I need money today for free

There are many fantastic ways to earn additional money in today’s gig and technology-heavy world.

Despite the abundance of side jobs accessible, many people lack time to take on yet another demanding duty.

There are several legal ways to obtain free money quickly if you’re having trouble fitting more into your hectic schedule but still need more cash.

This list includes websites, apps, services, and strategies for making quick cash while making the most of your time and effort.

This essay is for you if you’ve said, “I need money today for free.”

Here are the 14 Best Ways to Get That Free Cash Today

1. Coupons and Cash Back

Earning cashback and using coupons are two more wonderful quick ways to acquire free money.

You can make a small profit for each transaction by earning cash back on purchases that you already make.

Additionally, you can stack your cashback points to maximize your earnings. Similarly, using coupons can help you save money and get cashback.

The greatest methods and apps for using coupons and earning cashback are listed below.

Credit cards – A lot of credit cards give a portion of every purchase as cashback; the percentages range from 1% to 5%, depending on the card and the type of expenditure.

Honey- It is a browser add-on that automatically finds and uses discount codes and coupons when you shop online.

Rakuten- Users of Rakuten can get cashback for in-store and online purchases

Ibotta- This offers coupons for groceries and household goods. Browse the app, clip coupons before you purchase, then scan receipts.

RebateKey – This website provides substantial discounts and gifts for goods offered on Amazon and a few other websites. Consumers receive incredible savings as retailers promote their newest interests and exclusive offers.

2. Reduce Monthly Bill Costs by Saving

Do you realize how much you spend on services and subscriptions? Do you even use anything you possess?

Over time, you’ll have a lot more money in your pocket, even if you only cut back by $10 or $20 monthly. Although going through your transactions individually can be intimidating, you don’t have to.

Truebill – Truebill locates and keeps track of all of your subscriptions, allowing you to view them all in one place and cancel those no longer necessary.

To know where your money is going and where you may make improvements, Truebill also breaks down your finances for you.

Trim – Trim additionally enables cost savings. To help you save even more money, Trim negotiates your payments and cancels unwanted subscriptions after analyzing your spending habits to identify practical methods to cut costs.

3. Miscellaneous Funds

Unclaimed money includes cash, checks, safe deposit boxes, money orders, and security deposits.

MissingMoney.com and Unclaimed.org are good sites to start searching for unclaimed money. Both programs let you rapidly look for unclaimed money by providing your name.

Even while MissingMoney does not accept claims from all states, in those that do, you can submit a claim for any money you find straight through the website.

Unclaimed directs you to state-specific search sites. Even if you don’t think you have unclaimed money, check.

4. Government Support

If you’ve ever thought, “I need money today for free,” there’s a good possibility you might be eligible for federal help.

These initiatives aid those in need in getting back on their feet, and you might be qualified to receive considerable financial assistance.

A few potential programs to look into are:

Benefits.gov – This website offers a “Benefit Finder Questionnaire” to aid you in locating assistance programs for which you are qualified.

The Child Care Development Fund is a federal initiative that gives money to states to help families with daycare expenses.

Student Aid – If you have a low income, you may be eligible for Federal Loan Aid of up to $2,000, which is not a loan and does not need a repayment. Fill out the FAFSA to see whether you qualify.

The Low Income Home Energy Assistance Program helps families with their energy expenses.

Federal Pell Grant for Education – This grant is given to undergraduate students without a degree with exceptional financial needs.

5. Try to Consolidate Your Debt

Do you now owe a number of debts?

It is difficult to manage and will probably cost you more money to pay off many monthly loans.

To save money, you should think about debt consolidation, particularly if you have high-interest debt.

You can consolidate all of your loans into a single monthly payment through this process, comparable to refinancing a mortgage, and it should result in an overall cheaper interest rate.

You will save money thanks to the cheaper rate, and one payment will put more money in your pocket.

Another debt-reduction option is utilizing a credit card with a 0% balance transfer rate.

You might be able to combine all of your other credit cards into a single payment that has 0% interest for a limited time, allowing you to pay off your bills without accruing interest.

6. Earn a Credit Card Sign-Up Bonus

You can obtain free money to open a new credit card account and make certain purchases.

Did you know that? Many credit cards provide sign-up bonuses for spending a minimum amount within the first few months of opening your account.

The incentive amounts often vary from $150 to $500 in cashback or travel rewards, and the spending criteria typically range from $1000 to $5000.

Some can be redeemed for travel rewards for as much as $750!

Obtain a sign-up bonus for a credit card that offers cash back, and then maximize your benefits by utilizing cashback websites to obtain additional free money!

Just be sure that if you use a credit card to make purchases, you pay off the entire monthly debt. Otherwise, interest charges will wipe out any incentives you could have earned.

7. Refinance your mortgage or student loans

Refinancing your student loans or mortgage may be another strategy to reduce your debt and increase the amount of money you have available each month, similar to consolidating the debt already mentioned.

You should refinance to a lower interest rate to cut your monthly payment and improve your cash flow.

Consolidating numerous student loans into a single monthly payment may also enable you to pay off your debt more quickly. Examine the current rates to determine whether it makes sense for you to refinance your mortgage or student loans.

