24 Unique Ways to Make Money Online — Using Stuff You Already Have

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Student Loan Hero Advertiser Disclosure

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print to help you understand what you are buying. Be sure to consult with a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time.

Editorial Note: This content is not provided or commissioned by any financial institution. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the financial institution.

How to make money online

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What if you could make money online — using stuff you already own?

From the outfits in your closet to your Twitter account, you’re surrounded by money-making assets. But it’s important to know how to make money online the right way, without falling prey to internet scams.

Get ready for 24 unique ideas on how to make money on the internet, using the skills and items you already own.

How to make money online, using stuff you already have

1. Flip domain names

You’ve probably heard of flipping houses, but what about flipping domain names? If you’ve got creative ideas for a website name, buy the rights on a site such as GoDaddy. Then, you can either wait for offers or head over to Flippa, where you can resell the names to the highest bidder.

According to Flippa, thousands of people sell domain names every week. To date, website “flippers” have made over $205 million in sales.

2. Get paid for your tweets

These days, companies rely on influencers to get the word out about their products. If you’ve got a big Twitter following, you could get paid to tweet about a company.

Head to a site such as PaidPerTweet or SponsoredTweets to get started. You set your own price and choose who to work with. You might tweet website links, press releases, or product promotions to create buzz.

3. Share your car

Thanks to the sharing economy, rental car companies aren’t the only ones who can lend vehicles to travelers. If you’ve got a car, consider renting it out through a service such as Turo. All you need to do is create a listing and upload some clear photos.

You set the price and receive about 75 percent of the trip price, fees, and any extra mileage charges. For anyone feeling uneasy about sharing their car, Turo’s insurance policy might put your mind at ease — the company covers $1 million in liability insurance and 24/7 roadside assistance.

4. Rent out your bike, surfboard, or snow gear

The costs of building your gear collection can add up — so why not make some money back by renting it out? Spinlister lets you list your bike, surfboard, or snow gear to others who share your active lifestyle.

You set the price, and Spinlister takes a 17.5 percent cut. Renters will be held liable for any damages, and Spinlister offers some liability insurance as well — up to $1,000 for snowboards and skis, $2,000 for paddleboards and surfboards, and $10,000 for bikes.

5. Sell your clothes online

Cleaning out your closet is never fun, but maybe this will motivate you: You can turn your old clothes into cash.

Online marketplaces like thredUP and Poshmark let you sell your clothes online for a profit. Alternatively, you could connect with customers through Facebook Marketplace or eBay.

Local secondhand stores tend to give you only a small fraction of an item’s selling price. You could make much more moving your business online.

6. Let people borrow your clothes

You don’t have to say goodbye to your favorite outfits to make money off them. Instead of selling your clothes, try renting them out.

Style Lend is one service that connects clothes lenders and renters. After signing up, you’ll earn 80 percent of the rental fee, plus $6.50 for dry cleaning.

Style Lend only accepts higher-end brands, and your clothes can’t be more than two years old. As long as your items meet these requirements, it’s easy to sign up and start making money off your wardrobe.

7. Open your own crafts store on Etsy

Sell your one-of-a-kind arts and crafts to buyers across the world through Etsy. It’s free to open your own store, and you get to set your own prices.

Etsy charges 20 cents per listing, along with a 3.5 percent transaction fee and small payment processing fee. Plus, it has extensive customer support to help you build your successful Etsy store.

8. Become an affiliate marketer on Pinterest or Instagram

You might have noticed “#ad” next to certain Instagram and Pinterest posts. This label discloses that the image is an ad and contains an affiliate link. If you take some action, such as clicking on the link or buying the featured product, the account owner will make some money.

Anyone can participate in affiliate marketing through sites like Rakuten, Shopstyle Collective, or even Amazon. You’ll need to stay active with your accounts and find products that appeal to your followers. As you grow your audience, you could make more money.

