#1 Branded Surveys
#2 Survey Junkie
#3 Toluna
#4 Swagbucks
#5 Ipsos iSay
#6 LifePoints
#7 InboxDollars
#8 MyPoints
#9 Opinion Outpost

1. Branded Surveys

Branded Surveys is one of the world’s leading market research communities that rewards people for their opinions. Simply fill in a profile with some demographic questions and you’ll receive daily survey matches to earn points.

Upon completion of a survey, you can get an average of 50 – 500 points, equivalent to $0.5 – $5. Meanwhile, you can refer friends, complete service or product offers, participate in polls, or complete challenges to speed up your earning process. Once reaching 500 points, you can redeem them for cash or amazing rewards.

If you complete surveys consistently, like 12+ surveys per week, you could upgrade to Brand Elite, a loyalty program that will offer you up to 19% bonus of your currently earned points. Users who rank into the daily, weekly, or monthly leaderboard will obtain an additional 50 to 300 points and win a random prize (50, 500, or 1000 points). 

Availability: Anyone aged 16 or up in the U.S., Canada, and the UK
Average earnings: $0.5 – $5 per survey
Minimum withdrawal: $5
Rewards: PayPal, bank transfers, Branded Pay, e-gift cards, or charity donation 
Sign-up bonus: $1

2. Survey Junkie

Founded in 2013, Survey Junkie is another popular community where over 10 million people are sharing opinions and ideas in exchange for rewards. It mainly provides two ways for you to participate in the community: taking part in surveys or focus groups (SJ Opinion) or sharing your digital activities by installing the SJ Pulse add-on. Phone surveys or focus groups can pay up to $150 per task.

Similarly, you’ll need to set up your profile so that the website can deliver surveys that are more relevant to your background and interests. In some cases, you may be disqualified or terminated from a survey, but you can still earn $0.02 to $0.03 for the time spent.

Availability: People at least 18 years old in the U.S., Canada, Australia, or the U.K.
Average earnings: $1 – $3 per survey
Minimum withdrawal: $5
Rewards: PayPal, wire transfer, check, or e-gift cards 
Sign-up bonus: No

3. Toluna

Toluna connects businesses and consumers who share their opinions about products and services to get rewarded. As a Toluna influencer, you get points for simple tasks such as filling out your personal profile, answering surveys, referring friends, playing fun games, and more. 

Toluna allows you to choose what categories of surveys you’re most interested in, and you could also choose surveys that are either short or long. When earning enough points, you can cash out via PayPal or redeem them for gift cards to your favorite retailers. The points will expire after 12 months.

Availability: U.S., Canada, India, Singapore, United Kingdom, and 49 other countries
Average earning: 15 – 50,000 points per survey
Minimum withdrawal: $10 gift cards (30,000 points) or $10 PayPal cash (35,000 points)
Rewards: PayPal, gift cards, or gifties (chances to win real-world objects) 
Sign-up bonus: 500 points (3,000 points are worth $1)

4. Swagbucks

Swagbucks is a top loyalty and consumer rewards program offering diverse money-making opportunities. In addition to taking surveys for money, you can also watch ads or videos, play games, test samples, or just shop online or search the web as you normally do.

New users can earn a $10 bonus for account registration. And by completing a variety of online tasks, you can earn more Swagbucks points (SB points) that you can redeem for cash, checks, or gift cards. If you reach more than 250 SB points, there will be additional perks like double points and points discount for redemption. According to Swagbucks, most members are able to earn $1 – $5 a day.

Availability: U.S., Canada, India, Singapore, United Kingdom, and 49 other countries
Average earnings: $0.4 – $2 per survey
Minimum withdrawal: $10 gift cards (30,000 points) or $10 PayPal cash (35,000 points)
Rewards: PayPal, gift cards, checks, or bonus options  
Sign-up bonus: $10

5. Ipsos iSay

Ipsos iSay is a dedicated rewards community available in more than 50 markets globally. By making your voice and opinion heard, you make money as well. To get started, create an account and answer some screening questions so the website will offer you specific surveys based on your gender, race, marital status, education, and employment, etc.

You may get around 45 – 200 points for completing a survey or poll (equivalent to $0.45 – $2. Even if you’re disqualified, you still receive 5 points for participation. While Ipsos iSay focuses on paid surveys, you can also earn an extra 100 points for every friend you refer to join the website.

Availability: Anyone over 18 from all over the world
Average earnings: $0.45 – $2 per survey
Minimum withdrawal: $5
Rewards: Gift cards, cash transfers, and charitable donations
Sign-up bonus: $10

6. LifePoints

Originating as National Family Opinion in 1946, LifePoints is a well-established global platform that allows anyone over 16 to complete surveys on all sorts of brands and products for rewards. It’s an excellent and lucrative side hustle where casual users may earn $25 to $100 monthly, and even $1,500 a year if you finish all the survey invites.

Similar to Ipsos iSay, LifePoints offers only one way to earn cash and rewards, which is the paid surveys. Taking them during standard office hours, when most surveys are available, may yield better results. Mystery shopping or product testing is not included in LifePoints, but you can participate in the giveaways on Twitter, Facebook, and Instagram to win $10 – $20.

Every survey gives you a different amount of LifePoints, and the value of those points also varies depending on your redemption options. For example, 110 points equals $1 when you redeem points through gift cards or charitable donations. For PayPal credit, the points’ value is lower – 575 points for $5 PayPal cash.  

