Do you need money now?
Life happens, and it isn’t uncommon for people to need quick cash at times. The good news is that there are many options in today’s world for procuring funds when you need money now. Even better, not all of them require you to borrow money.
Need money now? Here are 20 ways to get money when you need it.
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Ways to Earn Money When You Need it Now
1. Ridesharing Apps
Uber, Lyft, and Via are just a handful of the ridesharing apps out there, but they are among the most popular. These apps connect people looking for rides, which drivers like you provide.
It’s easy to sign up to be a rideshare driver. All you must do is decide which rideshare app you want to drive for, signup, and follow the instructions. You could start driving for a rideshare app in as little as a week after signing up and providing the company with your personal and vehicle information.
Once everything is set up, you log onto your app when you’re available to accept rides. When you accept a ride, you’ll pick the passenger up and then drop them off at their destination. After you do this, your account will be accredited, and eventually, you can withdraw your earnings. Many apps allow you to withdraw funds the same day you earn them.
Realistically, you can easily make a few hundred dollars per week as a rideshare driver. In general, you can start getting cash within two weeks of starting the process of becoming a driver for most rideshare apps. You must have car insurance and a newer vehicle to be eligible to become a rideshare driver.
2. Course Creation
If you have a teachable skill, why not get paid to teach it to others? And best of all, you don’t have to do it in person. You can join a platform like Udemy, which sells online courses. Udemy offers courses on just about anything, so the chances are you can teach something you already know.
Some of the skills you can teach include writing, web design, marketing, art, how to play instruments, and much more. All you do is join Udemy, follow the instructions to create a course, and then start selling it.
As for how much you can make, you can easily earn around $1,000-$2,000 per month. Selling online courses via Udemy can result in fast money and sustainable cash flow. However, creating a course will take some upfront work and may take longer to begin bringing in money.
3. Deliver Food
Like ridesharing apps, delivery food apps require you to sign up for an account, have a reliable form of transportation, and have a license, to name a few basic requirements. Once you’re all set, you can start accepting orders and delivering food for cash. A few of the top food delivery apps are DoorDash, UberEats, and GrubHub.
How much you earn depends on how far you have to deliver, whether or not you get tipped, and how many orders you pick up. If you work a few days per week, especially on the weekends, you can earn a few hundred dollars every week. Many apps also eventually allow you to get paid the same day for speedy cash.
4. Grocery Shopper
If you like shopping, you can earn money every week by being a grocery shopper for InstaCart or another grocery shopping service. InstaCart is the most popular grocery shopper app, and they operate in many areas. The signup process is quick and easy. Before you know it, you’ll be logging into your app, accepting orders, and then picking up groceries for your customers. Best of all, you’ll be getting paid for it.
5. Freelance Writing
If you can write, there are plenty of article writing sites that will allow you to make fast, easy money. Join a few sites that accept freelance writers, take orders, complete them, and then wait until those articles are approved. Once they are, you’ll be paid for them.
Many freelance writers can quickly start earning $100-$200 per week when they are first beginning. Best of all, you can start making money freelance writing within a week or two.
Check out this article to learn all about getting started with freelance writing.
Even if writing isn’t your thing, there are plenty of other in-demand freelance skills that you can use to make extra money. Some of the most sought-after skills include website design, marketing representative, marketing consulting, virtual assistant, and computer coding and/or programming, to name a few.
Freelancers can make significant money, and you can earn even more as you grow your client base. The easiest way to become a freelancer is to join a platform like UpWork or Fiverr. Another alternative is to create a website and advertise it across social media to prospective customers.
One of the best things about freelancing is you can start to make money within the first few days or weeks of launching your freelance career. Depending on the platform you join, you can get paid weekly or even daily in some cases.
7. Test Websites
Businesses of all kinds want to know whether their websites are user-friendly, but receiving customer feedback that isn’t biased is not that easy. As a result, some companies specialize in connecting businesses with website testers.
You can sign up to be a website tester with companies such as Analysis, UserTesting, and TryMyUi, to name a few. The way it works is simple; You test and reviews brand new sites, and you get paid to do it. You can easily make around $1-$10 per site you review. Best of all, you can do this whenever you want, and from anywhere you want.
You may not make as much money as with some of the other options already discussed, but testing websites is a great way to make some quick cash in between other life events.
