Need Money Now? Here are 13 Ways to Get Cash Today
Key takeaways
- Whatever your situation, there’s likely a resourceful way to get the money you need.
- The right option depends on how much you need, how fast you need it, and your ability to repay.
- Direct lenders like Advance America offer online applications with same-day funding* for approvals before 10:30 a.m. ET.
When you need cash now, your fastest options include applying for a short-term loan, selling unused items, picking up a quick gig, or borrowing from someone you trust. Let’s break down 13 legitimate ways to get money today.
1. Sell unused/unwanted items
From clothing to toys and tools, it's likely you have a few things lying around your house that you no longer need or are using. Selling these items is a simple, quick way to bring in extra cash.
Try listing them on platforms like Facebook Marketplace or Craigslist — or host a quick garage sale. You can also check out local consignment shops or secondhand stores. You may not make top dollar, but it’s more than you’d get giving stuff away for free.
2. Apply for a cash advance
Depending on your state, cash advances come in multiple forms. And you can choose the option that fits your borrowing needs, repayment ability, and comfort level. Some lenders, including Advance America, offer online applications and same-day funding.*
3. Deliver for DoorDash or Instacart
If you have a car, a tank of gas, and some spare time, delivering food or groceries through apps like DoorDash or Instacart can be a flexible way to earn money. You set your own hours, get paid per delivery, and can often cash out your earnings the same day you work.
Perks like customer tips and choosing your own schedule make it easy to fit around your life. In many areas, you can even start working the same day you sign up.
4. Consider an installment loan
If you need more than a few hundred dollars and want more time to repay, an installment loan could be a helpful option. These loans offer fixed payments over time, with amounts typically going up to $2,000 or more, depending on the lender.
Direct lenders, like Advance America, offer online applications and may provide same-day funding if you’re approved early in the day.
5. Sell gift cards
Have unused gift cards sitting around? You might be able to turn them into quick cash. If the store or restaurant isn’t one you plan to visit, websites like CardCash and GiftCash will pay you a percentage of the card's monetary value — sometimes as much as 90%.
Check out our guide on how to exchange gift cards for cash.
6. Consider a pawn shop loan
Pawn shop loans are short-term, secured loans where you use an item — like jewelry, electronics, or collectibles — as collateral. In exchange, you’ll receive a cash loan, typically up to 50% of the item’s value.
Just keep in mind: if you don’t repay the loan, the pawn shop keeps your item.
7. Offer to do odd jobs
Are you handy with furniture assembly, cleaning, or lawn work? Or maybe you have past plumbing, electrical, or HVAC experience. Whatever your skills might be, you can offer your services around the neighborhood or post on local community boards and social apps.
You don’t need to launch a side hustle — just helping a few people out can bring in some quick, honest income.
8. Open a personal line of credit
A personal line of credit is like an on-demand cash advance. Once open, your line is there for you to tap into as needed — without having to reapply every time you need cash. As long as you make payments on time and keep your account in good standing, your line of credit stays open, ensuring you always have access to available funds.
9. Request a payroll advance at work
If you’re a full-time or hourly employee with steady hours, your employer may offer a payroll advance. This means you can request a portion of your next paycheck early to help cover current expenses.
The advance is usually deducted automatically from your upcoming paycheck, so it’s important to make sure you’ll have enough hours or earnings to repay it.
10. Consider a title loan
If you own your car and have a clean title in hand, a car title loan may be an option to get same-day cash. This type of loan uses your vehicle as collateral, and the amount you qualify for is often between 25% and 50% of the car’s value.
You can keep driving your car while you make payments, but it’s important to know that if you don’t repay as agreed, the lender may have the right to take possession of your vehicle. As with any type of loan, a title loan can be helpful in the short-term — but be sure you fully understand the terms before moving forward.
11. Try rideshare driving
Driving for services like Uber or Lyft can be a flexible way to earn money quickly. According to Indeed, Uber drivers make an average of just under $20 per hour, plus tips, and you can typically cash out your earnings the same day.
12. Become a pet sitter
If you love dogs as much as I do, dog walking or pet sitting is a great way to earn extra cash. You can also list boarding services on websites like Rover or Facebook Marketplace, offering to watch people’s pets overnight in your own home.
13. Borrow from friends and family
Asking for help isn’t always easy, but a trusted friend or relative may be an option when you’re in a pinch. In many cases, loved ones won’t charge interest or expect payment right away.
Just be clear about your plan to pay them back so it feels fair on both sides. A little communication goes a long way in maintaining trust and respect.
🔗 Related: Get Help Paying Bills This Month
FAQs
What is the fastest way to get money today?
The fastest ways to get money today include applying for a same-day emergency loan, borrowing from a trusted friend or family member, or picking up a quick gig like food delivery.
Is it okay to borrow from friends and family?
Yes, as long as you have a good relationship and aren’t putting them in a bind. Be honest about your needs, respectful of their generosity, and aim to repay them as quickly as possible.
Are payday loans a safe way to get money today?
Yes, a payday loan from a trusted lender like Advance America is a safe, effective, and convenient way to get money as soon as today. Just be sure to review your loan agreement and repayment terms to ensure you can afford to repay the loan in full on your next payday.
What should I look for when choosing a lender?
Look for a licensed lender with transparent terms, no hidden fees, and a reputation you can trust. Check reviews on unbiased sites like Trustpilot, and don’t be afraid to ask questions before you sign.
*All loans are subject to approval. Online approvals before 10:30 a.m. ET (Monday–Friday) are typically funded to your bank account by 5:00 p.m. ET the same day. Approvals after 10:30 a.m. ET are typically funded on the next business day.
Notice: Information provided in this article is for informational purposes only. Consult your attorney or financial advisor about your financial circumstances.
About the author
Jalin Coblentz has contributed to Advance America since 2023. His experiences as a parent, full-time traveler, and skilled tradesman give him fresh insight into every personal finance topic he explores.
