Need Money Now? 14 Fast and Easy Ways to Get Cash Today

Running short on funds can be an incredibly stressful situation. Whether you’re facing an unexpected expense, medical bill, or car repair, or just having trouble making ends meet until your next paycheck, the need for cash today is, unfortunately, all too common. 

It’s estimated that as much as 57% of Americans are currently living paycheck to paycheck in 2025. If you’re like a lot of other people, then you’ve likely found yourself in a bind and need quick cash. 

The good news is that there are plenty of legitimate solutions if you need money now. We’re ranking in the top 14. ⭐

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MoneyLion makes exploring personal loans simple when you need cash. By compiling personalized partner offers, MoneyLion helps you find and compare loan options you could qualify for.

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Fast and easy ways to get money now 

When you’re short on cash, speed matters. Here are some of the fastest, most practical ways to get money today, with some options you could try within the next hour.

1. Look into instant cash advances

Some apps offer cash advances that allow you to access part of your upcoming paycheck at an earlier date without having to take out a loan. These services typically link to your bank account to verify your income, then let you withdraw a portion of what you’ve already earned, with the amount automatically repaid when your regular paycheck deposits.

👉 What is a Cash Advance and How Do They Work?

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If you need a portion of your money earlier, MoneyLion’s Instacash® can help you access up to $500 with no interest and no credit check.

MoneyLion’s optional Turbo delivery shows you how to get your cash fast, delivering funds within minutes for a fee. 

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2. Sell what you don’t need (and free up space while you’re at it)

That old jacket collecting dust in your closet? It could be someone else’s treasure – and your quick cash solution. When you need money fast, look around your home first.

Here’s how to turn your stuff into money now:

• Facebook Marketplace or OfferUp: Perfect for selling furniture, electronics, and clothing locally with options for same-day pickup and cash payment.

• Pawn shops: Get immediate cash for electronics, jewelry, or musical instruments. While you’ll receive less than retail value, the transaction is quick when you need money right now.
• EcoATM kiosks: Convert old phones and tablets to cash in minutes at these automated machines found in many grocery stores and malls.

💡Pro tip: Electronics, designer clothes, and quality furniture typically sell fastest and bring in the most cash when you need money fast. 

3. Request a payroll advance from your employer 

Some companies will provide an advance on your upcoming paycheck in cases of financial hardship or unexpected expenses. This can be a great solution if you need to get cash now, since most employers won’t charge interest or fees. The downside, however, is that your next paycheck will be smaller. Make sure to ask your employer or HR department if it’s an option for you. 

👉 What is Earned Wage Access?

4. Offer quick gig services locally or through apps

Your time and skills can translate to quick cash. You can offer services like tutoring, babysitting, and more by asking around or posting on local Facebook community groups.

• Pet services: Apps like Rover and Wag connect you with pet owners needing immediate walking or sitting services.
• Babysitting: Post availability on neighborhood apps like Nextdoor for same-day childcare opportunities that typically pay in cash.
• Yard work & cleaning: Offer quick services to neighbors that can net immediate payment.
• Gig apps: Consider signing up to do rideshare driving, food/package delivery, freelance tasks, moving help, repair work, and more to earn money instantly on apps like Uber, DoorDash, Fiverr, TaskRabbit, Instacart, etc. Just note that you may have to wait for background checks or payment processing when using a gig app. 

Many local service gigs pay in cash, which is ideal when you need money now instead of waiting for payment processing. You could also consider taking on a second job or exploring online opportunities that allow you to work from home. 

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Turn your spare time into spare cash! Explore side hustles you can do on your phone, paid referrals, and more – MoneyLion’s made it easy to make money online.

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5. Cash in unused gift cards

Turn those forgotten gift cards into quick money through platforms like CardCash or Raise. For even faster cash, sell to friends or family at 10 to 15% below face value; they get a discount while you get immediate money. 

👉 How to Trade Gift Cards for Cash

6. Return recent purchases for quick money

That recent purchase could be your financial lifeline when you need money today. Many major retailers like Target, Walmart, and Amazon offer generous return windows, with some like Costco extending even longer for certain items.

👉 Explore Ways to Get Money Fast Without a Loan

7. Look for community assistance programs 🤝

Local churches and nonprofit organizations sometimes have emergency cash assistance funds available. These programs may provide small grants or interest-free loans to community members experiencing temporary financial hardship due to job loss, medical bills, or other emergencies. 

Amounts tend to be limited, usually no more than a few hundred dollars, but can help cover basic needs like rent, utilities, or groceries in a crisis.

To find local assistance options, you can call 211 or visit 211.org, which connects people with support resources in their area. Another option is contacting local churches or religious organizations, or The Salvation Army to ask about cash assistance and other forms of help.