8. Have a Yard Sale
If you want money within a day or two, then one of the top ways to do it is by having a yard sale.
Gather up anything and everything you don’t use anymore or you don’t want, and then put them up for sale. You can advertise your sale on social media, neighborhood sites like Nextdoor, and with signs on the streets around your place.
Remember to price your items commiserate with what is expected at yard sales, and don’t expect to get top dollar for everything. However, depending on how many items you sell, you could easily earn a couple of hundred dollars on the very first day of your yard sale.
9. Sell Your Stuff
If hosting a yard sale doesn’t appeal to you, then don’t worry. There are many other ways to sell unwanted items, with one of the best being Facebook.
Join groups that focus on letting people advertise their items for sale. Consider putting your things up for sale via Facebook Marketplace. Generally speaking, selling items via Facebook is probably one of the quickest and easiest ways to get cash when you need money now.
Aside from Facebook, you can also use Craigslist to buy and sell items in your local area. There are also many Craigslist alternatives out there for selling, with some targeted toward specific types of products.
Babysitting used to be thought of as being something teenagers do. While you can still find babysitting opportunities in your neighborhood or through family acquaintances, there are now a host of ways to earn fast cash through babysitting services.
As for how to find clients, you can join sites such as SitterCity and Care.com. These sites have a constant flow of parents looking for babysitters. After you create your profile and are verified, you’ll be on your way to earning good money.
11. Rent Your Home or a Room
House hacking is a great way to bring in some significant cash when you need it.
If you own a home and have an extra bedroom, you can rent it out by listing it on sites like Airbnb. If you want to make even more money, then offer to rent your entire property out. All you do is take a few pictures of your place, and then you create a listing that describes your space. Once everything is ready to go, all you do is keep an eye on your account because you’ll need to accept reservations as they come in.
If short-term rentals aren’t your thing, you could also look to rent a room out in your home on a long-term basis by getting a roommate. Depending on the space, you could bring in $400-$700 a month by renting out a room.
12. Take Surveys
There is no shortage of sites that pay you to take surveys. The downside to doing surveys for money is they rarely pay good money, and you’ll likely only earn a few dollars at a time doing it.
Having said that, if you don’t need a lot of money, then taking surveys might be worth your while. Realistically, you will probably earn a maximum of $50 or so per week taking surveys, and only if you spend hours taking them.
A survey-taking tip is to sign up for as many sites as possible because this will increase your chances of finding surveys you qualify for. Survey Junkie is one of the most popular survey sites, along with Swagbucks and a few others.
13. Rent Your Car
Do you have an extra car or a car you rarely use? Another fast way to get money when you need it is to rent your vehicle out.
Sites like Turo and Hyre Car allow you to rent your car out to others and make a few bucks doing it. If you live near a major tourist attraction or a major city, then you have a good chance of making decent money renting your car.
Now is a perfect time to rent your vehicle, as the pandemic has resulted in a rental car shortage.
14. Dog Walker
Do you like dogs? What if you could get paid to hang out with dogs? You can by becoming a dog walker.
You can use a site like Wag or Rover to find people who need their dogs walked or to find dog-sitting jobs. You can easily earn hundreds weekly, especially if you live near or can travel to a major city.
15. Gig Apps
Aside from the various gig economy jobs we’ve already discussed, several other popular gig apps allow you to make $5-$20 at a time for completing simple tasks.
Apps like EasyShift, Field Agent and TaskRabbit will pay you a small amount for completing simple tasks. These tasks may be taking pictures and writing descriptions of apartments for rent, taking pictures of beverage aisles in supermarkets, and many other easy tasks.
These jobs typically take no more than 20 minutes, and you can stack tasks back-to-back for further efficiency. Once your task is approved, funds will be added to your account that you can typically withdraw quickly.
16. Gig Work
Not all gigs come via gig apps. There are many people looking for people to complete tasks on a one-time basis for some quick cash under the table. These tasks may include yard work, repair or handy person work, cleaning, labor jobs, and many others.
One of the best ways to find gig work is to look at the Gigs section on Craigslist and Craigslist alternatives. Send an email to jobs you’re interested in and get started making some extra cash.
If you can play an instrument, speak a language, or are good with school subjects or taking tests, then you could make some good money as a tutor. And the best part is you don’t need to have a degree to become a tutor.
