How to get money fast without a loan

by Kylie on January 29, 2013

How can you get money now? You’ve got a bigger than expected bill or your car tyres just blew or something happened and now you need an extra $500. How can you possibly find it?

Having been in this situation myself before, I know a few ways you can find or make money quickly.

Look for lost or forgotten money

Survey sites - Are you a member of any survey or mystery shopping sites? Check if you have money sitting there waiting to be cashed out. Some take weeks, others I have been paid within a few days.

Medical rebates – Is there a claim you could process from health insurance? Medical receipts you could take to Medicare to get a rebate from? Have you checked all government rebates to ensure you are getting all you are eligible for?

Nooks and crannies – Clean out everything and everywhere such as behind the fridge, under the lounge and between the cushions, in the car etc. Coins often roll under and get lost.

Bank accounts – Do you have any forgotten bank accounts? Forgotten superannuation or anything financial? While super you cannot usually access until retirement age, if it is under a certain amount you can get it paid out in cash, but you will be taxed.

Get money back
Does anyone owe you money? – Now is a good time to ask for it back, if they can’t pay it all right now, set up a payment plan. It is also a good idea not to lend unless you can afford to lose that money altogether.

Return items – If you have receipts you may be able to return recent purchases to the store if they have not been used and still have their tags attached. Only do this if the purchases are not necessities/will not cost you more to buy in the future.

Make money
Sell your stuff – This is the first one everyone thinks of generally because many people have excess stuff. You could try eBay, it will take a week or two to get your money, but you usually get a decent price. You could have a garage sale, list items on Gumtree or Facebook or check out my 10 ways to sell your items.

Services – Are there any services such as ironing, baby sitting, cleaning out gutters, washing windows, lawn mowing, paint numbers on driveways or wheelie bins, cleaning, cooking, odd jobs such as grocery shopping, mending or anything you could offer to others? Put an ad in Gumtree, do a letter box drop, flyers on noticeboards or even go door to door. The more dirty the job the more likely someone is to pay you to do it.

Sell other people’s stuff – Much like selling your own, just charge a fee to sell on behalf of others. They can drop stuff off to you to sell or you pick it up. You can charge per hour, a percentage of the sale or per item.

Boarder – If you financial situation is going to be tight for a little while, you might want to consider getting in a boarder if you have the room. Check this post before you do it!

Rent space – Along similar lines to a boarder you could rent out your driveway, garage or attic, even your garden. People have boats and caravans they want to store, some people want to have a little garden plot and others only have a few things they want to store, so don’t want to pay for a storage unit and you could offer cheaper prices. Check out this post for more ideas to make money from your house and property.

Your body – If you have really long hair you could possibly sell it, although it can be tricky. There are ads every now and then for medial trials and it doesn’t always require you to actually test product, or if you live in the USA you can get paid to donate blood (not in Australia, but please donate blood anyway because not everyone can and it saves lives!). There is modeling, movie and TV extra’s or busking if you are skilled.


PLAN! That’s right, get a budget, decrease your expenses, increase your income on a permanent basis and save so you are never in this situation again. Emergencies happen, life can throw massive curveballs, but the better prepared you are, the less stress you will have and the more cash in your account.

What do you do when you need to make money fast?

You might also like:
15 ways to make money this week
Make more money
How to find more money without cutting expenses
Top 10 ways I have made money from home

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