19 Ways to Find Fast Cash - NerdWallet (2023)

You need cash now, but payday is days or weeks in the distance. What do you do?

Panic and stress are natural reactions. Once those subside, you’ll find there are ways to get your hands on quick cash, without falling prey to scams.

19 Ways to Find Fast Cash - NerdWallet (1)

1. Sell spare electronics

You can sell your used phone or tablet on sites such as Swappa and Gazelle, but to get money now, using an ecoATM kiosk is your best bet. Consider selling old MP3 players and laptops, too.

2. Sell your gift cards

Exchange websites offer cash for gift cards. The site CardCash pays up to 92% of a card’s value. GiftCash is another option. Most sites like these take a few days to issue payment, especially if the card needs to be mailed in. CardCash’s website says some cards can be transferred online though, which can lead to faster cash.

3. Pawn something

As a way to borrow money, pawnshop loans are not great. But they’re quick, and if you can’t repay the loan, the pawnshop simply keeps the item you used as collateral. That’s a lot better than ruined credit and calls from debt collectors. You can often sell outright instead of borrowing against an item. Jewelry, musical instruments, firearms and up-to-date electronics fare best.

4. Work today for fast cash today

Searching for this phrase online turns up lots of results. We've researched 25 legitimate side jobs that can provide a quick income boost, ranging from driving passengers or packages to freelancing from home.

(Video) 19 Ways to Find Fast Cash (Make Money Online From Home 2022)

You can also try the Craigslist jobs or gigs sections, which often have postings for short-term work in food service, housekeeping and general labor.

5. Seek community loans and assistance

Local community organizations may offer loans or short-term assistance to help with rent, utilities or other emergency needs. NerdWallet has compiled a database of payday loan alternatives available to residents in each state. Local churches may make small loans at low rates. Community centers and nonprofit associations in your area may also offer small loans.

6. Ask for forbearance on bills

Some creditors such as utilities and cable television companies don’t charge interest on late payments, so find out whether they’ll accept delayed payments. Use whatever money you save from not paying those bills to cover emergency needs. If you can't pay consumer debts such as auto loans or mortgages, explore your options with the lender first before turning to toxic high-rate loans.

7. Request a payroll advance

Ask your employer for a cash advance on your pay, which usually doesn’t cost you any fees and which you repay via payroll deduction. Some companies also offer low-cost loans to workers in crises. You also might consider Earnin, an app that offers workers advances that they repay in a lump sum on payday at no interest. It does ask for a voluntary donation, though, and requires access to your bank account and work time sheets.

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8. Take a loan from your retirement account

You can take a loan on your 401(k) or individual retirement account, but there are conditions. You can borrow from your IRA once a year if you repay the money within 60 days, but it can be a complicated maneuver. If your employer allows 401(k) loans — not all do — you typically can borrow as much as half your account balance, up to $50,000, and you have five years to repay it. However, if you don’t make timely payments, the loan may be considered taxable income. And if you quit or lose your job, you may be required to repay the 401(k) loan shortly thereafter.

9. Borrow against life insurance

If you have a life insurance policy that has cash value, sometimes called permanent life insurance, you can borrow against it and have the rest of your life to repay it. If you don’t repay, the insurance company subtracts the money from the policy payout when you die. But you can’t borrow against a term life insurance policy, which is the more common type.

10. Use a credit card cash advance

If you have a credit card and the account is in good standing, a cash advance is a much less expensive option than a high-interest payday loan. You’ll pay a fee, typically around 5% of the amount you borrow, plus interest, which can be around 30%.

11. Look for a payday alternative loan

Some credit unions offer small, short-term cash advances known as payday alternative loans. Federally chartered credit unions legally can’t charge more than a 28% annual percentage rate on PALs. That's not cheap, but it's much better than payday loans, which have triple-digit APRs.

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12. Take out a personal loan

Some lenders can fund a personal loan in a day; if you have good credit, you’ll probably have many choices. If your credit is a challenge, you’ll need to find a lender that not only delivers fast cash but also accepts poor credit. Rates for borrowers with bad credit from mainstream lenders top out at 36% APR. You may find other lenders offering fast funding without a credit check, but you’ll pay triple-digit interest rates. Don’t fall for it.

13. Rent out a room

Sites like Airbnb aren’t just for people who have vacation homes to rent out when they’re not using them. Many of the site’s listings are for extra rooms — or even shared rooms — in the owner’s house, meaning you could stay put while bringing in some quick cash, particularly if you live in a reasonably desirable area. Check local ordinances to make sure short-term rentals are allowed.

Creating a listing on the site is free, but there's a 3% service fee when a reservation is made. The company releases payment to the host 24 hours after the guests check in.

