I Need $20,000 by Tomorrow (10+ Methods)

By Forrest McCall •  Updated: 02/14/24 •  10 min read

If you need $20k by tomorrow, there are a few ways you can secure some cash.


Some of the best ways to get $20,000 in one day include:

  • Taking out a loan with Zippy Loan
  • Asking friends and family for money
  • Selling any valuable you have

1. Get a Personal Loan with Zippy Loan

If you need $20,000 by tomorrow, getting a personal loan is a viable option. One platform that can help you find a lender is Zippy Loan.


Zippy Loan is a loan marketplace that connects borrowers with multiple lenders. By filling out a single application, you can receive multiple loan offers from lenders. This can be helpful if you have bad credit or are looking for a lender who offers a specific loan term or interest rate.

To apply for a personal loan with Zippy Loan, you need to meet certain eligibility requirements. These include having a steady income, a valid social security number, and being at least 18 years old. You will also need to provide documentation such as pay stubs and identification.

Keep in mind that personal loans are unsecured loans, meaning you do not need to provide collateral. However, if you have bad credit, you may face higher interest rates. It's important to shop around and compare rates from multiple lenders to find the best deal for you. Whether you need $500 by tomorrow or $20k – taking out a loan is an easy option.

2. Sell Unwanted Items

If you need to come up with $20,000 by tomorrow, selling unwanted items is a quick way to make some cash. Look through your home and identify items that you no longer need or use. These could include clothes, electronics, furniture, and more. You can sell these items online through websites like eBay, Craigslist, or Facebook Marketplace. Alternatively, you can sell items in person at a garage sale or flea market.

Before you sell your items, research their value to ensure that you are pricing them correctly. Be prepared to negotiate with potential buyers to ensure that you get the best price possible. Take high-quality photos of your items and write detailed descriptions to attract buyers.

Selling unwanted items is a great way to not only make some quick cash, but also declutter your home. Use the money you make from selling your items to pay off debt, build up your emergency fund, or finance a necessary expense. By selling unwanted items, you can take control of your finances and improve your budget.

3. Ask Friends or Family for Money

When you need $20,000 quickly, asking your friends or family for money might be the easiest and quickest option. However, it is important to keep in mind that borrowing from friends or family can put a strain on your relationships if not handled properly.

To make sure things go smoothly, only ask those closest to you and whom you believe have the financial means to lend you the money. It is also best to ask face-to-face if possible, so you can explain your situation in more detail and answer any questions they may have.

When asking for money, be clear about your repayment plan and stick to it. This will help build trust and ensure that your relationships with your loved ones remain intact.

Remember to approach the situation with humility and gratitude. Borrowing money is a big ask, so be sure to express your appreciation and thankfulness for their help.

4. Freelancing

If you need $20,000 by tomorrow, freelancing may be a good option to consider. Freelancing is a way to earn money by offering your skills and services to clients on a project-by-project basis. You can work as much or as little as you want and set your own rates.

To start freelancing, you'll need to identify your skills and create a portfolio to showcase your work. You can then use online platforms like Upwork, Fiverr, or Freelancer to find clients and start earning money.

Freelancing can provide a steady income, but it may not be the most reliable source of income. You'll need to be proactive in finding clients and managing your workload to ensure a steady stream of income. Additionally, you may need to provide pay stubs or other proof of income to lenders if you're seeking a loan.

5. Pawn Valuables

You might consider pawning some of your valuable items to reach your goal. Pawnshops are lenders that offer loans in exchange for collateral. You can pawn items such as jewelry, electronics, sports equipment, and workout equipment.

When you pawn an item, the pawnshop will appraise its value and offer you a loan based on that value. The loan amount is usually a percentage of the item's value. You can either repay the loan with interest within a certain period or forfeit the item to the pawnshop.

Keep in mind that pawnshops may have different appraisal methods and interest rates, so it's best to shop around and compare offers. Additionally, make sure to pawn items that you can live without, as you may not be able to get them back if you can't repay the loan.

6. Sell Your Car

If you need to get $20,000 quickly, selling your car could be a great option. You can use online car selling websites like CarGurus, Edmunds, CarMax, and TrueCar to get an instant cash offer for your vehicle. These websites will ask you to enter your car's information, such as the VIN, mileage, and condition, and then provide you with a redeemable offer.

Once you have accepted the offer, you can schedule a time for the car to be picked up. The process is quick and easy, and you can get paid within a few days.

Selling your car can help you pay off any debts or outstanding auto loans you may have. It can also provide you with the funds you need for financing a new car or other expenses.

