How to Make $20 Fast

From time to time, we all need money in our bank accounts, and sometimes we need it in a hurry.

To make your hustle easier, I have found the best ways for you to make $20 fast.

Just a few years back I was in the same situation myself, so it prides me to be able to help you now.

20 Ways to Make $20 Fast

Here are 20 ways how to make 20 dollars fast:

  1. Sell Unwanted Items
  2. Open an HYSA
  3. Side Hustle
  4. Volunteer for Medical Research
  5. Work in Restaurant
  6. Take Online Surveys
  7. Sell Stock Photos
  8. Transcribe Audio
  9. Invest in Real Estate
  10. Drive for Uber, Lyft or Postmates
  11. Take out a Personal Loan
  12. Rent Your House or Car
  13. Trim Your Budget
  14. Find Work Around Town
  15. Make Money Blogging
  16. Be Smarter about Drinking
  17. Open a Checking Account
  18. Use Cash Back Apps
  19. Babysit or Petsit
  20. Become a Personal Trainer

1. Sell Unwanted Items

Chances are you have at least a few hundred dollars laying around in unused items like old cell phones, monitors, mobile devices, and games.

These items are probably collecting dust and losing value by the day. Why not sell them before they are considered total junk?

You could try your luck selling these things on sites like eBay, Craigslist, or even Nextdoor. Or you could physically take them into a local pawn shop or thrift store.

If you do, just make sure to thoroughly wipe your devices of all data so that you don’t accidentally give anyone access to your sensitive data.

You can also use a site like Decluttr, which will pay for your unwanted devices and media. They’ll even pay for most shipping. The site will give you cash, and they’ll either recycle your items or refurbish and sell them in their online market.

The great part about Decluttr, too, is that they’ll wipe your data for you — keeping you safe and protected. This old tech can make you $20 really fast!

Check out Decluttr to see if you can get any money for your unwanted tech items.

2. Start a High-Yield Savings Account (HYSA)

One easy way to grow your money quickly is to open an HYSA through an online bank like Amex or Citibank.

A HYSA is a flexible, high-interest savings account that offers an APY that’s several times higher than the national average. Your money will grow much faster in a HYSA as long as you keep funding it and try not to touch the money often.

Remember that HYSAs offer variable interest rates, which fluctuate periodically depending on the market. When the Federal Reserve cuts interest rates, HYSA yields tend to plummet. However, they are almost always still higher than the interest rates you will find at a traditional bank.

As an example, suppose you have $15,000 laying around. If you deposit this money into a HYSA with an APY of 1%, you could generate $37.53 in interest after three months (assuming that the APY does not drop during that time).

The nice part about a HYSA is that the APY could also increase while you have it in the bank.

The bottom line is that an HYSA can reward you for saving money — most likely guaranteeing you access to at least $20 within a few months if you can stay disciplined during that time.

3. Start a Fiverr Side Hustle

Do you like blogging, taking photos, shooting videos, or doing graphic design?

If so, you can offer these things as services on Fiverr, which is an online platform where thousands of people are earning extra cash in their spare time.

If you’re good at what you do, you can earn some real money on the platform, but you will have to work hard to make that happen. Most people are not earning passive income on a site like Fiverr.

When it’s time to cash out, you can get paid right in your Paypal account, or via direct deposit. So why not start rolling that $20 in with Fiverr?

4. Volunteer for Medical Research

Check your local university or government and see if you’re eligible to partake in any paid research studies from certified researchers.

Oftentimes, colleges and private organizations will pay people to take part in clinical studies for medical, psychological, or financial evaluation. There are many different types of studies to investigate to see what makes sense to you.

For example, you may be able to get paid to quit smoking, sleep, or participate in a group activity. These experiments may be time-consuming, requiring you to go in every day or to stay for an extended period of time.

However, if you have the time and patience, you may be rewarded handsomely for your efforts — especially if you have a disease like Crohn’s disease or diabetes. Poke around and try and find a study that will pay you for participating.

As an added bonus, when you participate in a clinical study, you can sometimes take part in a great cause. Who knows? You could play a small part in a much larger area of research, helping to make the world a brighter place. is one website that lets you search for studies.