Availability: Anyone aged 16 or above in 45 countries
Average earnings: $0.25 – $5 per survey
Minimum withdrawal: $5
Rewards: PayPal or Venmo cash or a variety of gift cards 
Sign-up bonus: 10 LifePoints

7. InboxDollars

InboxDollars is a popular rewards site for people to earn extra income in a fun and flexible way. Join for FREE now and you can start making money during your downtime by:

After signing up, you’ll immediately grab a $5 bonus. To make sure you’re qualified for the surveys, the website requires you to answer a few demographic questions. Most surveys take from 6 to 15 minutes and pay you around $0.5 – $5. To max out the earnings, refer your friend to InboxDollars. You will get $1 for each referral together with 30% of the earnings your referrals made. 

Availability: Individuals aged 18 or above living within the United States
Average earnings: $0.5 – $5 per survey
Minimum withdrawal: $15 for first-time payment requests, then $10 for subsequent requests
Rewards: PayPal, Visa, or gift cards
Sign-up bonus: $5

8. MyPoints

With over 20 million active members, MyPoints is undoubtedly one of the best websites for taking surveys for money. By answering your opinions, you can earn up to 400 points for each market research survey. Alternatively, you could get paid to shop online, read emails, explore the latest details, search the web, or play games. If you successfully refer a friend and they activate the accounts, you’ll be able to grab 10% of their qualifying points.

To redeem the points for rewards, you’ll accumulate at least 480 points, which can be exchanged for a $3 gift card. The points you earned will be valued a bit differently according to your redemption options. For example, a $10 gift card costs 1,580 points while a $10 PayPal cash requires 1,590 points.

Availability: Anyone at least 18 years old in the U.S. and Canada
Average earnings: $0.6 – $1.8 per survey
Minimum withdrawal: 480 points
Rewards: PayPal, gift cards, or air miles
Sign-up bonus: $10

9. Opinion Outpost

Opinion Outpost is a market research panel where users can collect and get rewards by doing surveys. Most surveys pay between 10 and 250 points, worth $1 – $2.5. Beyond that, it provides a range of interesting ways for you to express yourself, via product tests, advert reviews, location-targeted services, diary studies, and more.

Availability: People over 18 years old in the U.S., Canada, UK, and Germany
Average earnings: $1 – $2.5 per survey
Minimum withdrawal: $5
Rewards: PayPal or gift cards
Sign-up bonus: No

FAQ:

Is it legit to take surveys for money?

Online paid surveys are legitimate businesses. Companies and organizations look for honest feedback and thoughts from consumers about their brands, services, and products, so they partner with market research companies as mentioned above to tap into their audience. Simply put, companies pay for helpful insights, and you, as consumers, earn money by voicing your opinions. And survey websites (known as get-paid-to websites) connect both of you.

Typically it’s free to take surveys for money. So if a website is asking you to pay upfront costs in order to earn money, it’s very likely a scam. To protect your personal information online, avoid websites if they: 

• Pay too much. Things that sound too good to be true are often fake.
• The website isn’t secure. A secure and reliable website should at least have a padlock icon next to the URL, which means it’s safe with a digital certificate and the information you send will be kept securely. 
• Ask for sensitive personal information. Never give away your social security number, bank account, driver’s license, or anything you think is important.
• Requires a large number of points to pay out. Most survey websites offer points valued at 1 cent and let you cash out at $5 – $15. Don’t waste time on websites that have high disqualification rates or strict payout terms.

Are paid surveys available for everyone?

Short answer: No. Most survey websites require people at least 14 years old to join, and some are open to certain countries or regions.

But compared to other side gigs, paid surveys are suitable for the vast majority of individuals, stay-at-home parents, busy college students, or anyone in between. There are no startup fees or skill or career requirements. All you need is a device, e.g. tablet, computer, or smartphone with an Internet connection to access the survey websites

How much can you earn by taking surveys?

Doing surveys online won’t make you rich overnight, but it can provide a great boost to your financial life, such as helping you cut down on the bills or earning a free cup of coffee. It’s perfect for people who don’t mind filling out some surveys in their spare time to earn extra cash. The surveys have different payouts, depending on their types or estimated time to finish.

How to get paid?

Most legitimate websites offer various redemption options. Once you’ve accumulated enough points by taking surveys, you can redeem them for cash, usually via PayPal or Visa credits, e-gift cards to popular retailers, or charitable donations. 

The payout process usually will take a few business days, usually 1 – 7 days. Here is how long the payment of the survey websites above will process:

Branded Surveys: 1 – 2 business days
Survey Junkie: Instantly
Toluna: It varies. Points for some surveys may be credited within a few days or a maximum of six weeks.
Swagbucks: 1 – 10 days
Ipsos iSay: Virtual rewards are delivered instantly; PayPal cash takes up to 3 – 4 days to be received.
LifePoints: Up to 10 days
InboxDollars: About 3 business days
MyPoints: Up to 30 business days
Opinion Outpost: Up to 6 weeks

So that’s it – 9 best websites for you to take surveys for money. If you have any questions or suggestions, please feel free to leave a comment below.

The post Surveys for Money – 9 Best Websites to Earn Real Cash appeared first on Super Easy.

Different methods of money-making varies by the time you may need to invest, the average earning potential, the entry barrier, etc. You could take a look at how they work below and choose one or a few that fit you the best.

• Apps that pay you to do surveys
• Apps that pay you to play games
• Apps that pay you for shopping
• Apps that pay you to rent space
• Apps that pay you to sell unused stuff
• Apps that pay you for driving
• Apps for finding freelance work

Best apps that pay you to do surveys

There’s no better way to monetize your spare time than taking paid surveys. Without startup fees or complex threshold, it only requires you to have an Internet connection. While this won’t make you rich overnight, it may provide a great boost to your financial life!