9. Sell your old technology

Instead of letting your old DVDs and game consoles collect dust, sell them through Decluttr. This marketplace for tech helps you sell cell phones, CDs, DVDs, tablets, books, and even Legos by the pound.

To get started, enter the barcode of the item you wish to sell. Decluttr will quote you a price and help you out with free shipping. As long as your items are in good quality and worth at least $5, you can sell them on Decluttr.

10. Fund a peer-to-peer loan

For a big payday, consider investing in peer-to-peer loans. As the name suggests, peer-to-peer loans are funded by everyday investors rather than by big banks. Companies like Prosper and Lending Club let you get started with a minimum investment of $25.

However, you might have to meet income requirements if you reside in certain states. To invest with Prosper, for instance, residents of Alaska, Idaho, Missouri, Nevada, New Hampshire, Oregon, Virginia, and Washington must make at least $70,000 per year and have a net worth of $70,000 or more.

If you meet eligibility requirements, you can choose which loans you want to invest in after reading the borrower’s profile and assessing the risk. Loans with a higher risk might come with greater returns, but you could also lose your money if the borrower defaults.

According to Prosper, investors see average returns of 7.24 percent.

11. Resell event tickets

Scalping tickets outside of a concert hall or sports game is illegal, but reselling tickets online isn’t a problem.

If you get your tickets early before an event sells out, you can resell them on Stubhub or Craigslist. You set the price, but make sure to comply with any applicable ticket resale laws in your area. You should also note that Stubhub takes a 10 percent cut of the final cost.

12. Scour garage sales and sell your finds online

A few years ago, one lucky person bought a $3 bowl at a yard sale. After discovering the dish dated back to ancient China, they later sold it for $2.2 million dollars, reported CNN.

Although you likely won’t achieve that level of success, you could make decent money selling treasures you find at garage sales. Scoop them up at a low price and resell them for a profit on eBay.

13. Write and publish an e-book

Whatever your area of expertise, consider writing a book and publishing it online. It’s easy to self-publish on Amazon, and you’ll earn royalties of up to 70 percent. To boost sales, try advertising on Twitter, your own blog, or through word-of-mouth.

14. Make money on your photos

According to InfoTrends, people take more than 1 trillion photos every year. Instead of leaving them on your smartphone, make them available for purchase with the Foap app, which connects amateur photographers with major brands.

If a company buys your photo, you’ll make 50 percent of the purchase. Just make sure you’ve gotten your friend’s permission before putting a photo of them up for sale.

15. Get cash back on your college textbooks

You’re probably not rereading your college textbooks after your courses have ended. Pass on the learning to the next set of students by selling back your textbooks.

Sites like Chegg will buy back your textbooks. Although you won’t recoup the original cost, you’ll still make some money back.

16. Sell musical instruments

Musicians can buy and sell through Reverb, an online marketplace for instruments and music gear. The site has over 200,000 sellers and 650,000 buyers. Reverb charges a 3.5 percent transaction fee. The site also gives tips on pricing your items and setting up an online shop customers will notice.

17. Get healthy and earn cash

Using health app Achievement could be good for your body and your wallet. This app connects to fitness apps, including Fitbit, MyFitnessPal, and Strava. Whether you’re recording your jogs or tracking your food, you’ll earn points and turn them into cash. You earn $10 for every 10,000 points.

18. Sell lesson plans to other educators

If you’re a teacher, you probably share resources with other educators in your department. Open up access by selling and sharing your materials on Teachers Pay Teachers. You can sell lesson plans and other resources to help others design their curriculum.

19. Rent out your parking space

Parking spaces are hard to come by, especially if you live in the city. If you’ve got a coveted spot, consider advertising it online. You could rent it out to someone through Craigslist.

Residents of Boston and Chicago could also use the SPOT app. This parking spot-sharing app has plans to expand soon to Philadelphia, Los Angeles, San Francisco, Seattle, Miami, and Washington, D.C.