14. Moonlight as a dog sitter

Technology is on your side here, too, with sites including Care.com, Rover and Wag, that match pet owners with dog sitters and walkers. At Rover, you can choose to host the dog, stay at the owner’s house (and — here’s an idea — rent out your place through Airbnb while you’re gone) or do drop-in care visits. Rates for pet sitting at an owner’s home can range from $20 to $100 a night, depending on the size of your city and the services involved. (Not a dog person? See other hobbies that make money.)

15. Become a rideshare or delivery driver

These are jobs you can do in the evenings or on weekends, using your own car and gas, that can help you get money now. Become an Uber or Lyft driver to get matched with people willing to pay for a ride. Delivery services such as Gopuff and Postmates will pay you to deliver takeout and other items. A Postmates delivery driver earns just under $18 an hour on average, according to ZipRecruiter.

16. Cut your insurance premiums

One of the dirty secrets of the car insurance industry is that premiums for the same driver for the same coverage can vary by hundreds of dollars from company to company. Each insurer does its own math; that’s why it pays to compare car insurance quotes.

If you like your carrier, review the dozens of discounts it may have available. You could get 10% off or more for things like making good grades, completing defensive driving training or going at least three years without an accident.

The same is true for homeowners insurance. Shopping around can save you 10% to 15%, as can discounts for things like having a home security system, staying claim-free or being a nonsmoker. And many insurers offer discounts for buying both car and homeowners or renters policies with them.

17. Consolidate your debt

If you’re struggling to keep up with multiple debt payments, you may be able to consolidate those balances — from credit cards, medical bills, store financing or other charges — and lower your payments with a personal loan. Some lenders can fund the loan within a day. Refinancing $5,000 worth of debt from a 10% interest rate to 5% could save you more than $500 in interest if you need to carry the balance for at least four years.

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If you have good credit, you can do a balance transfer of high-interest credit card debt onto a new card with a 0% introductory interest rate. Make sure you can pay off the balance before the rate balloons at the end of the introductory period.

18. Refinance your student loans

Private student loan refinancing options are available for people with a range of credit scores. It’s worth checking whether a refinance could save you money on NerdWallet’s refi platform.

19. Change your cell phone plan

Switching cell phone providers is a good way to cut down on the cash leaving your pocket. Budget carriers like Visible and Mint Mobile offer plans with talk, text and data for as little as $30 and $15 a month, respectively. The catch with these services is you often have to buy a phone outright or bring your own. Check out the best cheap cell phone plans for more money-saving options.

Avoid risky loans

Don’t be fooled by the fast-cash options below. They all come with a catch that ends up costing you. Read on to know what you’re getting into if you have to go this route.

Payday loans: Payday loans are short-term loans that are made to people who have a source of income and a bank account and that are repaid in a lump sum. Interest is usually expressed as a “fee” — $10 to $30 per $100 borrowed is typical. But a typical $15 fee on a two-week loan amounts to nearly 400% interest on an annual basis.

Payday installment loans: Available at stores and online, these payday installment loans stretch repayment terms. You don’t need good credit; the products often are advertised as no-credit-check installment loans. But you typically must meet the requirements of a payday loan: a paycheck and a bank account. Interest charges hit hard over the long term: A $2,000, three-year loan at 400% APR will end up costing over $22,000 in interest.

Auto title loans: These short-term loans — in places where they’re legal — require you to hand over the title to your vehicle as collateral for the debt. If you don’t repay, the lender can seize your car.

Credit-building payday loans: Most payday lenders don’t report on-time payments to the big credit bureaus, so there's little positive impact on your credit score, according to the Consumer Financial Protection Bureau. Some lenders like Rise and Fig, offer installment loans at a lower cost and with credit reporting, but their rates are still higher than mainstream lenders.

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How can I get cash immediately? ›

If you need to borrow money immediately, the most popular options are personal loans, cash advances online, payday loans, pawn shop loans, and banks or credit unions. But be careful with cash loan options that promise you a quick loan with no credit check.

What apps let you borrow money immediately? ›

6 Loan Apps in 2023: Cash Advances and Overdraft Protection
  • Earnin: Best for low fees. ...
  • Dave: Best for repayment flexibility. ...
  • Brigit: Best for budgeting tools. ...
  • Empower: Best for fast cash. ...
  • Chime: Best for overdraft protection. ...
  • MoneyLion: Best for existing customers.
Nov 7, 2022

Do Cashapp let you borrow money? ›

If you've been looking into how to borrow money from Cash App, you're probably aware that it's an app that allows borrowers to access between $20 and $200 (max). Cash App provides a short-term loan that is paid back over a maximum of four weeks.