To make the most of your time and effort, select reputable and high-pay survey websites rather than those that pay out slowly or offer very low rates. And here are some options we’ve tested and approved.

#1 Branded Surveys

Branded Surveys is the world’s leading market research community that rewards people for their opinions. The platform is straightforward to use: you take surveys or polls or refer friends to get paid. Most surveys are worth between $1 and $3. By completing surveys consistenly, you’ll be upgraded to Branded Elite and unlock extra weekly bonus points.

Availability: Anyone aged 16 or up in the U.S., Canada, and the UK
Average earning per survey: $1 – $3
Minimum withdrawal: $5
Reward options: PayPal Cash, bank transfers, or e-gift cards 
Sign-up bonus: $1

Join Now >>

#2 Survey Junkie

Founded in 2013, Survey Junkie is a popular community where millions of people are sharing opinions and ideas in exchange for rewards. By enrolling as a member, you have various fun ways to join and earn, such as taking surveys, participating in focus groups, or sharing your digital browsing activities.

Availability: People at least 18 years old in the U.S., Canada, Australia, or the U.K.
Average earning per survey: $0.5 – $3.5
Minimum withdrawal: $5
Reward options: PayPal Cash, e-gift cards, or bank transfers 
Sign-up bonus: No

Join Now >>

#3 Toluna

Toluna has over 21 million members earning reward points by taking surveys every day. Different from many paid survey websites that are only available to the U.S., Toluna is open to users from 50 countries in Europe, Asia Pacific, and North America.

Availability: U.S., Canada, India, Singapore, United Kingdom, and 49 other countries
Average earning per survey: $0.5 – $2.5
Minimum withdrawal: $10
Reward options: PayPal, gift cards, or gifties (chances to win real-world objects) 
Sign-up bonus: 500 points (3,000 points are worth $1)

Join Now >>

#4 InboxDollars

InboxDollars is a convenient reward website that pays you for a range of simple activities such as doing surveys, redeeming offers, reading emails, watching ads, and so on. Sign up today to grab the $5 welcome bonus!

Availability: People at least 18 years old in the U.S.
Average earning per survey: $0.5 – $5
Minimum withdrawal: $10
Reward options: PayPal, checks, or gift cards
Sign-up bonus: $5

Join Now >>

#5 InboxPays

InboxPays is the sister company of InboxDollars, another well-known get-paid-to website. It pays you not only for answering surveys, but also for registering services, purchasing specific products, reading emails, clipping coupons, and more.

Availability: U.S. only
Average earning per survey: $0.5 – $1
Minimum withdrawal: $50
Reward options: PayPal
Sign-up bonus: $5

Join Now >>

Best apps that pay you to play games

If you’re an avid gamer, you can also get paid by playing games. And you don’t have to be a pro! 

#1 Mistplay

Mistplay is one of the best loyalty programs for mobile gamers on Android to get rewarded. You just play the games selected from a personalized library and earn Units that you can redeem for gift cards to Amazon, Google Play, or PayPal. By winning contests that are launched weekly and unlocking achievement badgers, you may earn a lot more Units or even epic grand prizes.

#2 Swagbucks

Launched in 2018, Swagbucks is a top loyalty and consumer rewards program that gives diverse money-making opportunities. You can make real cash by completing surveys, watching ads or videos, testing samples, answering polls, playing trivia, shopping online, and so on.

Everything you normally do on the phone may bring you different amounts of Swagbucks points. 100 points equal $1, and you can easily redeem them for PayPal money or various gift cards.

Best apps that pay you for shopping

Believe it or not, a shopping app can also be the one that makes money for you. Install a cashback app or browser extension, and some dollars will get back into your pocket when you’re shopping with your favorite retailers.

#1 Coupert

Coupert is a free browser extension used by 8 million+ global users to save money and earn cashback. It partners with 100,000+ stores, covering the most popular brands like Grubhub, Macy’s, Nordstrom, Dell, Walmart, etc, where you could shop online and get cashback.  

#2 Rakuten

Rakuten, similar to Coupert, is dedicated to helping people find coupons and earn cashback at 3500+ stores. In addition to online purchases, it gives you an average of 5% cashback in brick-and-mortar stores, travel, groceries, dining, and more. So make sure to check what Rakuten offers before you’re visiting a store to boost your savings.

#3 Ibotta

Ibotta is another popular website for you to earn cashback on everyday purchases online and offline. Apart from activating cashback and claiming offers online, you can also upload paper receipts to get cashback. The app will automatically match the receipts with available offers and provide you the best savings.

Best apps that pay you to rent space

Have an empty room or house? There are infinite possibilities to earn passive income from your properties. Whether you’re going to make it a vacation rental or a space for storage, you could do it and reach out to potential consumers easily with an app. 

#1 Airbnb

Airbnb is the largest online marketplace for individuals looking to rent out their spaces and those looking for accommodations. You can apply for hosting on Airbnb so your unused rooms or the vacant whole could become a source of income while you’re traveling out of town.

To list your space, you’ll need to: 

1. Provide basic information such as what types of space or property you’re listing, how many guests you can accommodate, the number of bedrooms and bathrooms, amenities offered, and other details.
2. Upload photos.
3. Create an availability calendar, and the maximum and minimum number of stays, if required.
4. Set the price.
5. Establish rules and expectations for guests

#2 Neighbor

Neighbor is a leading peer-to-peer storage platform. This website/app connects storage hosts with people who have demands for storage. An empty attic, a garage, a basement, a closet, a bedroom, a shed, or any other potential space could be turned into a substantial source of income.

Best apps that pay you to sell unused stuff

If you have lots of unused stuff, it’s a good idea to sell them via apps and make money. 

