Casual (But Not Creepy) Ways to Make Money at Night

Disclosure: We’re letting you know that this post contains sponsored links which The Smart Wallet receives compensation for, which may impact their order of appearance because talking about money should always be an honest discussion.

Don’t worry, no weird pics or videos suggested. 

Instead, let’s go over some fun and unknown ways to make some side cash that you may not have heard of. We’re all about trying new apps and services here, so we’ve picked some of our favorites below.

It’s a good mix of practical, fun, and legit ways but by no means would take the place of a full-time job. Yep, you still need one of those. So if you can’t sleep but still want to be productive, here are some casual ways to make money online at night. 

1. This Paid Survey Panel Gives Out 7,000 Gift Cards Daily

There are a lot of survey programs out there, but none as popular as Swagbucks, a free rewards program where you can earn cash for your time and opinion. Members can earn an average of $50 a month!

Get rewarded for doing surveys, online shopping, uploading receipts, and playing fun games, but the one activity that earns you the most points is completing surveys. Redeem points for free gift cards, cash, and crypto vouchers. There are hundreds of different offers to explore and complete!

New members can get a free $5 just for signing up, so join the other 10 million members already part of Swagbucks and start earning free rewards!

2. Join the Millions of People Earning Up to $20 Per Survey

Karolina Grabowski

Companies are always looking for feedback to improve their products so get paid for just giving your honest opinion!

Just sign up for Survey Junkie (it’s free!), and join over 20 million members already earning cash. Completing a survey earns you 20 to 100 points. Each point is worth one cent, and when you hit 500 points (or $5) you can cash out, which is one of the earliest cash out points we’ve seen!

Redeem for popular online gift cards, Paypal cash, or bank transfer.

It only takes a few minutes to join Survey Junkie and you’ll earn your first 100 ($1 value!) points just by creating an account and verifying your email address. Earn even more when you take more surveys.

3. Get $10 to Invest in the Legal Cannabis Industry and Crypto. No Experience Necessary.

6 million customers already use Stash, an investment app, lets you start investing with as little as $1 and you can choose where to put your money, and they’ll provide guidance and tools to help. You can invest in some of the major companies that you regularly use to make a custom Personal Portfolio.

You can even invest in the legal cannabis industry which is big business as retail sales are projected to hit $70 BILLION by the end of 2028.* 

Plus, with Stash Growth and Stash+, you can also choose the Smart Portfolio option which offers hands-off stress-free investing based on your risk tolerance. You also get exposure to cryptocurrency through handpicked trusts managed by Grayscale. Stash’s customers can invest in the world’s largest Bitcoin fund, Grayscale Bitcoin Trust, and Grayscale Ethereum Trust, giving access and exposure to emerging asset classes via trusted investment vehicles. They make it easy to invest in crypto when you don’t know where to start!

It takes less than 2 minutes to start and they’ll even give you $10 to start investing when you sign up and deposit $5 or more into your Personal Portfolio.

Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures.

4. Fast Personal Loans For Any Type of Credit

Personal loans get a bad rep but if you use them for the right reasons like debt consolidation, house repairs, and unplanned major expenses like medical bills, it’s a valid option.

Save time and searching effort using LoansUnder36, a loan matching service for those looking to borrow $500 up to $35K. They’ll find loans regardless of your credit status, with APRs from 5.99% up to 36% max. Their network has over 100 vetted lenders and you’ll be able to easily compare side-by-side with no obligation.

There’s no credit score impact by applying for quotes and the repayment periods are flexible ranging from 61 days to 72 months (6 years)!

5. Never Pay Overdraft Fees Again - Banking That Has Your Back

On average, people pay $250/year just on overdraft fees!

Instead of charging you for silly fees, Chime, has your back. It’s an award-winning mobile financial app and debit card that lets you overdraft up to $200 with no fees1 via their SpotMe benefit. This means that $8 you were short on at the grocery store gets spotted and your account won’t overdraft, saving you money. Plus, you get a sleek-looking debit card!

Combined with no monthly fees, the ability to get paid up to 2 days earlier,2 and auto-savings starting at 0.50% APY3 (which is 8x4 the national average!) makes Chime a stellar online financial option that doesn’t focus on profiting off of you like traditional banks.

Since Chime is free to use, give it a shot and see how you like it.

6. Get Paid in Gift Cards if You’re Chill with Lock Screen Ads

With S’more you get paid every day you unlock your phone. It’s even easier than it sounds, and since you can cash out with as little as $1 there’s no waiting around for your rewards.

Just by using your lock screen, watching videos, shopping, and even trying out apps can earn you money. S’mores pays in gift cards so you can redeem for:

  • Amazon
  • Walmart
  • Target
  • CVS
  • GameStop
  • Domino’s Pizza
  • Starbucks and more!

Just use your Android normally, and your earnings will apply daily.

