upwork are two of the best platforms for that.

Creating an account on Fiverr and Upwork is free. You can start with one of these sites or create a presence on both.

Choose a service you want to offer, pick your pay rate, and begin making money working at times that are convenient for you.

25) Sell Photos Online

Are your photography skills something most people close to you envy? Assuming they are, why not take a photography job that pays well?

Or how about selling your high-quality images online since many platforms will allow you to list photos for sale?

Another way to make money with photos is by selling feet pics. Sites like Feetify and FeetFinder will allow you to earn quite well for every foot pic you sell.

Related: 35 Top Apps To Sell Feet Pics

26) Review Products With UserTesting

Sharing your opinion on different products is an extra income idea that thousands of people use to earn money. UserTesting exists to let you do that.

Companies need honest feedback that will help them improve their products. So, these companies don’t mind paying people for such feedback.

Join UserTesting and start reviewing products for cash – you can make up to $50 per test.

27) Monetize Your Social Media Accounts

Are you using your Social Media accounts just for fun? Because if you do that, you’re leaving money on the table:

Services like SubscribeStar and Buy Me a Coffee will help you monetize your social media following. People who enjoy your content on social media can provide monetary support and help you earn money.

Social Sale Rep is another option to make money on social media – learn about the opportunity here.

Related Read:

• 15 Ways To Monetize Your Twitter Account
• How To Make Money On Pinterest Without A Blog
• Why You Should Avoid These Social Media Jobs

28) Make Fast Money With Netflix

Yes, the opportunity to earn money while watching Netflix is real:

It might be hard to believe, but Netflix will allow you to earn cash in many ways.

To clarify, working as a Netflix tagger is just one of the ways to earn on the platform – check the rest when you have the time.

29) Rent Out A Room

It doesn’t make sense to keep an extra room empty when you can rent it out to earn quick cash.

Renting out a room is an excellent earning method when you need money urgently. Airbnb is one of the most popular platforms for that.

Before you offer your extra room for rent, do some research to make sure your asking price is relevant to the condition of the rental market at the moment.

30) Rent Out A Car

How often do you use your car? Those who can live without their vehicles for a while should think about renting them out to other people.

Turo is an excellent company you can use to rent out your car – creating an account is an activity that will only take a minute of your time.

Choose a competitive rent price and ensure your car is in good condition before you offer it for rent.

31) Advertise On Your Car

Renting out your car is not the only way to make money with your vehicle – you can also turn your car into a moving billboard.

Wrapping your car in advertisements is a lucrative side hustle that can earn you up to $1,000 monthly in extra income.

Check 10 legitimate companies you can join to get paid to advertise on your car.

32) Drive For Lyft Or Uber

Do I have to be the one to tell you that driving for a rideshare company is an excellent way to earn cash fast? I don’t think so:

Owning a car in good condition is the main requirement to work for companies like Uber or Lyft.

Taking strangers for a ride will improve your financial situation – it can also be a fun way to spend your time behind the wheel.

33) Deliver Takeout Or Groceries

Another way to make money with nothing other than your driving skills is by delivering groceries or takeout.

These days, there are many food delivery apps you can download and use to earn money doing home deliveries. Such apps are Uber Eats, Instacart, and DoorDash.

You’ll need to own a car and a smartphone to begin working with any of these companies. Also, you’ll have to go through a background check.

34) Earn Over $100 With TaskRabbit

TaskRabbit is a company you can join to make money doing handiwork. For example, you’ll assemble furniture, help people move, paint houses, and do similar activities for TaskRabbit.

Start using TaskRabbit by downloading the app on your phone. Once you do that, regularly check the app for available tasks.

There is much more you should know about TaskRabbit – learn everything there is to know about the company from my TaskRabbit review.

35) Ask Friends And Family For A Loan

Say what you will, but getting a personal loan from people close to you is probably the best thing to do when you need money now.

While not everyone might be fond of the idea of borrowing money from loved ones, sometimes that’s the smartest thing you can do:

Such a loan usually doesn’t come with interest, and you can relax knowing a bank won’t be breathing down your neck.

Get Money Now – My Closing

At this point, the I need money now situation is not supposed to be bothering you anymore:

Several ways to get cash fast will work for you instead of debt consolidation or bank loans.

Which earning-money-fast way is your favorite? What questions do you have on this topic?

You know how the comments section works, so don’t hesitate to use it.

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