#1 Decluttr

Decluttr provides an easy, safe, and reliable way to sell your used cell phones, tech, CDs, DVDs, and games. Simply tell Decluttr what you’re going to sell and it will give an instant price valuation. Then you just need to pack your items into a box, ship it to Decluttr for free and they’ll pay when your items are processed.

#2 Poshmark

Poshmark is a leading social commerce marketplace for buying and selling new and secondhand fashion, home decor, beauty, and more. You can sell your personal styles by listing on Poshmark, which is as simple as three steps: 1) upload the picture of the items; 2) fill in a description; 3) set the price. Once your item sells, you can ship it for free and earn cash.

#3 OfferUp

As one of the largest peer-to-peer marketplaces, OfferUp allows you to sell almost everything from used cars, furniture, and electronics, to clothes. You can choose to ship the items nationwide or meet up with the buyer in person and get paid in cash. OfferUp recommends a list of Safe Trade Spots to make sure both are safe during the transactions. Throughout the process, you won’t be charged any listing or transaction fees.

Best apps that pay you for driving

Got a car? There are a plethora of flexible ways for you to earn money while driving around the town. 

#1 Instacart

Instacart is an American grocery delivery company, where consumers can order groceries from retail partners with shopping and delivery fulfilled by independent contractors. 

So if you have access to a car and look for flexible earning opportunities, a full-service Instacart shopper is a great choice. You just shop for the groceries the customer wants and deliver them to the address. The average earning would be $15 – $25 per hour (plus 100% of customer tips) and much higher when the demands spike.

Similar services such as Uber Eats, DoorDash, GrubHub are also offering lucrative delivery gigs that pay up to $25 – $30 per hour.

#2 Uber

Ridesharing is a common way to make money with a car. Additionally, it offers a chance for you to meet and chat with new people every day. If you love this side hustle idea, sign up with Uber Drive. You could drive people around whenever you’re convenient to earn a good amount of extra cash.  

#3 Wrapify

If you don’t mind driving cars with stickers or wraps, car advertising programs like Wrapify are worth a shot. The platform matches you with decent advertisers and gets your vehicles wrapped with vinyl decals featuring the advertiser’s branding and messages. When driving your normal routes every day, you’re also earning hundreds per month.

If you don’t frequently drive and your vehicle sits idle for most of the time, you could rent it for money just like a property. Taking advantage of a car-sharing service like Turo, Getaround, or Avail, you’re able to rent your car to gig drivers or tourists at ease. 

Best apps for finding freelance work

If you’re thinking about starting a freelance career to translate your expertise and skills into a second income at home, here are the two freelance apps for beginners. 

#1 Fiverr

Fiverr is a multinational online marketplace for freelance services. Freelancers (or sellers) offer services or talents in 600+ categories (website development, design, copywriting, proofreading, and more), and set their desirable prices starting from $5 to $995. Relying on the Fiverr app, you’re able to create jobs hassle-free and connect with global clients from home. What’s more, it guarantees safe and timely payments for you. 

#2 Upwork

With the mission to pioneer a better way of working, Upwork is a renowned marketplace for businesses and independent talents from around the globe.

To find work, you’ll need to create a compelling profile that includes your basic details and then submit proposals to the projects you’re interested in. While the whole process seem a bit challenging and time-consuming, Upwork offers a suite of tools and resources to get you on your way with ease.

So here are 20 money-making apps that you can try to earn easy cash. If you have any questions or suggestions or want to recommend other great apps, please feel free to leave a comment below.

The post 20 Money Making Apps to Earn Real Cash (2023) appeared first on Super Easy.

Are you looking for part-time jobs or work-from-home opportunities that allow you to earn extra income at your own convenience? Look no further! This post will explore several get-paid-to (GPT) websites that offer a wide range of tasks and activities to earn money. 

Completing online surveys is one way to earn extra money in your spare time. It’s not going to make you a lot of money, but you can make extra cash to help with bills or fun nights out.

1. Branded Surveys

Branded Surveys is an online platform that enables registered users to earn rewards by participating in paid surveys. It connects market research companies with individuals willing to share their opinions and insights.

• ✨ Avg payout per survey: $1-$3
• ✨ Minimum withdrawal amount: 500 points or $5
• ✨ Cash payout: PayPal or bank account
• ✨ Gift card: over 170 brands, including Adidas, Starbucks, Amazon, Apple, etc

Students at 17 can create an account and start earning money as a side hustle at this site.

Here’s how it works:

1. Sign up on Branded Surveys with an email address and password.
   
2. Fill in the basic information.
   
3. Check your email inbox to verify the email. Once done, you immediately get 50 points.
   
4. You’ll be prompted to fill out an extended profile and get another 50 points – easy $1 right there.

You can check how much each survey was worth and the time it might take to finish. Besides, a daily poll (one quick and easy question) can earn 5-10 points. Branded Surveys offers a great variety of e-gift cards covering over 170 brands, which is thoughtful and convenient.

2. InboxDollars

Another well-known GPT website is InboxDollars, which provides chances to earn extra money by taking surveys, reading emails, playing games, and participating in online offers. It offers a $5 sign-up bonus and pays out in cash, making it a popular choice among those seeking part-time or work-from-home gigs.

• ✨ Avg payout per survey: $0.5-$5
• ✨ Minimum withdrawal amount: $15
• ✨ Cash payout: PayPal or Visa
• ✨ Gift card: Starbucks, Amazon, Home Depot, Sephora, Target

Follow the steps below to earn easily:

1. Sign up on InboxDollars with an email and password.
   
2. Open your email inbox to confirm your email address and activate your account.
   
3. You’ll be prompted with some welcome offers which earn money easily in a few minutes.

After that, you can browse the tasks to start your part-time journey. Most paid surveys on InboxDollars pay from $0.5 to $5 and take 3-25 minutes to complete. But the gift cards don’t provide many choices and the minimum withdrawal amount is relatively high.