7. Getting Gas = Free Cash Back

With the high gas prices lately, it’s smart to get cash back any chance you can get.

Turn on Upside, a free cash back app that partners with over 20,000 gas stations and local businesses which includes Shell, 76, along with Popeye’s, Papa John’s, and much more. You can earn an extra $148 a year (on average)!

Wherever you are, just use the app to see where you can get cash back! You can get up to 25¢ per gallon, up to 30% back on groceries, and up to 45% back at restaurants.

Easily cash out via bank transfer, Paypal, or gift card and there’s no limit to how much you can earn. Download Upside for free to start earning free cash back and new members can use a welcome code: TSW25 to get an additional 25¢ a gallon on their first gas purchase!

Gas offers are not currently available in NJ, WI, or UT.

8. 500,000+ People Received Loans for Emergencies Regardless of Their Credit

Gas prices are already high, so don’t let unexpected emergencies, like car repairs, house repairs, and more, stress you. Qualified borrowers can borrow between $500 and $4,000 through OppLoans, depending on the state of residence.*

Even better, applying won’t impact your FICO credit score^! Opploans reports customer payment history to the three major credit bureaus so that consistent on-time payments may improve credit score.+

OppLoans is also committed to helping customers build a better financial path forward. If OppLoans can’t give you the best rate, they’ll automatically check other lenders to see if you qualify for better terms!

You can see a state-by-state breakdown of loan rates and terms here.

9. The Best Financial App That’ll Save You $720/Year + Track Your Net Worth

Knowing your net worth isn’t just for rich people. It’s a financial report card that can tell you if you’re on the right track or if you need a wake-up call. To calculate it, you need the value of all your assets (things you own) minus your liabilities (things you owe). But wouldn’t it be nice if there were a tool that tracked your net worth over time for you?

Enter Truebill, the free money management app that’s like your personal finance assistant. It groups all your banking accounts together so you can see your earnings and spending in one spot. Plus, it helps you budget even if you don’t know how to.

  • The app will find all your recurring bills and subscriptions (even those you forgot about)
  • Truebill can help lower your bills by 20% (they negotiate for you)
  • The app also helps you start budgeting and set up auto-savings too
  • Their newest feature easily tracks your net worth

See what your savings could be with Truebill and start tracking your net worth too!

10. Real Cash Back on Groceries & More

Use this free app to get cash back on the stuff you already buy! Millions of people use Ibotta to earn cash back on their everyday purchases, like groceries, household essentials, food delivery, online shopping, and more.

It’s super simple:

  1. Just browse Ibotta first before shopping and add offers from thousands of products from your fav retailers to Your List
  2. Go shopping in-store or online, and submit your receipt (or link grocery accounts) to earn free cash
  3. When you’re ready to cash out, withdraw directly to your bank, PayPal, or gift cards!

Ibotta is free to download and you’ll also get $10 in Welcome Bonuses when you sign up! It’s like you’re getting paid to shop. Save big, just in time for summer!

11. Invest in Real Estate Without Buying an Expensive House - Start with Only $10 (+Get $10 Bonus!)

Building wealth through real estate is smart but not everyone can drop down major cash to own entire properties especially when house prices have risen by 20% This is where HappyNest comes in, offering you the opportunity to invest in real estate with no platform or broker fees.

It only takes $10 to start and you’ll be earning guaranteed passive income from the rent that’s collected from Fortune 100 tenants, like CVS Health, FedEx, and more!

  1. Start by signing up with HappyNest (industry-standard bank-level security)
  2. Set up your first deposit of $10 and you’ll get a $10 BONUS on top!
  3. Earn guaranteed quarterly income

Signing up takes 2 minutes and you’ll be on your way to a low-risk, long-term investment as well as a fun way to diversify your portfolio. Plus, our readers get a special $10 bonus!

12. Pay the Mortage Renting Out Extra Space to Neighbors

The housing market is insane right now & if you managed to snag one, here’s how to help pay it off. Turn any unused space (a closet, a portion of the garage, a shed, etc.) into passive income by becoming a Neighbor Host. It’s free to list your space and you’ll earn extra money that can go towards your new mortgage!

Becca P., a middle school teacher, makes an extra $10,000 a year being a host!

  1. List your space for free (describe the space you have available, upload photos, and how much you’d like to earn)
  2. Review renter requests (what they want to store/when) and approve
  3. Schedule a move-in time with your new renter for their belongings

There’s no extra paperwork, and Neighbor automatically deposits money into your account each month, even if the renter doesn’t pay. Plus, there’s $1,000,000 property coverage for you and protection plans for your renters.

13. Affordable Car Insurance Exists - Save Up To $610

You’re probably overpaying on your current auto insurance without even realizing it.

  1. Just check on EverQuote to start comparing
  2. They’ll check from plenty of agencies to find you the best deal
  3. Pick your savings!