5. Work in a Restaurant

Chances are likely your town is full of restaurants and bars. Why not try your hand in the foodservice industry?

Before going in, I must warn you: Working in food services is not always a walk in the park. Working in a restaurant is fast-paced and competitive, as wait staff can be territorial about working hours and even table locations in a restaurant.

In all likelihood, you’ll be given a difficult shift or set of tables to start, and you’ll have to work your way up to premium earning potential, but once you have you can easily make $20 in an hour.

However, if you prove to be effective, likable, and reliable, you’ll find that working in a restaurant or bar is a great way to make a lot of dough. Keep in mind that most bartenders and waiters have meager hourly wages, and earn the bulk of their money in tips. On a good night, you may walk out with several hundred or even thousands of dollars

Beyond that, you might also run into some pretty great people, expanding your network and even potentially leading to job opportunities down the road.

6. Take Online Surveys

Many readers will scoff at the idea of taking online surveys in exchange for money. After all, there are many scams out there that you have to watch out for. However, the best survey sites can actually be a legitimate source of extra money.

There are two different types of sites for online surveys.

A survey aggregator like Survey Voices will pool multiple online surveys and direct you to third-party sites. On the other hand, sites like Survey Junkie and Inbox Dollars provide direct access to surveys from their site.

And if you join Swagbucks, you can earn gift cards and other prizes if you play games, watch videos, or participate in focus groups.

Also, several sites, like TreasureTrooper, offer a signup bonus, which is almost like free money.

You can usually earn between a $0.50 and $3 survey payout for 15 to 20 minutes of your time. In addition, you can receive rewards like discounts to your favorite stores or free products and services to try.

But let’s be clear, you are not going to earn $20 overnight taking online surveys, so if you really need the money quickly, you should probably look into other options.

7. Sell Stock Photos

Take a look at a stock photo site like Shutterstock, Adobe Stock, Stocksy, or Alamy. Most photos on these websites aren’t Pulitzer prize-worthy.

However, they serve a purpose: taking up space on websites and enhancing content.

You don’t need to be a professional photographer to make money selling images online. If you can snap a decent picture, know how to use an editing program like Photoshop, and have a basic eye for design, then you can start making money selling photos online without much effort.

First, spend some time analyzing which photos sell the best. You don’t need to reinvent the wheel here. Just find out what others are taking pictures of and try to replicate them (without copying their work).

For example, you may try snapping high-resolution photos of flowers in your backyard. Or you might want to walk around your city and take some pictures of parks and buildings.

Look for scenes that can be used for commercial purposes, refine them, and look into opening an account on a stock photo site.

Then, you can collect every time someone downloads your work. Take good quality photos that people want to download and you will earn $20 in no time.

8. Transcribe Audio

Another easy way to make money is to transcribe audio for businesses. You can make money transcribing customer phone calls, interviews, and podcasts.

Transcribing audio is a great job for people who are patient, can work quickly, and have excellent hearing — as well as an ear for international accents.

Plus, sites like Descript will transcribe audio for you, meaning you don’t have to manually type everything out.

Rather, you can have access to raw text and edit and format it for professional use. This can save a significant amount of time and it’s perfectly legal.

Using a transcription service can cut down an interview time from several hours to just minutes for certain projects.

9. Make Money From Real Estate Investing

Investing in real estate is one of the surefire ways to create wealth for yourself. However, many of my readers feel like real estate investing is out of reach for them due to the high costs of down payments, and all of the fees that come along with buying or selling a home.

In recent years, several online companies have started up in the United States that provide crowdfunded real estate investing opportunities.

Sites like Fundrise, DiversyFund, CrowdStreet, and RealtyMogul offer free apps that make it possible for you to start investing with as little as $500. You won’t make $20 overnight, but you can earn much more than that over the long run.

10. Drive for Uber, Lyft, and Postmates

If you own a car and need money, it’s time to put your vehicle to work driving for Uber, Lyft, and Postmates.

These services are guaranteed to make you money as long as you can act professionally and drive safely.