3. Survey Junkie

Survey Junkie has more than 20 million members sharing their opinion and making their voices heard by completing online surveys. It offers a wide range of surveys on various topics, including consumer products, services, and market trends. Similarly, you can earn a 25-point sign-up bonus with the steps below.

• ✨ Avg payout per survey: $1-$3
• ✨ Minimum withdrawal amount: $5
• ✨ Cash payout: PayPal or bank transfer
• ✨ Gift card: Amazon, Target, Walmart, Sephora, Starbucks, Visa, iTunes, etc

1. Sign up on Survey Junkie with Facebook, Google, or an email address.
   
2. Provide basic information. That’s it. You’ll receive 25 points for signing up and an additional 50 points for completing your profile.
   

Survey Junkie is a trustworthy and renowned platform, making it a popular choice for those seeking to monetize their spare time.

4. Swagbucks

As a reliable platform for part-time income, Swagbucks provides various ways to earn, including taking surveys, watching videos, searching the web, and even shopping online. It claims to pay its members over $906 million and about 7,000 daily gift cards. Surprisingly, you can expect a $10 bonus just for signing up!

• ✨ Avg payout per survey: $0.4-$2
• ✨ Minimum withdrawal amount: No
• ✨ Cash payout: PayPal, prepaid Mastercard
• ✨ Gift card: Amazon, Apple, Walmart, Domino, Starbucks, Airbnb, etc

1. Sign up on Swagbucks.
   
2. Verify your email from the inbox.
   
3. Complete a quick profile quiz to get an extra $1.

The incredible thing is that you can redeem a gift card at as low as 110 SB ($1).

More…

Why should you choose GPT websites as your part-time or work-from-home jobs?

1. Flexibility: It provides the freedom to choose the tasks and work at your own pace.
2. Convenience: You can work from home or any location with an internet connection, and save time and money on commuting, dressing, and other.
3. Low entry barrier: It only requires a simple registration process, perfect for those without extensive experience or specialized skills.
4. Supplemental income: GPT websites offer an opportunity to earn extra money in spare time, like waiting for buses or commuting. 5 minutes can also be fully used.

What we do NOT suggest with these sites?

Get-paid-to websites value users’ opinions and information greatly. Apart from collecting them from surveys, they also introduce apps or browser plugins to gather info about online searches, site visits, app usage, shopping activities, and ad views.

Some websites invite users to install an app on phones or computers to earn high monthly points. Though it provides higher money and claims to safeguard your data, we do not suggest you do so. After all, our data is our fortune in this digital era.

Part-time work-from-home jobs are becoming increasingly popular, and online GPT websites offer a convenient way to earn extra income. Whatever platform you choose, make sure to read reviews, check payment methods, and understand the terms and conditions before getting started. Remember, these websites provide opportunities for part-time work, but they may not replace a full-time job. Happy earning!

Survey icons created by Smashicons – Flaticon
Data collection icons created by Flat Icons – Flaticon

All product names, logos, brands, trademarks and registered trademarks are property of their respective owners.

The post Top Get-Paid-To Websites: Part-Time Work-From-Home Jobs appeared first on Super Easy.

Life is full of surprises, and sometimes we may find ourselves strapped for cash. Whether it’s an unexpected medical expense, a significant purchase that can’t wait, or the desire to consolidate existing debts into a more manageable solution, a personal loan can help us navigate through these difficult situations.

However, what happens when your credit history is less than favorable (typically a FICO score under 670)?

While traditional lenders tend to focus on applicants with good to excellent credit, there are services that are willing to look beyond your credit score and extend loans tailored to your specific circumstances. Here, we’ve rounded up 5 of the best personal loans with bad credit. Read on…

1. Honest Loans

Whenever you find yourself in a bind and need quick access to funds – be it a quick $100 or a substantial $50,000 – you may want to make Honest Loans your go-to option.

Honest Loans is an online lending platform. It works by connecting you with a wide network of lenders who are ready to help out despite poor or thin credit history. What sets it apart is its ability to secure a loan for you with an impressively low APR of just 5.99% without a credit check.

With Honest Loans, you’ll have the opportunity to get a loan of up to $50,000, from which you can choose a payment term (from 6 to 36 months). And upon approval, the fund will be deposited into your account as quickly as the next day.

How to apply

1. Go to the Honest Loans Official Website.
2. Choose the amount of money you’re looking to borrow.
   
3. Enter the required information. This may include your name, the last 4 digits of your SSN, birth year, zip code, email address, phone number, etc.
4. You’ll be matched with lenders who are willing to extend you a loan. Carefully review the terms and rates offered by the lender and make your preferred choice.
5. Sit back and wait for the money to hit your account.

Eligibility Requirements: To qualify for a loan through Honest Loans, individuals must be employed, earn a minimum monthly income of $800, have a checking account, and be a legal US citizen aged 18 or older.

*: Residents of Arkansas, Arizona, Georgia, Oregon, Virginia, West Virginia, and New York are not eligible for services offered by Honest Loans.

2. ZippyLoan

ZippyLoan is another platform that helps people get the best loan deals they want regardless of their credit scores.

It offers a diverse range of loaning options to meet specific financial needs. Short-term loans provide quick approval for managing unexpected expenses with shorter repayment periods (such as 6 months). Long-term loans, on the other hand, allow borrowers to access larger sums for major expenses, with extended repayment terms (up to 6 years).