8. Survey apps and websites

Online surveys are one of the most acceptable ways to acquire free money quickly.

While using just one survey site or app is unlikely to make you a fortune, joining up for several of them and doing surveys and other chores when you have time might add up.

You can earn points by doing chores and participating in surveys that match your profile, and most survey sites give you a bonus just for joining up. Your points can then be exchanged for gift cards and rebates.

The following are some of the best survey websites for earning free money:

Poll Junkie – Customers are connected to surveys using their profiles through this. You will share your thoughts about goods and services.

Swagbucks  – Swagbucks provides incentives for carrying out various tasks, such as completing surveys and downloading apps. Upon signing up, you will automatically receive $5!

MyPoints – MyPoints provides many ways to earn points that can be exchanged for money and gift cards.

InboxDollars – Earn money by doing surveys, watching movies, buying online, and more with InboxDollars

Although the aforementioned applications are some of the most well-liked choices for taking surveys for money, this list is by no means complete.

See this article for a longer list of survey websites where you can get paid for sharing your opinion.

9. Acquire Free Stocks

When it comes to investing, it can be challenging to know where to begin, but fortunately, there are now a plethora of investment applications that make it simpler than ever.

Additionally, many give away free stocks just to sign up, which means free cash!

The following are some of the top apps with free stock:

Robinhood- The free stock-for-signing-up app Robinhood is an excellent choice for novice investors.

Installing the app and creating a free account can receive free stock worth between $3 and $225. You can acquire the free stock without even making a deposit or investment!

Stash – Stash is an automated micro-investment investing platform. By signing up and adding $5 to your account, you can earn $5.

Public.com – This investing app allows users to trade stocks and ETFs without paying commissions. Additionally, fractional shares are available.

The public will also provide you with a free share of stock when you open an account worth up to 0.

Webull- You can buy or sell stocks, options, ETFs, and cryptocurrencies with Webull (up to $2,000 in free stock). When you open a brokerage account with them, you’ll also get free shares worth between $3 and $2,000 in return.

Acorns is a different micro-investing program that similarly automatically invests your money.

It offers $5 sign-up and referral bonuses. When you attach your credit or debit card, Acorns rounds up to the nearest $1 and deposits the spare change into your account each time you make a transaction.


10. Additional Apps with Welcome Bonuses

Other applications provide sign-up bonuses in addition to surveys, cashback, and investing apps.

A free program that helps you calculate and keep track of your net worth, expenses, assets, and general financial situation is Personal Capital ($20 Signup Bonus).

Additionally, there are paid personal services offered. Use a referral link when registering to receive a $20 incentive for you and your buddy.

Groundfloor is a platform for real estate investing. You will receive a bonus of $10 when you sign up and invest at least $10.

  1. Capital One Shopping: Get Refunds

Have you ever purchased something just to see the cost decrease a week later?

With no hassle, you can get the difference back from Capital One Shopping (previously Paribus).

This program keeps track of the emails you receive from merchants, alerts you when the price reduces, and assists you in getting a refund.

12. Market or Rent Your Items


Host a garage sale or sell unused items online if you need fast cash. Facebook Marketplace, Nextdoor, Craigslist, and other Craigslist alternatives make selling stuff easy.


Have a spare car, space, or room? If so, renting your things or space can be a semi-passive income. Airbnb lets you rent out other spaces and stuff.


Rent a room or basement, a car on Turo, an RV on Outdoorsy, a backyard on Sniffspot, or space on Neighbor to make extra money. Try renting out any unused space or stuff you may have to earn some additional cash with no effort.

13. Bank Bonuses

Like credit cards, many banks also give rewards for opening accounts and making a minimum deposit.

Additionally, bonuses are available for establishing direct deposits, and creating savings accounts occasionally entitles you to benefits.

For a free $150 or more, it might be worthwhile to wait the few months you’ll probably need to leave the cash or direct deposit set up for the bonus. View this list of banks that are now giving bonuses.

14. Earn Free Money Through Gaming

Many individuals spend their free time playing games on their smartphones or other smart devices, but did you know that you can get paid to play games?


Playing games in your free time can earn you awards, gift cards (including Amazon gift cards), and even cash in games like Lucktastic, Solitaire Cube, and Mistplay.

While the money from these games won’t replace your day job, it might help you now when you’re short on cash.

Last Thoughts: I Need Money Today for Free!

Do you wish to receive some free money today? Even while there is no such thing as a free lunch, there is free money!

Use a combination of these legal methods to obtain free money to start putting extra money in your pocket immediately.

Latest posts by Jason Rathman (see all)

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Author D Laidler

I am David, economist, originally from Britain, and studied in Germany and Canada. I am now living in the United States. I have a house in Ontario, but I actually never go.  I wrote some books about sovereign debt, and mortgage loans. I am currently retired and dedicate most of my time to fishing. There were many topics in personal finances that have currently changed and other that I have never published before. So now in Business Finance, I found the opportunity to do so. Please let me know in the comments section which are your thoughts. Thank you and have a happy reading.

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