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12 Ways to Earn Money if You Don’t Qualify for a Bad Credit Loan

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If you’ve been disapproved for a bad credit loan, it can be very frustrating.  Where do you turn, while the bills continue piling up?  At GoLoans, we want to provide you with options to earn money fast to get those bills paid down.

Our research discovered 12 ways you can earn money with a side hustle.

Let’s get started, shall we?

Become an Uber Drive

How does the thought of chauffeuring people around in your car sound?. This is can be quite lucrative if you live in a highly populated area, such as a city or suburbs of a city. The benefit benefit is you can work when you want and how long you want.

A drawback to consider though is you will put extra wear and tear on your vehicle and the rate of deterioration may not match the revenue being generated.

Uber Driver Requirements

  • You must be at least 21 years old
  • Licensed to drive in the US for at least one year, or three years if you’re under age 23
  • Have access to a 4-door vehicle that is 10 years old or newer (in most cities)
  • Many cities allow 15 years old or newer
  • Find for your city’s model year requirement: Type in*your-city*
  • In-state auto insurance with your name on the policy
  • In-state driver’s license
  • In-state license plates with current registration (commercial plates are acceptable as well)
  • You must have a social security number
  • Pass a background check and a driving record check

Click here for a full list of requirements.

Deliver with Doordash

Similar to Uber, Doordash allows you to set your own work schedule as well. Doordash is a food delivery service where individuals order food and employees retrieve the food and deliver to a customer’s location.

Keep in mind, this pays way more if you live in a densely populated area.

Some of the peak hours include lunch and dinner. Weekends and events are another popular time as the more food delivered, the more money you can earn.

Door Dash Requirements

  • You must be 18 years or older
  • Have access to a vehicle or bicycle
  • Any car, truck, motorcycle, or scooter
  • Own an iPhone or Android smartphone
  • Driver’s license with at least one year of driving experience
  • Valid insurance — name on policy
  • Complete an orientation online or in person

Create an Online Course Using Udemy

You can earn passive income by creating a course for the website Udemy. This is where individuals go to learn about various topics to hone their skill set and craft. You will need to be an expert in a specific topic and willing to share your knowledge with those that want to learn.

While this can take some time to build, once you’ve built your course you simply market it and watch the orders roll in.

Research some of the topics that are popular and see what is in demand.

Udemy Course /Instructor Requirements

  • You must have expert knowledge in a specific industry or an in demand skillset
  • Course must have at least 30 minutes of video content
  • Must include at least 5 separate lectures
  • Must be valuable educational content
  • Record video in HD video quality (720p or 1080p)
  • Audio must come out of both channels and be synced to video
  • Audio quality must not distracting to students

You can learn more on how to become an instructor here:

Participate in Online Surveys

Companies and businesses are always wanting to hear more about their product or service. Researchers are always wanting to know more about human behavior.

Combine those two needs and you end up with surveys. There are several companies and websites that will pay you to complete surveys on various topics.

This won’t make you a millionaire, but with the extra time you have throughout the day, you can complete a handful of surveys.

Many of these pay differently depending on the length and complexity of the questions.

Top Online Survey Companies

SwagBucks >>

OpinionOutpost >>

SurveyJunkie >>

Vindale Research >>

Start a Blog

This may take more time to setup, but can be very lucrative if you stick with it.. It’s not simple.  But if you are patient, you can earn quite a bit of money. You can monetize a blog with website advertisements, memberships or affiliate links.  And the best part is, this is passive income.

Also, once you earn enough you can look to sell your website if you so choose.  Most profitable websites can be sold for 10x their monthly/annual revenue.

For example, if your site begins making $2,000/mo you can potentially sell it for $20,000 or more.

$2,000 x 10 = $20,000

Things You’ll Need to Start a Blog

  • Knowledge and/or passion about a specific topic
  • Willing to write informative, educational or fun blog posts that get shared
  • Shared hosting account
  • A website domain
  • A CMS (content management system) such as WordPress
  • Patience

Sell Products on Etsy

Maybe you’re not a technical person or don’t want to use your vehicle for Uber or Door Dash.  Instead, maybe you have a knack for crafts.  If so, Etsy is the place for you. While you’re making quilts or paintings for fun, you can easily sell them on Etsy.

This website is where small businesses sell handmade products to the world. The benefit to Etsy is your can monetize your talent and begin making more money.

Another benefit with Etsy is there are protections in place that all you simply need to do is build a profile and begin selling.

Review Websites and Apps for Cash

If you’ve done any sort of online shopping, then you know reviews are everything. That being said, companies and businesses will pay people to leave constructive and detailed reviews on their products or apps.

Similar to the blog route, you can look to use affiliate links. This means you can write a review on your blog, and if people want to purchase the item they can use your link.

With every product sold from that link, you’ll receive a kick back. It’s a great way to generate decent income over a few months if done correctly.

Write and Sell an e-book on Amazon Kindle

Writing an e-book takes time and in-depth knowledge on a topic, but if you can take a few weeks to compile a valuable e-book, you can make a decent amount of money. Selling an e-book takes no startup costs and can even be produced on a phone.

After you’ve published your book you’ll begin earning on every copy you sell. Again, this is something that’ll take a bit of time but if you can do it, it may bring in a consistent stream of income for some time.

Create a “Gig” on Fiverr

With the freelance economy exploding and businesses looking to outsource one off projects or tasks, websites such as Fiverr have grown in popularity. Fiverr is a website where you create a gig, or service you offer the world. People then come to Fiverr in search of someone to complete a task and they may select yours.

The benefit to Fiverr is it can easily be done outside a 9-5 job and you set the terms. As you make sales you’ll slowly grow to the top of the page and increase potential sales. Should you no longer need to work, you can pause your gig until you’re ready to return.

Review Music and Get Paid

Similar to reviewing products, people in the music industry also value reviews on their work. While not everyone can pay, some businesses will pay you to leave reviews on music.

Simply type into Google paid music review and you can begin your search in finding a company to work with.

Become a Mystery Shopper

From small community banks to large corporate stores, one way they rate their employees is through mystery shoppers. What a mystery shopper does is they are first provided a list of criteria. Then, the shopper will go down the list and test employees and document how they respond.

The goal is to ensure employees are working as instructed. In turn, companies will pay you to mystery shop and provide valuable feedback that they can use in future training or reward programs.

Become a Virtual Assistant

Last and certainly not least, if you are a stay at home mother or someone who works only part-time, becoming a virtual assistant is a great way to earn more money.

Being a virtual assistant can be as simple as maintaining calendars and setting up meetings, to data entry or offering customer service for a small business.

Virtual assistants are desired because it’s more cost effective. Rather than hiring someone and providing health insurance with other benefits, they can contract the work out to a VA and simply pay a rate for work provided.

These are 12 ways to earn more money if you are unable to obtain a bad credit loan.

An added benefit is that if you are good enough at some of these side hustles, they can turn into a more permanent position, especially something like a virtual assistant.

If you have low credit and are unable to get a loan, let this be your motivation.

By becoming self-sufficient in personal finance, you can limit your need for debt and in some cases be the bank yourself. It takes time, but these are effective ways to increase your income.

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