The icing on the cake: Since ZippyLoan isn’t a direct lender and lenders pay to join the network, it strives to keep the APR at low rates, all while ensuring there are no origination fees catching you off guard at inopportune times.

How to apply

1. Navigate to ZippyLoan’s Official Website.
2. In the form, choose the amount of loan you need, enter your zip code and email address, then click GET STARTED.
   
3. Provide extra details for the loan and basic personal information. Then click CONTINUE TO STEP 2>.
   
4. Enter your employment details and move on to Step 3.
   
5. In Step 4, complete the contact and deposit details platform.
6. Put your leg up while ZippyLoan works to connect you with a list of prospective loaners.
7. Choose a loan offer that works for your financial circumstance.

Eligibility Requirements: To be eligible for a loan through Zippyloan, you must be at least 18 years old and have a regular source of income.

*: ZippyLoan’s loan services are not available to residents of New York, Oregon, West Virginia, or Washington, D.C.

3. Opploans

OppLoans can be an appealing option for borrowers who have a rocky credit history or may have been turned away by traditional lenders. It offers APRs ranging from 59% to 160%, which can be higher compared to traditional lenders, but they’re still much lower than what payday lenders charge.

One of the advantages of applying for a loan with OppLoans is that they don’t conduct a hard credit check. This means that your credit score won’t be negatively impacted during the application process. Plus, the application is straightforward and can be completed quickly.

OppLoans is committed to being transparent and providing clear information to borrowers. They openly share the APRs, fees, and requirements on their website, ensuring that you have all the necessary details upfront to make an informed decision.

How to apply

1. Head to the OppLoans Official Website.
2. In the big banner, click Apply Now.
   
3. Check through Opploan’s list of requirements (including making sure you reside within its serviceable areas), then click Start New Application.
   
4. Fill in your name and indicate if a friend has referred you to OppLoans.
   
5. Enter your email, phone number(s), and click Next.
   
6. Choose your purpose for the loan.
   
7. Follow the on-screen instructions to provide more details.
8. Decide on the loan size you want to borrow.
9. Sit tight while Opploans matches you up with lenders who are ready to work with you.
10. Pick a loan offer that fits you.

Eligibility Requirements: To qualify for OppLoans, applicants must have direct deposit, be a U.S. citizen or permanent resident, and be at least 18 years old (19 in some states), with a minimum of 30 days of employment at their current job and a minimum monthly income of $1,500.

4. Vivaloan

Vivaloan is another viable option for individuals with bad credit who are seeking personal loans.

Applying for a personal loan with Vivaloan is quick and easy. All you need is to fill out a form as required and submit your request. If approved, you can use the loan to tackle everyday expenses such as consolidating debts, renovating your home, covering medical bills, fixing your car, or handling unexpected emergencies.

One important thing to note about Vivaloan is that their interest rate information may not be readily available upfront. Again, this is because Vivaloan is only a platform for connecting borrowers with potential lenders, so the actual terms, including interest rates, will vary based on individual lenders and their assessments of borrowers’ profiles and credit worthiness.

How to apply

1. Go to the Vivaloan Official Website, type in the sum of money you need for your loan, then your ZIP code and email address. Then click GET STARTED.
   
2. Provide more information on yourself and your income, then Continue to step 2.
   
3. Fill in your contact information and deposit details as requested. Once ready, click Submit Request.
   
4. Wait as Vivaloan searches its network. Once finished, it will present you with all the potential lenders. To make sure you get the best loan deals, you should thoroughly review the terms and conditions provided by each lender you are matched with to understand the interest rates, fees, and repayment options associated with your loan.

Eligibility Requirements: To qualify for Vivaloan, all you need is to be at least 18 years old and able to provide proof of regular income.

*: Vivaloan is not available in West Virginia, New York, or Washington D.C.

5. Bad Credit Loans

Last but not least, BadCreditLoans is a name that speaks for itself with both short-term and long-term personal loans (from 3 months to 3 years) that cater to people with less-than-perfect credit scores.

One of the standout features of BadCreditLoans is its competitive APR (Annual Percentage Rate). While specific rates may vary based on your creditworthiness and the lenders you’re matched with, you can expect APRs ranging from 5.99% to 35.99%. For example, if you ask for a lending amount of $2000 for a period of 12 months and you get an APR of 5.99%, your total repayment by the end of the loan term would be $2,119.76.

How to apply:

1. Go to the BadCreditLoans Official Website. In the form, provide some basic personal info to start the application.
   
2. On the next page, fill in more information about your loan request, contact info, employment, banking, and credit info.
   
3. Stay patient as Opploans matches you with lenders who are prepared to assist you, and once the options are available, carefully select a loan offer that best suits your specific needs.

Eligibility Requirements: To qualify for BadCreditLoans, you must be at least 18 years old and a resident of the United States, providing proof of residency or a social security number. Additionally, you need to have a consistent source of income and hold a checking account in your name.

Conclusion

Personal loans for individuals with bad credit can serve as a lifeline during times of financial need. While there are reputable lenders like Honest Loans, ZippyLoan, OppLoans, Vivaloan, and Bad Credit Loans that specialize in assisting individuals with less-than-perfect credit, it’s crucial to exercise caution. It’s important to carefully review the terms, interest rates, and fees associated with each loan offer to ensure you receive the necessary relief to overcome challenging circumstances while avoiding the pitfalls of excessive debt. Best of luck in finding the right solution for your financial needs!

The post 5 Best Personal Loans With Bad Credit in Sep 2023 appeared first on Super Easy.