8. Consider online personal loans 

Some online lenders offer solutions for fast cash, but it’s important to keep in mind that the actual time to receive funds depends on your application strength, verification requirements, and your bank’s processing speed. 

For the most part, online lenders tend to work faster than traditional banks. In particular, it can be helpful to use a personal loan marketplace to learn about the different offers you could qualify for. 

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9. Borrow money from family and friends 

Consider reaching out to family and friends who might be willing or able to help. Just make sure to never borrow more than you can afford to repay or you may risk hurting the relationship. 

Start by setting up a payment plan so that your family or your friends will feel confident in your promise to pay back the money you borrow. You can also offer to trade services for cash, like mowing the lawn, taking care of the house, or even babysitting.

10. Withdraw cash from your credit card 

A credit card cash advance lets you withdraw cash immediately from ATMs using your existing credit card. While it can be convenient if you need to get cash now, be prepared for the hefty price tag: cash advance fees of 3% to 5%, interest rates are often higher than on regular purchases, and interest that starts accumulating instantly with no grace period.

👉What Is a Cash Advance on a Credit Card?

11. Request a credit card limit increase 

If you have good standing with your credit card company, requesting a limit increase could provide emergency breathing room. This isn’t “new money,” but it can help manage immediate expenses while you work on more sustainable solutions. 

Just be mindful that this extra available credit is for temporary relief, not an invitation to rack up debt that’ll have you searching “i need money now” again next month when that supersized bill arrives.

12. Negotiate with your creditors for payment extensions

When cash is tight, don’t hide from your bills. Many creditors offer hardship programs that can temporarily reduce payments, waive late fees, or extend due dates. A quick phone call explaining your situation might free up immediate cash by postponing some payments without damaging your credit score.

👉 How To Negotiate With Debt Collectors

13. Apply for utility and bill assistance programs

Many utility companies and government agencies offer emergency assistance programs specifically designed to help with essential bills. LIHEAP (Low Income Home Energy Assistance Program) and similar programs can help cover immediate utility costs when you’re in a financial emergency. You can learn more about LIHEAP and how to qualify here. 

👉 How to Get Free Money From the Government

14. Consider dipping into your retirement accounts 

While not ideal, your 401(k) or IRA can be a financial lifeline when you’re truly in a bind. Most retirement plans allow hardship withdrawals for immediate needs like medical expenses, avoiding eviction, or essential home repairs. 

But there are strings attached: you’ll likely face a 10% early withdrawal penalty plus income taxes, and you’re borrowing from Future You, who’s trying to enjoy retirement someday. If possible, consider a 401(k) loan instead (which you repay to yourself with interest) or explore all other options first.

👉 I Need My 401(k) Money Now: How Can I Access It?

Best practices to keep in mind if you need money now

If you’re in a bind and need money right now, you’ll want to be mindful of the following some best practices. 

1. Beware of predatory lenders 

Avoid predatory lenders, payday loans, or car title loans that promise quick cash but can exploit financial emergencies with astronomically high interest rates and hidden fees buried in fine print. 

Watch for red flags: lack of transparency about costs, high-pressure sales tactics, promises of approval without income verification, and no credit checks. Stick with established lenders from reputable financial institutions to avoid debt traps when you need money fast.

2. Build an emergency fund once you have some breathing room

Once your immediate financial crisis passes, prioritize creating an emergency fund, even starting with just $25 to $50 per paycheck, can build a crucial buffer over time. Having 3 to 6 months of essential expenses saved can help give you peace of mind and significantly reduce financial stress.

3. Consider building your credit with a credit builder loan

A credit builder loan isn’t the best option if you need money today, but it can be helpful if you’re looking for an accessible way to help build your credit and possibly qualify for better loan rates and financial products in the future.

With a credit builder loan, you’ll apply for a small loan amount, typically up to $1,000. However, instead of receiving the entire loan amount upfront, funds will be placed into a secure account. You’ll then make regular payments over a set term, and in the meantime, your lender will report these payments to the major credit bureaus.

After successfully making all the payments on time and in full, you’ll receive the original loan amount back, minus interest and fees. MoneyLion offers a free and convenient way to find offers from our trusted partners to help you improve your credit! See offers below:

Need Money Today: Your Action Plan Forward

The path forward isn’t just about solving today’s cash crunch. It’s about rewiring your relationship with money so the next unexpected expense doesn’t catch you off guard. 

Start with whatever option makes sense for your immediate needs, but don’t stop there. Even setting aside $10 from your next paycheck begins building the buffer that transforms future financial surprises from crises into minor inconveniences.

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