Need $400 quickly? You're in the right place. In this article, we're going to look at a number of different strategies to get that cash quickly and easily.
It's not unusual to find yourself in desperate need of some quick cash for a one-off expenditure – we're all been there. But if you keep finding yourself in these situations you might want to take a step back and have a wider look at your overall finances. Maybe you're budgeting incorrectly, wasting money on something you shouldn't – or simply not earning enough? However, if you just need some quick cash as a one-off, one of these tips could be for you.
Obviously, getting $400 “quickly” won't be as quick and easy as if you just wanted $50. While there are some options you can still do to get your money within a day or two, some of these tips will take a couple of weeks. Some of these options require you to sell something you already own, or provide a service with a particular talent or skill.
Selling and Reselling
One of the best ways to make a bit of cash quickly and easily is to sell something you already own. While there are options like eBay for those who've got a bit more time to shift almost anything – these aren't the fastest ways to get that money in your hand today.
Sell Your Old Gold
There are loads of those “cash for gold” stores around these days – you've probably seen them. The reasons they've grown in recent years is because the price of gold went up quite a lot. While this rise tapered off a bit – there's still money to be made for these stores – and that means you can get some quick cash, too.
Please be aware that they're going to sell your jewelry for scrap value – so you won't even get that. If your necklace has got particular design value, you won't get any extra for it. It might be better to sell it a different way (or keep it) – but if you really need that money, you could get the cash in your hands today.
Collect anything you don't want and take it down to the store to see how much they'll give you. You'll won't be under any obligation to sell, so be prepared to walk away if you don't get the right price.
Sell Your Car
This is one of the quickest easiest and simplest ways to make a bit of money – but you'll have to decide if it's right for you. If you've got a vehicle that you don't really need – it's not difficult to get $400 (or even more) for it. This will only really work if you have other means of transport and don't need your car for something specific on a regular basis. You might even be able to walk to work instead of using your existing vehicle.
To get your money quickly – you're better off selling to trade. Yes, you could advertise your car in any number of places, but that could take weeks. It takes time to list your vehicle yourself and then wait for people to come and see it. If you go straight to trade, most dealers will buy your car straight away, potentially even for cash. That means you could get your money today. One thing to remember – most dealers will pay slightly lower than the amount you'd get in a private trade. That's because they need to make a profit too. You'll have to weight up how quickly you need the money with how much you want to get for your vehicle.
For a fast sale you can also try places that sell used cars, and have a good reputation; places like CarMax. You can also try new options like the Peddle service, which claims to help you sell your car instantly, and they even come to your house! I can't speak to what type offer they give, but it seems pretty convenient! Shift is another newer, app-style service with a unique way to sell.
Sell Your Plasma
In some areas, people give away their blood plasma for free. But it's actually something you can get paid for.
Have a look around your local area. Many blood centers offer over $50 per donation. While you need to have a little break between giving blood, you could get that $400 in not much over a month. Your body provides plasma for free, so it won't cost you anything apart from a bit of time. Be prepared to have full identification papers and other documents before you can sign up. It'll also take a while to get your money – they don't tend to pay for plasma with cash in hand.
If you've got something valuable that you don't want to sell – you might be able to rent it out instead.
Rent Out Your Room on AirBnB
If you've got a property in a popular location, you'd be surprised how much demand there might be for it. You could get that $400 for just a few night's stay on a site like AirBnB. However, listing your property and waiting for bookings could take a while unless there's a ton of demand for your specific location. You could try and drop your prices a bit to try and get a quicker booking. Just make sure you're allowed to let your property in your specific location, as some areas have recently banned AirBnB.
Another way that could get you some quicker cash is to rent out your room to people you know. That way you won't have to wait for bookings and then for the money to clear. You could get the cash straight away. Simply ask around and see if anyone you know needs a room. It doesn't even have to be a room to sleep in, you could rent out your garage to a local band to practice in, or think of another original idea to make that money.
Rent Your Car Out
If you've got a car that you don't want to sell but don't need that much – you could try renting it out privately. While most car rentals do go through the big companies who have dealt with that sort of thing for a while, there are a number of new apps and services that help private people rent out their own vehicles. HyreCar and Turo are two options, but there are more out there, especially on a local level.
You'll need to make sure your insurance covers everything – and you might have to wait a while to get a booking. Again, another way to get your money more quickly is to rent your vehicle to someone you know for cash in hand.
The ideas we've looked at already have been based around something you own (either selling it or renting) – but these ideas are more to do with the skills you have and the services you can provide. Not all of them require specific talents, some just need a bit of hard work.
There are loads of local leaflet delivery services that are regularly looking for new staff. This sort of work is easy to get and you could just sign up for a couple of days work. That means you can fit it around an existing job. You could even deliver at the weekends.
One way to make even more money with this kind of work is to deliver for more than one company at the same time, doubling up on how much you could earn. You could also deliver your own leaflets advertising another business or side-earner of your own – like some of the services or business ideas suggested in this article. That means you could get paid to deliver normal leaflets, while including advertising for your own dog walking service or a garage you have to rent out.