Before selling your car, make sure to clean it thoroughly and take good-quality photos. This can help you get a higher offer and make the process smoother.

7. Do Odd Jobs

If you need $20,000 by tomorrow, one option is to do odd jobs. There are various odd jobs that can pay well and help you earn the money you need quickly. Some of these jobs include:

These odd jobs can pay anywhere from a few dollars to several hundred dollars per gig. If you have a particular skill or talent, you can leverage it to earn more money. For example, if you're a skilled makeup artist, you can offer in-home makeup services to clients.

To find odd jobs, you can search online job boards or check with local staffing agencies. You can also ask friends and family if they know of any odd jobs available. Another option is to offer your services on social media or online classifieds sites.

While odd jobs can be a great way to earn extra income quickly, they may not be a long-term solution. If you need to earn a steady income, you may want to consider finding a traditional job or starting your own business.

8. Investing in Cryptocurrency

If you're looking for a quick way to make money, investing in cryptocurrency might be an option worth considering. While it's not a guaranteed way to make money, there have been cases where people have made a significant profit from investing in cryptocurrencies.

Before you invest, it's important to do your research and understand the risks involved. Cryptocurrencies are highly volatile and can fluctuate in price rapidly. This means that you could potentially lose a lot of money if you invest in the wrong cryptocurrency or at the wrong time.

If you have some extra funds that you're willing to invest, you can start by researching different cryptocurrencies and their potential for growth. Look for cryptocurrencies that have a strong team, a clear use case, and a solid track record.

I recommend using Binance to buy and sell crypto. It's easy to use and available to anyone.


It's also important to have a long-term perspective when investing in cryptocurrency. Don't invest more than you can afford to lose, and don't expect to make a quick profit. Cryptocurrency investing requires patience and a willingness to hold onto your investment for an extended period of time.

9. Crowdfunding

If you need $20,000 by tomorrow, crowdfunding can be a quick solution. Crowdfunding platforms like GoFundMe and Kickstarter can help you raise the money you need. You can create a compelling campaign detailing your situation and the purpose behind the $20,000 target.

To make your campaign more effective, you should be transparent about your financial situation and explain why you need the money urgently. You can also offer incentives to donors, such as a personalized thank-you note or a small gift.

Crowdfunding can be a great way to raise money quickly, but keep in mind that there are fees associated with using these platforms. Additionally, there is no guarantee that you will reach your fundraising goal.

Before launching a crowdfunding campaign, make sure to read the terms and conditions of the platform you plan to use. You should also promote your campaign on social media and other channels to increase your chances of success.

10. Credit Card Cash Advance

If you need $20,000 by tomorrow, a credit card cash advance may be an option to consider. However, keep in mind that credit card cash advances typically come with high interest rates and fees.

To get a credit card cash advance, you'll need to have an available credit limit on your card. The amount you can borrow will depend on your credit limit and your card's cash advance limit. You can usually request a cash advance through your credit card's online account or by calling the customer service number on the back of your card.

Keep in mind that credit card cash advances come with higher interest rates than regular credit card purchases, and interest starts accruing immediately. Additionally, most credit cards charge a cash advance fee, which is usually a percentage of the amount you borrow.

Before taking out a credit card cash advance, make sure you understand the interest rates, fees, and repayment terms. It's also important to consider how a cash advance could impact your credit score and overall debt.

If you have a good credit score and are able to pay off the cash advance quickly, a credit card cash advance could be a viable option for getting the money you need quickly. However, if you're already struggling with debt or have a low credit score, a credit card cash advance could make your financial situation worse.

11. Start a Business

If you need $20,000 by tomorrow, starting a business may not be the most practical solution. However, if you have a bit more time to work with, starting a business can be a great way to increase your income and potentially earn the money you need.

First, consider your skills and interests. Starting a business in a field you are passionate about can make the process more enjoyable and increase your chances of success. Next, create a budget and determine how much financing you need. You may be able to secure a loan from a bank or other financial institution to help get your business off the ground.

When it comes to repayment terms and loan terms, be sure to read the fine print and understand the terms before signing any agreements. It's important to make sure you can afford the payments and that the terms are favorable to you.

Final Thoughts

There are plenty of ways to make quick money, but if you need $20k – I recommend taking out a personal loan with ZippyLoan or selling things around your home. These can be fast and easy ways to get the money you need.

Forrest McCall

Forrest is passionate about helping others grow their passive income streams so they can reach financial freedom. He has been quoted in many popular finance publications including Business Insider, Bankrate, CNET Money, and more.