There are several ways you can approach tutoring. You can tutor online by teaching English with VIPKid or joining a local tutoring program and tutor in person. A quick Google search should reveal tutoring programs in your area that are hiring, or you can look on a site like Craigslist.
Alternatively, you can try to find your own tutoring clients by advertising your services locally on social media, Craigslist, flyers, and through other means.
Tutors can make anywhere from $15 to $50 or more an hour, depending on your expertise, experience, and whether you work through an agency or on your own.
18. CashBack Credit Cards and Cashback Sites
This last way to earn money when you need it now is a bit different than the others. Rather than working for money, cashback credit cards and sites allow you to earn money by spending on the card or through the site and earning cashback over time.
Cashback cards like the Chase Freedom Unlimited allow you to earn a percentage of cash back for every purchase you make with the card. These rewards credit cards typically give you between 1.5% and 5% cashback, depending on the card, spending category, and any promotions or bonuses.
Similarly, cashback sites like Rakuten allow you to earn a percentage of cashback on money spent using their portal. If you prefer online shopping, try shopping through cashback sites and earn rewards for the money you would already be spending anyway.
If you’re in a pinch and need money now, it may be worth it to cash out any cash back rewards you’ve earned with a credit card or a cashback site. Just make sure you utilize credit cards, and cashback sites for spending you would already be doing, and make sure to pay off any credit card bills every month so you don’t cancel out any rewards you might earn by paying interest.
Ways to Borrow Money When You Need it Now
If you cannot earn money using the above suggestions, or you need more than can be earned quickly, you may need to consider borrowing money. However, know that earning the money you need is preferable to borrowing it, so the above methods should be tried before you consider the following options.
19. Borrow from Family/Friends
If you need money now, one potential way to get it would be to borrow from family or friends. This option is probably best for smaller amounts of money, up to perhaps a few hundred dollars. You want to make sure you pay the money back as soon as possible or offer another way to pay off your debt.
You don’t want to ruin your relationships with family and friends by borrowing money and then not paying it back or offering compensation in some way. You also don’t want to get to a place where you are relying on family/friend loans regularly.
Use family and friends sparingly for money, for smaller amounts, and make sure you offer some way to pay them back.
20. Personal Loans
If you need a larger amount of money or don’t want to be reliant on friends or family, personal loans are likely your best bet.
Personal loans can be gotten through banks and credit unions, as well as other lenders. These loans range from a few hundred dollars to thousands of dollars. Make sure to borrow only what you need and to use personal loans sparingly when you need money now and have no other options for getting it. Also, pay attention to the interest rate you’re being charged and any fees for originating the loan.
Another potential option is peer-to-peer lending (P2P), where you can borrow money from private individuals via an online service. The benefit of P2P lending is that it often comes with lower overhead, so you may be able to get the loan for cheaper than you would at traditional financial institutions.
21. 0% APR Credit Card Offers
The last potential option for borrowing money when you need it now is to take advantage of 0% APR credit card offers. While credit cards come with risks, there are plenty of ways to make them work for you, and 0% APR introductory periods are one of them.
While you’ll likely only have access to these offers if you have a good credit score, there are regular offers of 0% interest for 6 to 12 months on various cards. This means you can make purchases and carry a balance for the 0% APR period without paying interest. The 0% period allows you several months to get back on your feet.
Just make sure you pay your card off BEFORE the 0% period ends, or you’re likely to be hit with all the interest starting from the time when you made your first purchase.
A Word About Payday Loans
Many people are tempted to apply for a payday loan when they need money now, so we’d be remiss if we didn’t mention them.
However, payday loan companies are some of the most predatory financial institutions in this country and do a great deal more harm than good. Before you even consider a payday loan, you should try out the previously discussed ways to get money fast, including other ways to borrow money.
Payday loans should be the very last option when you need money fast after all others have been tried and exhausted. Although these loans may be easier to qualify for, there’s a good chance you’ll end up in even more debt due to the extremely high interest rates.
Moral of the Story
It’s likely that at least once in your lifetime, you’ll be in a position where you need money now, and luckily, there are a lot of options for getting that money.
We’ve detailed the top 21 ways to get cash when you need it, including 18 ways to earn money and 3 ways to borrow it. Try one or several of these ways to get money fast.
Need money now? Which method for getting fast cash will you try?