What app can I borrow $500 from? ›

Exprebucs app was designed to make borrowing online as soon as possible for you. You can get a cash advance of between $100 and $500 by starting with our short application for loan tool. Payday loans are short-term loans for small amounts of money.

How can I make money in one hour? ›

Sell something of value
  1. Sell your gently-used clothes to a thrift store. ...
  2. Sell sought-after gear to a pawnshop. ...
  3. Sell gold or other precious metals. ...
  4. Sell your spare change. ...
  5. Walk a dog or feed a pet while your neighbor is away. ...
  6. Babysit a kid for a great hourly rate. ...
  7. Whip your neighbor's yard into shape.
6 days ago

What app can loan me 250$ quick? ›

MoneyLion – Low cost $250 cash advances from a full-featured financial app. With MoneyLion Instacash, you can quickly borrow up to $250 with no credit check, no interest, and no monthly fee. Setup your MoneyLion account with InstaCash and you'll be instantly eligible for a $25 cash advance.

Which app gives instant loan in minutes? ›

With millions of app downloads and more than 7 million customers across the world, the Tala instant personal loan app offers trusted online mobile loans in minutes. Get instant personal cash loans in India without any documents – no salary slips, bank statements or credit score required (100% paperless process).

What is the easiest loan to get approved for? ›

The easiest loans to get approved for are payday loans, car title loans, pawnshop loans and personal loans with no credit check. These types of loans offer quick funding and have minimal requirements, so they're available to people with bad credit. They're also very expensive in most cases.

How can I borrow $200 from Cash App? ›

How To Use Cash App Borrow
  • Open the app and sign in.
  • Click on your account balance.
  • Click on 'Borrow'
  • Tap on 'Unlock'
  • Choose your repayment option.
  • Agree and accept.

How to borrow on PayPal? ›

The process is easy:
  1. Select your loan amount. ...
  2. Choose the percentage of your PayPal sales that will go toward repaying your loan and fee.
  3. If approved, the loan amount is deposited to your PayPal account within minutes.
  4. Repay automatically with a percentage of each sale until your balance is paid in full.

What is the easiest payday loan to get online? ›

Best Instant Loans Online Guaranteed Approval:
  • MoneyMutual: Best instant payday loan overall.
  • CashUSA: Excellent same day loan for high loan amounts.
  • BadCreditLoans: Best payday bad credit loans.
  • PersonalLoans: Best for fast personal loans.
  • Funds Joy: Best for quick payday loans.
Aug 10, 2022

What app will loan me $100? ›

Many apps like Dave will lend you $100 for an emergency. The key is to use apps that don't charge interest or fees and to pay the loan back quickly. Using personal loans occasionally to get through an emergency is okay, but don't make a habit of it. Apps like Brigit, PayActiv, and PockBox lend you money instantly.

What app lets you borrow $300? ›

Vola: Best for Same-Day Cash Advances Up to $300

Vola is one of a few loan apps to offer same-day cash advances of up to $300 with no credit check.

How do you unlock a borrow on cash App? ›

There's no way to “unlock” Cash App Borrow, you just have to make regular deposits so they see a pattern of money coming into the account. The maximum loan amount, $200, is available if you deposit at least $1,000 per month into your Cash App account.

Where can I find free money? ›

Here are 10 legitimate ways to get free money online:
  • Join a focus group.
  • Start some freelance work.
  • Review a mock trial.
  • Earn while you shop.
  • Sign up for surveys.
  • Watch videos.
  • Listen to music.
  • Play games.

How can I make money fast in 30 minutes? ›

Consider these 10 options:
  1. Sell your old tech — even the broken stuff. ...
  2. Get paid to take easy surveys. ...
  3. Sell your information (it's getting sold anyway) ...
  4. Coupon the lazy way. ...
  5. Test out websites for cash. ...
  6. Sell hair, semen or blood plasma. ...
  7. Babysit some tykes or tutor some teens. ...
  8. Sell that gift card you'll never use.
Jan 18, 2017

How can I make money fast overnight? ›

To help people looking for how to make money overnight free, we have taken time to search for foolproof methods where you can get quick cash.
  1. How to Make Money Overnight Using These Methods:
  2. Drop Shipping. ...
  3. Freelance Writing. ...
  4. Other Freelance Services Online. ...
  5. Writing and Selling an eBook. ...
  6. Driving with Uber.
Sep 1, 2022

What is the most cash App borrow? ›

The most you can borrow with Cash App is $200, and the longest term available is 4 weeks. On the other hand, Viva Payday Loans offers cash advances up to $5000, and the repayment terms range from 3 to 24 months, depending on the amount borrowed.

Which app gives loan instantly for low credit score? ›

Credy offers fast personal loans to customers with low credit score. While looking at an application, we go beyond looking at just the cibil score or the credit score, and look at your entire credit report, along with all the loans which you have taken in the past.