It literally takes less than 4 minutes to fill out the form to start saving big. EverQuote can save drivers up to $610 a year on average* compared to their current insurance premiums.

It’s super simple so try it out to see how much you could be saving on the road!

14. The Money App That’s Backed by Paypal, “The Rock,” Ashton Kutcher, and More

Celebrities and leading investors can be particular about where they put their money, but Acorns has caught the attention (and their investments) of Blackrock, CNBC, Paypal, and major celebrities like Dwayne Johnson, JLo, and more. Not to mention, they already have 9 million+ customers!

That’s because Acorns Banking does more than other types of accounts as it automatically saves and invests for you. Every time you make a purchase with your new metal debit card, the spare change gets invested into an expert-designed, diversified portfolio of stocks and bonds. When you make your first investment, you’ll get a $20 bonus!

You can get started in under 3 minutes with no financial experience or expertise needed. You’ll also get access to retirement, investing for families, rewards, and more, all in one app.

With no hidden fees, Acorns makes it easy to invest in your future with your spare change.

15. This App Can Help You Earn an Extra $5,500 Per Year

Side gigs and WFH opportunities are here to stay, and one of the easiest ways to find these opportunities is via the free Steady app. Their community of 5 million members agrees- it’s one of the best free ways to find flexible jobs, cash grants, along with quick Income Boosters to earn extra money!

It’s simple:

  1. Download Steady and create a free account
  2. Securely link your bank account to track financial progress and receive income boosters
  3. Try your first Income Booster; earn up to $75 each and they’re easy to do!

On average, Steady Members can lift their income by an extra $5,500/year after joining Steady for free. 

16. Get Paid Up to $225/Month While Watching Viral Videos and Taking Fun Surveys

Founded in 2000, Inbox Dollars has been around and paying customers for their opinions for over 19 years and counting! They are one of the most trusted survey sites with fun, multiple ways to earn extra cash that sets them apart from the others.

Take surveys, watch videos, play games, and even read email for some extra cash. Who wouldn’t want to watch viral videos and get paid up to $225 a month?

Inbox Dollars is a great platform to make a little side money. It’s free to sign up, so give it a try today!

17. Get Free Stock Worth Up to $225

@MayoFi | Unsplash

Investing may seem expensive and most people put it off until they have “enough” money for it.

But time is the most important factor and Robinhood lets new investors get started with just $1.

This free trading app lets you trade stocks, ETFs, and options, along with cryptocurrency, commission-free! When your application is approved, they’ll give free stock worth $2.50 up to $225 for new members, with chances to get a high-value stock in Facebook, Microsoft, etc.

With a near-perfect 4.8 score from 2.3 million people, it’s a popular app that you should check out if you’re interested in investing.

18. Here’s How to Still Afford Summer Vacay Plans This Year

You’re ready for revenge travel but yikes inflation is going up. How are you still going to make the most of your summer?

Use Scott’s Cheap Flights, where you can get up to 90% off flight prices since their team searches for the best deals for you all day long. And since they don’t get kickbacks from airlines, you know they’re not biased.

Here are some examples of some real deals going on:

  • $186 nonstop to Costa Rica
  • $177 nonstop to Hawaii
  • $286 nonstop to Barcelona
  • $353 nonstop to London
  • And more!

Just sign up to be a free member and remember to verify your email. To start getting the really good deals though, try out the 14-day free trial of their Premium or Elite memberships. Our readers can get 20% off Premium with promo code: SMART20

Try out the free membership and see how you like it!

19. Curious About Crypto? Don't Miss Out

We get it, crypto seems daunting. You’ve probably heard about Ethereum, Bitcoin, Binance Coin, etc. but did you know there are actually thousands of different cryptos? It can be hard to make sense of it all.

Luckily, there’s Public.com, an investing platform that helps people be better investors. With Public, you can invest in fractional assets like stocks, ETFs, and crypto- all in one place.

Member portfolios are supported by a suite of investing tools, curated content, and crypto insights from millions of investors, creators, and analysts. In addition, programs with Public Live and Public Town Hall help you understand what’s happening in the market so you can invest with context. Forget the days of needing to browse the web on How to Invest…

Engage with a community of investors on Public and start building your crypto portfolio today. Plus, get up to $300 in stock when you open an account and deposit funds!

20. Scan the Stuff You Buy & Get Free Rewards

The exclusive National Consumer Panel (NCP) program is opening up again for more participants! Make your voice heard and get paid for it!

Panelists use the app to scan barcodes of items purchased & provide details. You’ll then earn points for gift cards, tech like tablets and flat-screen TVs, and much more from their gift catalog!

The more you share your shopping habits (scan barcodes), the more rewards you can get. It’s a fun way to earn more rewards on items you’ve already purchased and at no extra cost to you.

Register now to see if you’re eligible to be a National Consumer Panelist. If you don’t get accepted based on your location, don’t worry!  They’re always expanding locations, so check back again.

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