20. Share space or instruments with other musicians

Whether you have extra microphones or a vacant studio space, check out rental marketplace Sparkplug. You list your available instruments or rehearsal space, and interested musicians will get in touch. You have control over who you rent to and when. Sparkplug charges a small service fee.

21. Rent out a room or your whole apartment

To date, Airbnb has connected more than 200 million guests with 4 million listings worldwide. Whether you’ve got an extra room or an entire home, you can rent it out to travelers and make serious money.

Based on your zip code and space, Airbnb gives you an estimate of how much you can make each week. You choose who can stay and when, plus you set your own house rules.

If anything should happen, Airbnb offers “host guarantee” insurance of $1 million. The company charges a 3 to 5 percent service fee.

22. Share the contents of your fridge

Groceries cost money, but they can also help you make money online. The National Consumer Panel (NCP) will pay you to scan and share the barcodes of your refrigerated items every week. The organization might also ask you to answer questions or share your opinions in a panel every once in a while.

You’ll earn points for your efforts, which you can use to shop for merchandise or gift cards in the NCP catalog. You’ll also be entered into weekly sweepstakes, where you might earn bonus points, gift cards, or cash.

23. Sell back your junk mail

Junk mail can feel like a waste of paper and time — but it can put money back in your wallet. The Small Business Knowledge Center wants to see what you’re getting in your mailbox. This market research company will send you a Visa prepaid card in exchange for your unopened letters.

24. Find unclaimed money

Believe it or not, you might have unclaimed money floating around online. Perhaps you’re owed a refund from an old tax return or overpaid medical bill, or maybe you moved states and accidentally left some assets behind.

Whatever the reason, you can track it down on sites like Unclaimed.org.

Anyone can learn how to make money online

When it comes to making extra cash, your computer or phone could hold the answer. Thanks to online marketplaces and cash-generating apps, it’s never been easier to make money online.

You could use some of this extra income to pay off credit card debt or build up your emergency fund. Plus, you might discover you have a knack for online work.

Instead of focusing on how to make money fast online, you could build an entire career on the internet. These websites will help you find a full-time remote job you can do from anywhere with Wi-Fi.

Interested in refinancing student loans?

Here are the top 8 lenders of 2020!
LenderVariable APREligible Degrees 
Check out the testimonials and our in-depth reviews!
1 Important Disclosures for Earnest.

Earnest Disclosures

To qualify, you must be a U.S. citizen or possess a 10-year (non-conditional) Permanent Resident Card, reside in a state Earnest lends in, and satisfy our minimum eligibility criteria. You may find more information on loan eligibility here: https://www.earnest.com/eligibility. Not all applicants will be approved for a loan, and not all applicants will qualify for the lowest rate. Approval and interest rate depend on the review of a complete application.

Earnest fixed rate loan rates range from 3.20% APR (with Auto Pay) to 6.99% APR (with Auto Pay). Variable rate loan rates range from 1.99% APR (with Auto Pay) to 6.89% APR (with Auto Pay). For variable rate loans, although the interest rate will vary after you are approved, the interest rate will never exceed 8.95% for loan terms 10 years or less. For loan terms of 10 years to 15 years, the interest rate will never exceed 9.95%. For loan terms over 15 years, the interest rate will never exceed 11.95% (the maximum rates for these loans). Earnest variable interest rate loans are based on a publicly available index, the one month London Interbank Offered Rate (LIBOR). Your rate will be calculated each month by adding a margin between 1.82% and 5.50% to the one month LIBOR. The rate will not increase more than once per month. Earnest rate ranges are current as of December 13, 2019, and are subject to change based on market conditions and borrower eligibility.

Auto Pay discount: If you make monthly principal and interest payments by an automatic, monthly deduction from a savings or checking account, your rate will be reduced by one quarter of one percent (0.25%) for so long as you continue to make automatic, electronic monthly payments. This benefit is suspended during periods of deferment and forbearance.