One of the top reasons people tell me they don’t drive for Uber or Lyft is because they’re shy. To these people, I say that everyone loves a quiet driver.

You don’t have to talk to everyone who comes into your car. In fact, some passengers will tip more if you leave them alone so they can use their phone or enjoy a few minutes of silence.

Like bartending, apps like Uber, Lyft, and Postmates can also open the door for other money-making opportunities. You’ll never know who you will meet when working in this type of job.

11. Take out a Personal Loan

I’m going to have to advise you to use caution here, as taking out a loan is very risky. After all, you’ll have to pay your loan back with interest.

However, if you desperately need cash, this is probably the fastest and easiest way to legally secure capital.

There are many websites available that will let you secure small loans, starting around $100. For example, GraceLoanAdvance is one company offering this service.

Shop around for the best interest rates and always avoid taking more than you need.

In other words, don’t sign up for a $10,000 loan if you only need $500 now. That is a very easy way to spiral into problem debt.

12. Rent your House or Car

If you are fortunate enough to own a home, then you should look into renting a room on a site like Airbnb.

As long as you are comfortable with strangers using your personal space, then you could easily make a few hundred or thousand dollars in just a few hours or days.

This is especially true if you live in a popular area near a beach, ski resort, or downtown metropolitan area.

Just make sure to use a reputable site like Airbnb that will at least let you vet and track individuals before you let them into your house. If you post an ad on a site like Craigslist, you will be inundated by creeps. This is a promise!

You can also choose to rent your car, using a service like Turo, which is unique in that it allows you to rent your car whenever you’re not using it.

According to Turo, users can generate a whopping $706 per month by using their service (65% to 85% of the trip price, depending on the type of protection that you select). Turo offers $750,000 in liability insurance and physical damage protection, giving you the peace of mind that you’re covered if an accident occurs.

All you have to do is list your car for free, set your price, and create customizable rules that govern user behavior. For example, you may set a rule preventing renters from engaging in certain activities like smoking or picking up passengers.

13.  Cut your Budget

As they say, money saved is money gained. You can probably make $20 fast in real-time cash just by cutting out unnecessary services that you are overpaying for.

I’m willing to bet you have at least two video streaming channels, a gym membership that hasn’t been touched since before the pandemic, and a streaming music service that you only ever listen to in the car.

Why not eliminate all or most of these services? This will almost instantly put money back in your account, letting you spend or invest it as needed.

Living a low-waste financial lifestyle is the key to retiring early and living the life of your dreams. If you want to get rich, you need to plug the holes in your monthly budget — it’s that simple.

If you’re not sure where to start, consider using a personal financial assistant like Trim which can help you negotiate bills and save money. Trim is a free service, so there’s nothing to lose by giving it a try.

Remember: The most important thing you can do right now is to set a budget and stick to it.

14. Scour Craigslist for Work

You’ll be surprised by what you can find on Craigslist. It’s actually a phenomenal site for people who need to make money quickly.

Craigslist works best in densely populated areas, where people are constantly posting things they need on the site. You can make $20 doing things like yard work, house maintenance (like painting and gardening), or helping move furniture. You could also find legitimate gigs, and earn money by reading to people, editing, cooking, dishwashing, or acting as a translator.

Like most sites on the internet, you have to be very careful of scams when working on Craigslist. However, it’s direct access to low-hanging fruit if you’re not afraid to take a little bit of a risk, work under the table, and maybe get your hands dirty a bit.

Another way to find quick work is to use a service like TaskRabbit or DoorDash, which will connect you with locals who need help with quick jobs like hanging curtains, painting, or grocery shopping. TaskRabbit is a bit more secure than going through a site like Craigslist.

15. Make Money Online as a Blogger

If you have a way with words, then start a blog on a topic of your choice, produce great content, and host ads on your page using Google AdSense.

In time, you’ll start getting paid every time someone clicks on a link. Plus, AdSense makes it very easy to set up. They will essentially manage and pay you when people click the link, sparing you from having to manage the process yourself.

You can also go a step further and add affiliate marketing links into your blog, or social media pages, and maybe even earn cash whenever someone makes a purchase after clicking on your link.

This can be much more profitable than just hosting ads. When used together, affiliate marketing and ads can earn you a large amount of money working online.

16. Be Smarter about Drinking

Drinking might be fun, but it’s not exactly easy on your body or your wallet. If you’ve been drinking a lot, you may want to consider going on a health kick for a few days or limiting the number of adult beverages you’re consuming throughout the day.

You can also try being savvier about drinking by attending happy hours or opting for a light beer instead of an expensive cocktail at the end of the day.

And before you head out to the next restaurant, consider asking whether you can bring your own bottle for the table.

This can allow you to drink and have a good time without paying exorbitant prices for booze.

Try this for a few weeks, and watch as the savings pile up. You’ll have more expendable money in no time at all — and you’ll feel better, too.

Just being cautious of ordering fast food and drinks all the time will save you $20 fast!

17. Open a Checking Account

Banks often run promotions that will give you cash in exchange for opening a checking or savings account and leaving it there for a specified amount of time.

For example, Capital One currently has an offer that will provide you with $100 if you spend at least $300 within 90 days of opening your account.

The $100 will appear in your new account within 60 days after your 90-day spend period ends. So, you have to wait a little while, but you will eventually get paid.

Generally speaking, it’s best to avoid this type of offer and open a checking account because you actually like the bank and its services. It’s not a good idea to keep moving from bank to bank to collect offers. However, it’s not illegal.

18. Use Cashback Apps

Another strategy that you can try is to use cash back apps, which give you cash rewards you for making certain types of purchases.

Some of the top cash back apps include:


Ibotta is a cashback service specifically for grocery shopping. Ibotta partners with over 300 chains in the U.S., offering a variety of bargain opportunities.

AND to top it off, Ibotta is literally offering a $20 welcome bonus…mic drop.


Drop is a service that will provide rewards for buying your favorite brands. Basically, you link your credit or debit card and track purchases made at qualifying merchants. When you make qualified purchases, you will earn Drop points which are worth 0.1 cent each. These can be cashed in for free gift cards.


Swagbucks offers cash and gift cards that can be redeemed at leading retailers like Amazon.

Swagbucks will reward you for doing things online, like shopping, watching videos, searching, and even pay you to play games.

If you spend a lot of time online, this service is for you. Soon enough, you can cash out with a Walmart or free Amazon Gift Card and go get $20 worth of stuff.

You can also earn $10 now just by signing up with Swagbucks, so why not? That is halfway to your goal of $20 fast!

19. Babysitting or Petsitting

Take a look at your network of friends and family. Someone in your group is bound to be looking for a reliable babysitter or pet sitter who is responsible, reliable, and trustworthy.

Babysitting and pet sitting is a great way to earn $20 or more in under-the-table cash. And if you do a good job, you can generate long-term revenue opportunities and dedicated clients.

One of the best parts about babysitting and pet sitting is that there is usually a lot of downtime to watch movies, read, or play video games.

As long as you are responsible and on-call for the child or pet, you are basically free to hang out and enjoy life when babysitting.

20. Become a Personal Trainer

Here’s a startling stat: The average American has gained 12.5 pounds during the pandemic.

What’s more, many people have canceled their gym memberships out of fear of catching the novel virus.

So, if you’re a fitness junkie with a passion for helping other people lose weight, you may be able to make more than $20 cash fast acting as a fitness consultant.

There are two ways you can go about this.

You can either have a single consulting session and help someone create a fitness plan that aligns with their current body weight, schedule, and lifestyle.

Or you can take this a step further and work with that individual directly, helping them stay on track and reach their goals.

Ready to Make $20 Fast?

As you can see, there are countless ways that you can make some quick cash. Whether you’re looking for part-time work or just some extra cash in your free time, the internet has made it easier than ever to literally create money out of thin air.

The amount of effort that you choose — and your financial return — is entirely up to you. Just remember to be smart about how you spend your income.

The more you put aside for retirement now, and the less you spend on your credit cards, the faster you will reach your goals and achieve financial independence.

Many people are choosing to retire much earlier, and spend their golden years pursuing new entrepreneurial opportunities and passions. With the right approach, you can do the same.

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