Can you borrow from venmo? ›

Venmo clearly states on their website that the company does not offer loans to users. So don't fall for any scams.

What apps have instant pay? ›

These apps that pay cash are all fun and easy.
  • Cashyy (Android Only)
  • Mistplay (Android Only)
  • Swagbucks.
  • MyPoints.
  • Kashkick.
  • InboxDollars.
  • DoorDash.
  • Drop.
Jan 31, 2023

Can you get a small loan with a 500 credit score? ›

It is possible to qualify for a personal loan with a poor credit and a credit score as low as 500, but your choices are very limited. The best way to get a personal loan with a 500 credit score is to start by checking to see if you pre-qualify for loans from major lenders.

What can I do if no one will give me a loan? ›

Using a credit card, getting a payday alternative loan from a credit union, or borrowing from family or friends are all options if you're not able to get cash through a personal loan. These options aren't perfect: Credit cards can have high interest rates, and getting loans from family can be risky.

What loan can I get with very poor credit? ›

Loans for people with bad credit
  • Payday loans. Payday lenders typically don't look at your credit when deciding if you're eligible for a loan. ...
  • Car title loans. Car title loans are also short-term loans that may be an option for people with bad credit. ...
  • Personal loans. ...
  • Peer-to-peer lending. ...
  • Payday alternative loans.
Oct 19, 2022

Can I borrow 25$ from Cash App? ›

With Cash App Borrow, you can borrow up to $200. The minimum loan amount is $20. You have up to four weeks plus a grace period of one week to repay the loan plus a 5% flat fee.

How to borrow money online? ›

With the advent of digital means and technological advancements, you can borrow money online in Nigeria using quick, easy, and convenient websites.
Top 12 Websites That Give Quick Loans in Nigeria
  1. PennyLender. ...
  2. Renmoney. ...
  3. GRoFIN. ...
  4. Alat-Wema. ...
  5. Rosabon Finance. ...
  6. FINT. ...
  7. Lydia.Co. ...
Dec 23, 2022

Does PayPal give cash advances? ›

PayPal loans definitely are a thing though

Even if you can't get a cash advance, there are three ways to borrow money from PayPal: PayPal business loans. PayPal working capital. PayPal credit.

Does PayPal do instant loans? ›

PayPal Credit is a unique credit option that provides consumers access to an instant line of credit at the time of checkout online.

Can you get a small loan from PayPal? ›

PayPal Working Capital is a business loan with one affordable, fixed fee. You repay the loan and fee with a percentage of your PayPal sales (minimum payment required every 90 days). There are no periodic interest charges, monthly bills, late fees, pre-payment fees, penalty fees, or any other fees.

How can I get a instant loan without proof of income? ›

Tips to Get a Personal Loan Without Income Proof
  1. Your Credit History. ...
  2. Build A Trust-worthy Identity. ...
  3. Provide Alternative Income Proof. ...
  4. Applying With A Co-Applicant. ...
  5. Going With A Lender With Simple Eligibility Criteria.
Jan 27, 2023

What's the easiest place to get a loan online? ›

Easiest Installment Loans to Get Online
  1. CashUSA.com. 4.7 /5.0 Stars. START NOW » Loans from $500 to $10,000. ...
  2. 24/7 Lending Group. 4.7 /5.0 Stars. START NOW » Personal loans from $500 to $35,000. ...
  3. CreditLoan.com. 4.6 /5.0 Stars. START NOW » Loans from $250 to $5,000. ...
  4. BadCreditLoans.com. 4.6 /5.0 Stars. START NOW »

What apps let you borrow money instantly no credit check? ›

$100 Loan Instant Apps: No Credit Check Required
  • Earnin.
  • Dave.
  • Brigit.
  • Payactiv.
  • Chime.
  • MoneyLion.
  • Albert.
Oct 28, 2022

What apps let you borrow money instantly without direct deposit? ›

What apps let you borrow money instantly without direct deposit?
  • Earnin: Best for low fees. ...
  • Dave: Best for repayment flexibility. ...
  • Brigit: Best for budgeting tools. ...
  • Empower: Best for fast cash. ...
  • Chime: Best for overdraft protection. ...
  • MoneyLion: Best for existing customers.

What app gives you $100 instantly? ›

CashSpotUSA is an instant cash advance app that offers instant loans starting at $100. You can get money the same day, and the application process takes only a few minutes.

What app will let me borrow $20 instantly? ›

With SpotMe®, get anywhere from $20 to $200 instantly3 with the Chime checking account. You'll get a Chime Checking Account and Visa Debit Card plus a Chime Credit Builder Visa® Credit Card, along with FDIC insurance for up to $250,000.


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