The information provided on this page is updated as of 12/13/2019. Earnest reserves the right to change, pause, or terminate product offerings at any time without notice. Earnest loans are originated by Earnest Operations LLC. California Finance Lender License 6054788. NMLS # 1204917. Earnest Operations LLC is located at 302 2nd Street, Suite 401N, San Francisco, CA 94107. Terms and Conditions apply. Visit https://www.earnest.com/terms-of-service, email us at hello@earnest.com, or call 888-601-2801 for more information on our student loan refinance product.

© 2018 Earnest LLC. All rights reserved. Earnest LLC and its subsidiaries, including Earnest Operations LLC, are not sponsored by or agencies of the United States of America.

2 Important Disclosures for SoFi.

SoFi Disclosures

  1. Student loan Refinance: Fixed rates from 3.46% APR (with AutoPay) to 7.61% APR (without AutoPay). Variable rates currently from 2.31% APR (with AutoPay) to 7.61% (without AutoPay). Interest rates on variable rate loans are capped at either 8.95% or 9.95% depending on term of loan. See APR examples and terms. Lowest variable rate of 2.31% APR assumes current 1 month LIBOR rate of 2.31% plus 0.75% margin minus 0.25% for AutoPay. If approved for a loan, the fixed or variable interest rate offered will depend on your credit history and the term of the loan and will be within the ranges of rates listed above. For the SoFi variable rate loan, the 1-month LIBOR index will adjust monthly and the loan payment will be re-amortized and may change monthly. APRs for variable rate loans may increase after origination if the LIBOR index increases. The SoFi 0.25% AutoPay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account.

3 Important Disclosures for Figure.

Figure Disclosures

Figure’s Student Refinance Loan is a private loan. If you refinance federal loans, you forfeit certain flexible repayment options associated with those loans. If you expect to incur financial hardship that would impact your ability to repay, you should consider federal consolidation alternatives.

4 Important Disclosures for College Ave.

College Ave Disclosures

College Ave Student Loans products are made available through either Firstrust Bank, member FDIC or M.Y. Safra Bank, FSB, member FDIC. All loans are subject to individual approval and adherence to underwriting guidelines. Program restrictions, other terms, and conditions apply.

1College Ave Refi Education loans are not currently available to residents of Maine.

2All rates shown include autopay discount. The 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. Variable rates may increase after consummation.

3$5,000 is the minimum requirement to refinance. The maximum loan amount is $300,000 for those with medical, dental, pharmacy or veterinary doctorate degrees, and $150,000 for all other undergraduate or graduate degrees.

4This informational repayment example uses typical loan terms for a refi borrower with a Full Principal & Interest Repayment and a 10-year repayment term, has a $40,000 loan and a 5.5% Annual Percentage Rate (“APR”): 120 monthly payments of $434.11 while in the repayment period, for a total amount of payments of $52,092.61. Loans will never have a full principal and interest monthly payment of less than $50. Your actual rates and repayment terms may vary.

Information advertised valid as of 1/1/2020. Variable interest rates may increase after consummation.

5 Important Disclosures for Laurel Road.

Laurel Road Disclosures

Laurel Road is a brand of KeyBank National Association offering online lending products in all 50 U.S. states, Washington, D.C., and Puerto Rico. Mortgage lending is not offered in Puerto Rico. All loans are provided by KeyBank National Association.
As used throughout these Terms & Conditions, the term “Lender” refers to KeyBank National Association and its affiliates, agents, guaranty insurers, investors, assigns, and successors in interest.

This term represents the actual cost of financing to the borrower over the life of the loan expressed as a yearly rate.


There are no origination fees or prepayment penalties associated with the loan. Lender may assess a late fee if any part of a payment is not received within 15 days of the payment due date. Any late fee assessed shall not exceed 5% of the late payment or $28, whichever is less. A borrower may be charged $20 for any payment (including a check or an electronic payment) that is returned unpaid due to non-sufficient funds (NSF) or a closed account.


