6 Low-Effort Ways to Make Passive Income (You Can Start This Week)

Most of the time, if you want to earn money, you have to work for it. That's kind of the whole arrangement we've all agreed upon. Unless, that is, we're talking about passive income. It's right there in the name — it's passive. You can earn money while you're sleeping, hanging out with your friends or just living your day-to-day life.

And it doesn't have to be some difficult far-fetched scheme, either. These are some of the lowest-effort ways we've ever seen to earn passive income. You can start these as soon as this week:

1. Grow Your Money More Than 10x Faster

If you’re keeping your money in a traditional savings account, you’re missing out on some serious growth. You need an account that lets you earn competitive interest on your everyday balance.

With a Langley High Yield Savings Account, you’ll earn 3.60% — that’s more than 10 times the national average interest on a savings account, which pays just 0.33% APY, according to the NCUA*.

The Langley High Yield Savings Account has no fees, no minimums, and your money is insured up to $250,000.

Want to start growing your money more than 10 times faster? It only takes a few minutes to open an account.

2. Earn a $325 Bonus Just For Opening This Checking Account

Keeping your cash in the right place is one of the easiest ways to boost your balance.

When you open a new Wells Fargo Everyday Checking account, you can earn a $325 bonus. All you have to do is make $1,000 or more in qualifying direct deposits within 90 days of opening the account. After the 90-day qualification period, Wells Fargo will deposit your bonus within 30 days, as long as you've met the requirements.

You'll also get FDIC insurance, 24/7 fraud monitoring, and access to an app with a 4.9-star rating.

Want to add an extra $325 to your wallet? It takes just minutes to open an account.

3. Get the Funds to Start Investing in Real Estate

Owning investment property has long been one of the most popular ways to build wealth and generate passive income. But there’s one major obstacle: getting the money to actually buy and renovate a property.

That’s where Kiavi comes in. Kiavi offers hard money loans designed for real-estate investors looking to fund fix-and-flip projects or rental properties — with fewer requirements and faster closings than traditional banks. You could fund your next project in as little as one or two weeks.

Everything is handled online — from applying and getting quotes to tracking your loan approval. You can even get pre-approved with no impact to your credit score and no application fee.

Kiavi offers fix-and-flip and bridge loans from $100,000 to $5 million, with rates as low as 7.75%. Investors may qualify for up to 100% of the purchase price and renovation costs, and 80% of a property’s after-repair value.

For investors focused on long-term rental income, Kiavi also offers rental property loans with rates as low as 6%, up to 80% loan-to-value and flexible term lengths.

Kiavi has already funded more than $30 billion in loans and is trusted by professional real estate investors across the country. Whether you’re planning your first fix-and-flip or expanding your rental portfolio, Kiavi could help you move faster on your next investment opportunity.

Want to see how much you could qualify for? Get started here to explore loan options and get pre-approved online.

4. Protect Your Portfolio With Precious Metals — And Get Up to $20K in Free Metals

If the past few years have shown us anything, it's that market disruptions can come out of nowhere and impact your retirement savings.

That's why many people invest in precious metals to diversify and protect their wealth: Precious metals often rise in value during uncertain economic times.

One option is a precious metals IRA through a company called Priority Gold — right now, you can even get up to $20,000 in free silver on qualifying purchases.

Opening an account is easy, and you can roll over funds from existing retirement accounts or buy gold and silver directly from Priority Gold.

If you decide to sell your precious metals in the future, Priority Gold offers a no-fee buy-back program. Plus, Priority Gold has an A+ rating with the Better Business Bureau.

Want to diversify and safeguard your investments? It's easy to get started here and get your free report. Plus, you could get up to $20,000 in free metals on qualifying purchases.

5. Stop Wasting $1,100 on Your Car Insurance

Odds are, you're probably paying way too much for your car insurance every month. And it can seriously add up — to the tune of $1,100 a year.

Fortunately, Insurify lets you compare all your car insurance options at once — and it can save you up to $1,100 a year.

Just enter some basic details about your car and background, you'll get customized quotes you can review on your own time and from the comfort of home.

Ready to cut your car insurance bill? It's easy to get started here and see how much you can save.

6. Get Up to $1,000 in Free Stock Just For Investing

Your savings are looking great. But don't rest on your laurels just yet. Now that you've built up some cushion, it's a great time to make sure you're putting your money to work.

When you invest with SoFi Active Invest, you can earn up to $1,000 just for opening and funding an account. All you have to do is open and fund a new account within 45 days.

Once you open your account, you'll get access to commission-free trading on stocks and ETFs, plus you can buy fractional shares of your favorite companies. Unlike other platforms, SoFi® has no account minimums and no hidden fees, so you'll keep more of what you earn.

It takes just a few minutes to open an account. Get started here and fund your account within 45 days to earn up to $1,000.

Bottom Line

Earning passive income doesn't have to be difficult. In fact, it can be as easy as making sure you're using one of the best checking, savings and CD accounts of 2026.

*NCUA Credit Union and Bank Rates.

SoFi: Probability of member receiving $1,000 is a probability of 0.026%. If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify. Probability percentage is subject to decrease.

Other fees, such as exchange fees, may apply. Please view SoFi’s fee disclosure to view a full listing of fees

There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.

INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE