How To Get $20 Instantly In 8 Proven Ways

If you’re in a bind and wondering how to get $20 instantly, there are plenty of safe and simple ways to access quick cash without resorting to payday loans or high-interest options. Here’s how you can get $20 fast using apps, gigs, and smart money strategies.

In need of quick cash? Whether to cover an unexpected expense like an urgent bill or to boost your savings, making $20 fast is a great way to get a little extra cash. There are plenty of ways to make $20 instantly if needed.

While it might not be a big amount on its own, the compound will leave you much more money than you started with over time. Furthermore, in an era where the Internet has connected everything and millions worldwide, making $20 fast online is no longer an issue.

You only need a mobile phone and an internet connection to get $20 fast. In case of a financial emergency, you can use Beem Everdraft™ to get $5 – $1,000 instant cash advance without any income restrictions, interest or credit checks.

Top 10 Apps to Get $20 Instantly

SN.	Apps to Borrow 20 Dollars Instantly	Description	Features
1	Beem	A financial wellness app offering small cash advances to help users manage until their next paycheck.	– Withdraw $5 to $1000 – No credit check – Early access to direct deposits – Budgeting tools
2	Earnin	Allows access to earned wages before payday to avoid overdraft fees and expensive loans.	– Cash advances up to $500 – “Lightning Speed” deposits – Balance Shield alerts
3	Dave	A banking app providing overdraft protection and cash advances to manage finances effectively.	– Cash advances up to $250 – Budgeting features – Side Hustle job connections
4	MoneyLion	A comprehensive app offering cash advances, banking, investing, and credit-building tools.	– “Instacash” advances up to $250 at 0% APR – Early direct deposit – Investment and credit tracking
5	Brigit	A budgeting app with cash advance features aimed at controlling finances and avoiding overdraft fees.	– Advances up to $250 – Budgeting and spending insights – Credit-builder loans
6	Branch	Targets hourly workers with early access to earned wages and financial tools in one app.	– Instant pay access – Free debit card and no-fee ATMs – Budgeting features
7	PayActiv	Offers early wage access as an employee benefit, including financial wellness tools.	– Access to earned wages – Bill pay, budgeting, and savings tools (employer dependent)
8	DailyPay	Provides on-demand access to earned wages through employer partnerships.	– Access earnings instantly for a fee or free next day – Balance builds with worked hours
9	FlexWage	On-demand pay and financial wellness solutions offered as a workplace benefit.	– Access to wages through employer’s plan – May include financial education tools
10	Possible Finance	Offers small installment loans to help build credit, with a quick approval process.	– Loans up to $500 repaid in installments – Reports to credit bureaus – Potential for higher loan limits

1. Beem

Beem is a leading financial wellness app designed to help users bridge the gap between paychecks. It offers small cash advances to cover unexpected expenses or emergencies.

Features:

• Get cash from $5 to $1000 for emergencies
• No credit check and no hidden fees
• Early access to direct deposits (up to 2 days faster)
• Budgeting tools and financial insights

2. Earnin

Earnin allows you to access a portion of your earned wages before payday. It’s focused on avoiding overdraft fees and providing an alternative to traditional loans.

Features:

• Cash advances up to $100 per day, with potential to increase your limit to $500
• “Lightning Speed” for near-instant deposits for a fee
• Balance Shield alerts to avoid overdrafts

3. Dave

Dave functions as a banking app with an overdraft protection and cash advance component. It’s aimed at helping users manage their finances more effectively.

Features:

• Cash advances up to $250
• Budgeting features to track spending
• Side Hustle tool connects you with gig work opportunities

People Also Search For Apps Like Dave.

4. MoneyLion

MoneyLion is a comprehensive financial app with cash advances as one of its features. It also offers banking, investing, and credit-building tools.

Features:

• Instacash advances up to $250 with 0% APR
• RoarMoney banking account with potential for early direct deposit
• Investment options and credit tracking

5. Brigit

Brigit is a budgeting and financial planning app with a cash advance feature. Its aim is to help users control their finances and avoid overdraft fees.

Features:

• Advances up to $250
• Budgeting tools and personalized spending insights
• Credit-builder loans available (separate from cash advances)

6. Branch

Branch is targeted to hourly workers, providing early access to earned wages and other financial tools within a single app.

Features:

• Instant pay access
• Free debit card and no-fee ATM network
• Budgeting features

7. PayActiv

PayActiv partners with employers to offer early wage access as an employee benefit. It also includes financial wellness tools.

Features:

• Access to earned wages between paychecks
• Bill pay, budgeting, and savings tools may be available depending on your employer’s plan

8. DailyPay

DailyPay allows on-demand access to earned wages. It works with companies to offer this service directly to employees.

Features:

• Build your available balance through worked hours
• Transfer earnings instantly for a fee or next business day for free

9. FlexWage

FlexWage provides on-demand pay and financial wellness solutions for employers to offer as a workplace benefit.

Features:

• Access to earned wages dependent on the employer’s plan
• May include financial education tools

10. Possible Finance

Possible Finance provides small installment loans to help build credit. It offers a quick approval process, even with poor credit history. you can able to easily borrow $20 dollars instantly.

Features:

• Loans up to $500 typically repaid in 4 installments
• Reports payments to credit bureaus to potentially improve scores
• Potential for higher loan limits over time

Top 8 Ways to Make $20 Fast

With inflation still raging and a possible recession looming, millions of people are seeking ways to make money fast. Here are some legit ways to find the quickest way to get that extra cash when you need it the most.

These options don’t require a large startup investment or specialized skills. So, let’s get into the simple steps to get $20 instantly. 

Method To Get $20 Instantly	Description	Pros	Cons
Cash Advance Apps	Borrow earnings from upcoming paycheck	Fast, convenient	Fees, interest, eligibility requirements
Referral Programs	Earn money by referring friends and family	Passive income, easy to do	Requires social network, depends on platform rewards
Selling Items Online	Declutter and earn cash on used items	Quick, profitable, decluttering benefit	Time investment, listing fees, shipping costs
Freelancing and Gig Work	Utilize skills for online or local work	Flexible hours, income depends on skills	Finding consistent work, competition
Participating in Online Contests	Enter contests on social media for prizes	Fun, potential high reward	Low success rate, time commitment
Online Surveys	Answer questions for market research	Easy, can be done in free time	Low pay per survey, time commitment
Driving For Uber	Give rides to passengers through rideshare app	Flexible hours, good hourly rate	Car requirements, driving safety risks
Cashback and Rebate Apps	Earn cashback on everyday purchases	Passive income, saves money	Requires planning, may have minimum redemption amounts

1. Use Cash Advance Apps to get $20 Instantly

They are fast options for cash and can save you a lot of trouble. These apps let you borrow earnings from your upcoming paycheck. With so many cash advance apps out there, choosing wisely is paramount. It’s essential to pick an app in tune with one’s financial behavior and goals.

Beem, EarnIn, Dave, Brigit, Chime and Current are the top cash advance apps if you need extra money. To apply, you must meet the eligibility criteria. These often include being a US resident who’s 18 or older.

2. Referral Programs

Many platforms offer referral programs that allow you to earn money by referring friends and family. Make sure you share your referral links on social media and with your contacts to increase your earning potential.

3. Selling Items Online

You can also earn $20 by selling your used and unused items online. Trading some of the stuff you don’t need is an easy way to get cash. It can be your old cell phone, clothes, jewelry, appliances, and more.

You can create listings and accept PayPal payments on many platforms, such as eBay, Facebook Marketplace, and Decluttr. Poshmark lets you set up an online closet to showcase the items for sale.

The benefit of this method is that it allows you to declutter your space while also turning your belongings into some extra income.

In addition, you can sell your art online or even put up stock photos for sale. Unused gift cards can also be sold for cash. You can look for stores that buy second-hand products. There is a good chance you will be offered a lower amount, but this can save you from the online dilemma.

While you are looking online at sale sites, you can also look out for flash deals on a range of categories that can help you save a significant amount of money.

4. Freelancing and Gig Work

Do you have a unique skill set? You may be good at playing some instrument, have an eye for graphic design, or have a knack for writing. As a freelancer, you can find countless opportunities to make money online.

Platforms like Upwork, Fiverr, Etsy, and other similar sites cater to freelancers, offering them a space to create a profile to showcase their skills, build a network with hiring managers, and find work. You must set your convenient hours and decide how long you will commit to a project. This can help in padding your income.

You can also make money by delivering food or grocery orders. Delivery services like Doordash or UberEats pay you to pick up food from restaurants and deliver it to customers.

Another way to make quick money is by babysitting kids or providing dog walking services in your local area. You can be an online tutor providing academic assistance to students of different grade levels with homework or studying for exams.

Freelancing has the advantage that the more experience you acquire, the more demand you generate and, therefore, the more you can charge. 

5. Participating in Online Contests

Entering online competitions is a great way to make some extra money. Many companies and influencers host contests on social media platforms.

You can participate and earn by following, sharing, liking, and commenting as required. Consistency is key. You need to regularly participate in contests to increase your chances of winning.

6. Online Surveys

You can start making money by taking surveys and answering marketing questions in the next few minutes. They use your answers to create better products and services. Paid survey sites are a great way to get some money in your account.

All you have to do is merely answer simple questions online. You can take these surveys at your own pace, in your free time, and make money online. Pay is low, but with enough surveys, you can easily add up to $20.

Some pay in cash, some sample merchandise and some offer online gift cards. Make sure to do your research in advance to avoid scams. Inbox Dollars, Swagbucks and Survey Junkie are among the legit survey platforms.

7. Driving For Uber

A reliable car is one of most people’s biggest assets, other than their houses. If you have your own car with a good driving record and a flexible schedule, working for a rideshare app like Uber can benefit you.

Uber connects passengers with drivers through an extensive network. So, when you sign up as a driver with Uber, you will automatically connect with hundreds of passengers. You only need to drive to the pick-up location and take the passenger to the right destination. 

This flexible side hustle will help you to get a good source of extra income by giving rides to passengers around the town. Most Uber drivers will make around $15 to $25 per hour. However, before you start driving for Uber, you’ll need to check whether you meet the driving requirements.

Also, if you drive in a populated downtown area, you’ll see a late-night Surge. They are more likely to happen during morning and evening rush hours, allowing you to make as much money as possible.

It’s important to manage your finances as an Uber driver. While some might search cash advance for Uber drivers to cover gaps between rides, these often come with high fees. Consider alternative ways to manage your cash flow for long-term success.

8. Cashback and Rebate Apps

You can earn cashback on groceries, clothes, and other everyday items with apps like Rakuten and Ibotta. It is possible to accumulate significant cashback over a month with these rewards.

How To Make 20 Dollars Fast

If you’re looking to make $20 fast, there are several practical ways to get it done within a few hours, especially with resources like Beem to help you manage and access funds quickly. One of the most reliable approaches is offering quick services in your local area—things like dog walking, lawn mowing, or running errands for neighbors. These tasks often pay in cash on the spot and require little to no upfront cost. Another option is to sell unused items from around your home.

Electronics, clothes, books, or even small appliances can be listed on platforms like Facebook Marketplace or Craigslist, where local buyers often pay immediately. If you have access to a car, bike, or scooter, you can also take advantage of gig economy apps like DoorDash, Uber Eats, or Instacart, where a couple of hours during peak times can easily net you $20 or more, and in many cases, you can cash out instantly.

For those who prefer to work online, microtask platforms such as Amazon Mechanical Turk or Clickworker allow you to earn small amounts for quick tasks, surveys, or data entry, which can add up to your goal in an afternoon. If you have a skill like writing, graphic design, or video editing, you can offer a rush service through freelance marketplaces or even post a quick gig in your social network.

Babysitting or pet sitting is another way to hit $20 quickly—many people are willing to pay right away for a few hours of care. Recycling bottles, cans, or scrap metal can also put cash in your hand the same day, especially in states with deposit return programs.

You can even look into paid research studies through sites like Respondent.io or UserInterviews.com, which sometimes pay $20 to $50 for under an hour of participation. And here’s where Beem can make your life easier: if you find yourself short before your earnings hit your account, Beem’s Instant Cash feature can give you quick access to funds to cover immediate needs without waiting for a traditional bank deposit.

This means you can work on earning that $20 while still having access to money when you need it most. By combining a couple of these methods—like selling an item and completing a short delivery shift—you can comfortably reach your $20 target in just a few hours, all while having Beem as a financial backup to smooth out the gaps.

Conclusion

With inflation still raging and a possible recession looming, millions of people are seeking ways to make money fast. And who can ever complain about getting extra and easy money? It never hurts to have an extra source of income. Just stay updated with any changes to maximize your earnings.

In conclusion, take advantage of the numerous opportunities available offline and on the Internet. The key is to identify your strengths and interests and then leverage them to find online jobs that match them. Online surveys and freelance writing are just two ways to earn money online. But remember, it is also essential to be cautious of scams.

So, ensure that you thoroughly research before taking on any online job. Also, Beem offers $5-$1,000 instant cash advance for your emergency needs with no credit checks, interest and income restrictions.

Frequently Asked Questions On Get $20 Instantly