For bachelor’s degrees and higher, up to 100% of outstanding private and federal student loans (minimum $5,000) are eligible for refinancing. If you are refinancing greater than $300,000 in student loan debt, Lender may refinance the loans into 2 or more new loans.
For eligible Associates degrees in the healthcare field (see Eligibility & Eligible Loans section below), Lender will refinance up to $50,000 in loans for non-ParentPlus refinance loans. Note, parents who are refinancing loans taken out on behalf of a child who has obtained an associates degrees in an eligible healthcare field are not subject to the $50,000 loan maximum, refer to https://www.laurelroad.com/refinance-student-loans/refinance-parent-plus-loans/ for more information about refinancing ParentPlus loans.


Borrower, and Co-signer if applicable, must be a U.S. Citizen or Permanent Resident with a valid I-551 card (which must show a minimum of 10 years between “Resident Since” date and “Card Expires” date or has no expiration date); state that they are of at least borrowing age in the state of residence at the time of application; and meet Lender underwriting criteria (including, for example, employment, debt-to-income, disposable income, and credit history requirements).

Graduates may refinance any unsubsidized or subsidized Federal or private student loan that was used exclusively for qualified higher education expenses (as defined in 26 USC Section 221) at an accredited U.S. undergraduate or graduate school. Any federal loans refinanced with Lender are private loans and do not have the same repayment options that federal loan program offers such as Income Based Repayment or Income Contingent Repayment.

All loans must be in grace or repayment status and cannot be in default. Borrower must have graduated or be enrolled in good standing in the final term preceding graduation from an accredited Title IV U.S. school and must be employed, or have an eligible offer of employment. Parents looking to refinance loans taken out on behalf of a child should refer to https://www.laurelroad.com/refinance-student-loans/refinance-parent-plus-loans/ for applicable terms and conditions.

For Associates Degrees: Only associates degrees earned in one of the following are eligible for refinancing: Cardiovascular Technologist (CVT); Dental Hygiene; Diagnostic Medical Sonography; EMT/Paramedics; Nuclear Technician; Nursing; Occupational Therapy Assistant; Pharmacy Technician; Physical Therapy Assistant; Radiation Therapy; Radiologic/MRI Technologist; Respiratory Therapy; or Surgical Technologist. To refinance an Associates degree, a borrower must also either be currently enrolled and in the final term of an associate degree program at a Title IV eligible school with an offer of employment in the same field in which they will receive an eligible associate degree OR have graduated from a school that is Title IV eligible with an eligible associate and have been employed, for a minimum of 12 months, in the same field of study of the associate degree earned.


The interest rate you are offered will depend on your credit profile, income, and total debt payments as well as your choice of fixed or variable and choice of term. For applicants who are currently medical or dental residents, your rate offer may also vary depending on whether you have secured employment for after residency.


The repayment of any refinanced student loan will commence (1) immediately after disbursement by us, or (2) after any grace or in-school deferment period, existing prior to refinancing and/or consolidation with us, has expired.


After loan disbursement, if a borrower documents a qualifying economic hardship, we may agree in our discretion to allow for full or partial forbearance of payments for one or more 3-month time periods (not to exceed 12 months in the aggregate during the term of your loan), provided that we receive acceptable documentation (including updating documentation) of the nature and expected duration of the borrower’s economic hardship.

We may agree under certain circumstances to allow a borrower to make $100/month payments for a period of time immediately after loan disbursement if the borrower is employed full-time as an intern, resident, or similar postgraduate trainee at the time of loan disbursement. These payments may not be enough to cover all of the interest that accrues on the loan. Unpaid accrued interest will be added to your loan and monthly payments of principal and interest will begin when the post-graduate training program ends.

We may agree under certain circumstances to allow postponement (deferral) of monthly payments of principal and interest for a period of time immediately following loan disbursement (not to exceed 6 months after the borrower’s graduation with an eligible degree), if the borrower is an eligible student in the borrower’s final term at the time of loan disbursement or graduated less than 6 months before loan disbursement, and has accepted an offer of (or has already begun) full-time employment.