Get an Advance at Work
If you've got an understanding boss – this could be one of the best ideas of the lot. Many big companies no longer offer advances on wages, but if you work for a small business, they might be understanding enough to do you a favor.
Explain your situation honestly, and you'd be surprised how understanding some people can be. This works best if you've been in your role for a while and are an otherwise reliable worker. Just make sure you'll have enough when your next reduced pay check actually comes.
Do Some Day Labor
Sites like Labor Finders offer a quick and easy way to find labor jobs in your area. There might also be a place to go where people can pick up simple day jobs. There are normally plenty of businesses looking for simple labor work in or near your location, so if you really need the money and are willing to put in a few days hard work – they could be for you.
This sort of work will be physically demanding, but you could sign up for just a few days and make the money you need (potentially even cash-in-hand). You'll need to be fit enough to do the work. It could be on a construction site, farm work, or something similar. It might not be pleasant work, but it could pay you what you're looking for.
Check if You're Owed Money
You might already be owed some money that you're unaware about – and there are a few ways to find it. Unclaimed.org offers a search facility to check if you're owed money from a number of different institutions. Paribus.co also runs a similar service that helps people who are owed from different store refunds. You might be owed compensation for something you've bought in the past, like PPI. To check this, you might need the help of an additional service, but you shouldn't need to pay a fee unless they actually get you some money.
The hardest part of this is actually finding out who and where owes you money – but you could actually already have enough without having to do much extra work. It could take a while for all the paperwork to be sorted and for you to actually get paid, though. So if you're in a tight fix, you might need to choose another option.
Start a Small Removal Business
When people move homes, they're often stressed and desperate. You can help out people in your local area by offering to transport items at a reduced rate. This option works best if you've got a van or another large vehicle. If you don't want to start a serious business, you can just ask around to see if anyone needs help moving something. You could make that $400 in a days hard work – but the hardest part of this is actually finding someone who needs your services quickly and easily.
Start a Window-Cleaning Business
Again, this is another quick and easy small business to set up that doesn't require any other staff or much to get started. You'll need a ladder, and buckets – but not much else. Again, if you don't want to take this too seriously, you don't have to. Simply ask around and try and clean as many windows as you can for a few days. You should be able to make the money you're looking for.
Buy Bulk Items and Break Them Down to Sell
If there's a local wholesaler in your area or a “cash and carry” – you can make some quick money buying bulk items and selling them individually. Think about things like canned drinks and other items (household cleaning products) that are simple, easy purchases for people.
Once you've got your items, you'll need to sell them. This works great if there's a local event you can attend – you should be able to shift canned drinks fairly easily at the right price. Alternatively, you could go door-to-door – but make sure you're allowed to in your area and that you don't annoy anybody. Also, know your local laws (state or county) regarding selling. You may need a business license or permit to operate!
Build Someone a Website
This could be a 21st century way to make some quick and easy money, especially if you've got a good background in web-design. You don't even need that much coding knowledge, as something like WordPress can do most of the hard work for you.
It might be surprising to realise – but there will still be plenty of local businesses in your area that don't have a web presence. All you've got to do is find them. Try looking on Google Maps to see businesses that are listed but have no website to click on. Next – go and talk to them, explain why they need a website and what it could do for them and their business.
They've probably already been aware that they could do with a website for a while, but have been put off for a while because they think it's going to cost too much. Tell them you'll take care of everything for as little as $300 or $400. This should be much cheaper than the prices they've been quotes from big web-design companies. Yes, you won't be building them a bespoke high-end site, but many small local businesses would be more than happy with a good quality WordPress page.
The best thing is, you can throw it together within a day or two. That's quick and easy money.
If you haven't got anything to sell (or don't want to) and you don't really have the time to put in tons of work to earn the money – you could always try borrowing it. There are a number of different options – some might cost more than others, but one might be right for you.
Use Your Credit Card
This is the quickest and easiest way to “borrow” money – just take it out on your credit card. You'll end up owing a lot in the long-run if you don't pay it back quickly, but this could still be a much more affordable option than a pay-day loan. You should also get your money instantly, so it's a viable option for many.
Get a Bank Loan
It shouldn't be too difficult to get a bank loan for $400 – but you will have to pass a few financial checks. You might also have to wait a few days for your money to come through. Make sure you know how much you're going to have to pay back, and when you're going to have to pay it by.
Get a Pay-Day Loan
You've probably seen more and more of these services in recent years – they're a viable way to get instant cash. If you've got a job and know you're going to get paid soon, you can borrow against this with one of these pay-day loan companies. Be aware – the interest rates on these loans are normally very high. Make sure you've checked all the smallprint and know how much you'll have to pay back (and when you've got to do it by). Keep things in order or things could spiral into lots of debt.
Re-Mortgage Your Home
This is probably a last resort – but if you're super desperate, it might be necessary. Re-mortgaging your home could easily clear way more than $400, but it'll cost you in the long-run.
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