1. Rocket Money

– Best for saving money

Rocket Money, formerly known as Truebill, is one of the best budgeting apps owned by Rocket Company. With an aim to empower its users to save money, spend less, and see everything, it’s estimated to save more than 5 million members $245+ million over the past 5 years.

Rocket Money includes a variety of useful features. It monitors your spending by categories, analyzes transactions with in-depth insights, and allows you to build a budget and financial goals with ease. You can also view your credit score and history as well as your net worth and be notified of any important changes.

Besides, it explores every possible opportunity for savings. It may cancel subscriptions you’re no longer using or have forgotten, negotiate better rates on your phone, Internet, or cable bills or insurance, and request refunds on overdraft or late fees. 

Pricing:

Basic: Free (Financial tracking, credit score monitoring, account alerts, two budgeting categories, and bill negotiation.)

Premium: $3 – $12/month (Premium includes basic functions as well as premium chat, subscription cancellations, custom categories, unlimited budgets, smart savings account, and more.)

Ratings: 4.3 – 50K+ reviews

2. Simplifi 

– Best for beginners

Simplifi by Quicken is a great personal finance app that combines intuitive design with comprehensive features, just as its name suggests. After connecting your banks, credit cards, loans, and investments to the app, you’ll gain a full picture of your financial life in one place, which not only cover balances and transactions across your financial accounts but also project your cash flows so you can plan ahead. 

Meanwhile, Simplifi supports budgeting with high-level personalization. You could enable automatic monthly contributions to your goals, customize transactions with tags, or create watchlists for certain categories or stores to better understand where your money goes.

Pricing: $2.39/month (30-day free trial)

Ratings: 4.1 – 1,847 reviews

3. Monarch Money 

– Best for couples and families

Monarch Money is an all-in-one platform that brings together everything you need to optimize your finances and achieve financial wellness. It gives a clear and automatic breakdown of how you spend every dollar and helps you plan for larger financial goals.

Beyond just tracking balances of financial accounts, Monarch Money is adept at tracking assets and debts. It incorporates a powerful portfolio analysis tool, which can chart your allocation, compare your investment holdings by key benchmarks, and identify which performs the best.

This app is also a perfect and cost-efficient choice for people who want to budget with their partners or families. You could invite unlimited collaborators to your household, where each of you will get a login and have a shared view of the joint finances and saving goals. 

Pricing: $14.99 (7-day free trial)

Ratings: 4.8 – 2,535 reviews

4. Empower

– Best for tracking investments

Empower, formerly Personal Capital, is a free app for people to calculate their net worth, track investment accounts, and build financial plans. Offering a wide range of features, it monitors your spending automatically while letting you create budgets or saving goals and stay on track. And the Savings Planner delivers ultimate plans for your retirement, emergency fund, and debt payment. 

This tool is most known for its sophisticated health management and investment checkup. It will provide deep insights into your asset allocation and analyze your portfolio risk and performance. You could reach out to their skilled financial professionals and obtain a completely personalized portfolio strategy at a fee.

Pricing: Free

Ratings: 4.7 – 132,850 reviews

5. YNAB 

– Best for cross-platform budgeting

Launched in 2004, YNAB (You Need A Budget) has been one of the most popular budgeting apps. Its users save $600 on average in their first two months or $6,000 in the first year. To get started, you just link your accounts for transactions import, and its smart categorization will learn to sort your spending. Then create your budget plan by assigning the money on hand and prioritizing the categories, etc, and work with it. 

What makes YNAB a different and empowering system is its four simple but life-changing rules, which, rather than focusing on what you’ve spent, advocate more proactive zero-based budgeting. The approach may help you gain better control of the money, reduce needs for credit cards and loans, and experience less financial stress.

How does YNAB works

Take a closer look at the YNAB methodology:

Rule One: Give Every Dollar a Job

Assign every dollar you have to a job like paying for utility, groceries, debt, or mortgage. Try to put priority on what you need most.

Rule Two: Embrace Your True Expenses

To determine your true expenses, you may split irregular or non-monthly expenses into monthly payments and also calculate what you’ll need in the future.

Rule Three: Roll With the Punches

Be flexible and change your budget. For example, when you overspend on groceries, move money from another less important category.

Rule Four: Age Your Money

Use last month’s money to pay for this month’s expenses, in which way you’re always ahead and purposeful about spending rather than living paycheck to paycheck.

Pricing: $99/year or $14.99/month (34-day free trial; no credit card required)

Ratings: 4.8 – 45,337 reviews

So above are the 5 best budget apps to organize and improve your finances. They vary greatly in features and budgeting systems. To choose a suitable product, think about your financial goals first. Whether you want to track daily spending in a minimalist way, or you look forward to more advanced functionalities. You want to save more through budgeting or need to manage money with your partner.

If you have any questions or suggestions, please feel free to leave a comment below.

The post 5 Best Budget Apps To Track & Save Your Money (2023) appeared first on Super Easy.

Top 8 Rewards Credit Cards

Taking multiple factors into account such as rewards rate, annual fee, welcome bonus, redemption options, etc, we’ve curated a list of popular credit cards to apply for, whether you’re a beginner or an existing cardholder who wants to add value to your wallet with multiple cards.

Chase Sapphire Preferred

Apply Now

Rewards: 
5x on travel purchased through Chase Ultimate Rewards
3x on dining, online grocery, and select streaming services
2x on other travel purchases
1x on all other purchases
Welcome Offer: 80,000 bonus points after spending $4,000 on purchases within 3 months from account opening
Annual Fee: $95
APR: 20.99% – 27.99%

Pros:
A range of perks for transit, food, and grocery delivery offered by partners 
Points are transferred at a 1:1 rate

Cons:
There’s an annual fee
No introductory APR

American Express Blue Cash Everyday

Apply Now

Rewards: 
3% cash back on U.S. supermarkets, online retail, and gas stations (up to $6,000 per year for each category, then 1%)
1% on cash back on other purchases
Welcome Offer: $200 statement credit after spending $2,000 in purchases within 6 months of account opening
Annual Fee: $0
APR: 0% intro APR for first 15 months, then 18.99% – 29.99%

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American Express Blue Cash Preferred

Apply Now

Rewards: 
6% on U.S. supermarkets (up to $6,000 per year, then 1%)
Unlimited 5% on select streaming subscriptions
Unlimited 3% on transit and gas stations
1% on other purchases
Welcome Offer: $250 statement credit after spending $3,000 within 6 months of account opening
Annual Fee: $0 for the first year, $95 thereafter
APR: 0% intro APR for first 12 months, then 18.99% – 29.99%

Pros:
One of the best reward rates for grocery shopping
Unlimited cash back for streaming services, perfect for streaming subscribers

Cons:
There’s an annual fee after the first year
Foreign transaction fee

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Capital One Venture Rewards

Apply Now

Rewards: 
Unlimited 2 miles per dollar on every purchase
Unlimited 5 miles per dollar on hotels and rental cars booked through Capital One Travel
Welcome Offer: 75,000 bonus miles after spending $4,000 within 3 months of account opening
Annual Fee: $95
APR: 20.74% – 28.74%

Pros:
No foreign transaction fees
No spending caps
Flexible redemptions for bookings, flights upgrade, gift cards, cash, exclusive perks.

Cons:
You have to pay a manual fee
No 0% intro APR offer
Transfer ratios with some partners are less than 1:1

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Capital One SavorOne Cash Rewards

Apply Now

Rewards: 
10% on Uber & Uber Eats
8% on Capital One Entertainment
5% on hotel bookings and car rentals through Capital One Travel
3% on dining, entertainment, popular streaming services, and groceries
1% on all other purchases
Welcome Offer: $200 cash bonus after spending $500 within 3 months from account opening
Annual Fee: $0
APR: 0% intro APR for 15 months, then 19.74% – 29.74%

Pros:
No annual fee
No foreign transaction fees
0% intro APR period

Cons:
Rewards not applicable for popular stores like Walmart, Target, BJ’s, and Sam’s Club

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Citi Premier

Apply Now

Rewards: 
3X on restaurants, supermarkets, gas stations, air travel, and hotels
1X on all other purchases
Welcome Offer: 75,000 bonus points after spending $4,000 within 3 months of account opening
Annual Fee: $95
APR: 20.99% – 28.99%

Pros:
Reward points are redeemable in various ways
No foreign transaction fees

Cons:
Annual fee
No 0% intro APR period
No offer for travel protections

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Chase Freedom Flex

Apply Now

Rewards: 
5% on quarterly bonus categories ($1,500 spending cap per quarter, see calendar)
5% cash back on travel purchased through Chase Ultimate Rewards
3% cash back on dining, and drugstores purchases
1% cash back on all other purchases
Welcome Offer: $200 bonus after spending $500 within 3 months from account opening
Annual Fee: $0
APR: 0% APR for first 15 months, then 19.99% to 28.74%

Pros:
No annual fee
Great intro APR offer

Cons:
Foreign transaction fee
Need to track and activate the rotating bonus categories quarterly 
Quarterly $1,500 spending limit for the bonus categories

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Wells Fargo Active Cash

Apply Now

Rewards: 
Unlimited 2% cash back on all purchases
Welcome Offer: $200 cash rewards bonus after spending $500 within 3 months of account opening
Annual Fee: $0
APR: 0% APR for first 15 months, then 19.99% to 29.99%

How to choose a rewards credit card?

There’re so many credit cards, each with its own pros and cons. To make sure you get the most out of the earning opportunities, you should select a perfect card by checking your credit score and considering several essential factors.

Types of rewards card

Firstly, consider your financial goal, which will determine what type of card works better for you. There are mainly two options: cash back cards or travel cards. 

If you simply want to earn some cash back on your purchases, cash-back cards are for you. If you hope to accumulate points or miles that you can redeem for flights, hotels, or any travel-related activities, opt for the other one. However, some travel cards will limit the redemption or transfer to particular partners, so you’d better dig deeper into the details.

Your spending habits

Having a better understanding of your daily expenses and figuring out your heavy-spending categories will help you pick a more suitable card and assess the potential earnings. 

The earning structures of rewards credit cards are quite different with varying rates for certain categories such as gas, groceries, or dining, or some have bonus categories that rotate quarterly. If you just want to save the hassle, consider the flat-rate reward card.

Annual fees

Credit cards with annual fees will usually provide competitive rates and stronger incentives. But if you’re not sure whether your earnings will offset the cost, it’s wise for you to get a card that doesn’t charge annual fees. 

Foreign transaction fees

Some cards will charge fees for purchases made overseas, which, obviously, are not a good choice if you’re traveling abroad frequently.

New customer offer

Most card issues will offer a welcome or sign-up bonus to attract new clients after you meet specific spending thresholds. But don’t fall for that and spend on something you don’t necessarily need. Take advantage of this offer only if you’re going to apply for a reward card and also plan for large purchases in the near future. 

Beyond that, take a look at extra benefits available such as travel insurance, cell phone protection, concierge services, and so on, which will greatly improve your experience.

So that’s it – the 8 best rewards credit cards for you to choose from. If you have any questions or suggestions, please feel free to leave a comment below.

The post 8 Best Rewards Credit Cards – Cash Back, Points & More 2023 appeared first on Super Easy.