If Lender agrees (in its sole discretion) to postpone or reduce any monthly payment(s) for a period of time, interest on the loan will continue to accrue for each day principal is owed. Although the borrower might not be required to make payments during such a period, the borrower may continue to make payments during such a period. Making payments, or paying some of the interest, will reduce the total amount that will be required to be paid over the life of the loan. Interest not paid during any period when Lender has agreed to postpone or reduce any monthly payment will be added to the principal balance through capitalization (compounding) at the end of such a period, one month before the borrower is required to resume making regular monthly payments.


This information is current as of November 8, 2019 and is subject to change.

6 Important Disclosures for Splash Financial.

Splash Financial Disclosures

Terms and Conditions apply. Splash reserves the right to modify or discontinue products and benefits at any time without notice. Rates and terms are also subject to change at any time without notice. Offers are subject to credit approval. To qualify, a borrower must be a U.S. citizen or permanent resident in an eligible state and meet applicable underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates are reserved for the highest qualified borrowers.

7 Important Disclosures for CommonBond.

CommonBond Disclosures

Offered terms are subject to change. Loans are offered by CommonBond Lending, LLC (NMLS # 1175900). If you are approved for a loan, the interest rate offered will depend on your credit profile, your application, the loan term selected and will be within the ranges of rates shown. All Annual Percentage Rates (APRs) displayed assume borrowers enroll in auto pay and account for the 0.25% reduction in interest rate. All variable rates are based on a 1-month LIBOR assumption of 1.76% effective November 10, 2019.

8 Important Disclosures for LendKey.

LendKey Disclosures

Refinancing via LendKey.com is only available for applicants with qualified private education loans from an eligible institution. Loans that were used for exam preparation classes, including, but not limited to, loans for LSAT, MCAT, GMAT, and GRE preparation, are not eligible for refinancing with a lender via LendKey.com. If you currently have any of these exam preparation loans, you should not include them in an application to refinance your student loans on this website. Applicants must be either U.S. citizens or Permanent Residents in an eligible state to qualify for a loan. Certain membership requirements (including the opening of a share account and any applicable association fees in connection with membership) may apply in the event that an applicant wishes to accept a loan offer from a credit union lender. Lenders participating on LendKey.com reserve the right to modify or discontinue the products, terms, and benefits offered on this website at any time without notice. LendKey Technologies, Inc. is not affiliated with, nor does it  endorse,  any educational institution.

Subject to floor rate and may require the automatic payments be made from a checking or savings account with the lender. The rate reduction will be removed and the rate will be increased by 0.25% upon any cancellation or failed collection attempt of the automatic payment and will be suspended during any period of deferment or forbearance. As a result, during the forbearance or suspension period, and/or if the automatic payment is canceled, any increase will take the form of higher payments. The lowest advertised variable APR is only available for loan terms of  5 years and is reserved for applicants with FICO scores of at least 810.

As of 12/019/2019 student loan refinancing rates range from 1.90% to 8.59% Variable APR with AutoPay and 3.49% to 7.75% Fixed APR with AutoPay.

1.99% – 6.89%1Undergrad
& Graduate

Visit Earnest

2.31% – 7.36%2Undergrad
& Graduate

Visit SoFi

2.06% – 6.81%3Undergrad
& Graduate

Visit Figure

2.62% – 6.12%4Undergrad
& Graduate

Visit College Ave

2.29% – 6.65%5Undergrad
& Graduate

Visit Laurel Road

1.99% – 7.06%6Undergrad
& Graduate

Visit Splash

1.81% – 6.29%7Undergrad
& Graduate

Visit CommonBond

1.90% – 8.59%8Undergrad
& Graduate

Visit Lendkey

Our team at Student Loan Hero works hard to find and recommend products and services that we believe are of high quality. We sometimes earn a sales commission or advertising fee when recommending various products and services to you. Similar to when you are being sold any product or service, be sure to read the fine print to help you understand what you are buying. Be sure to consult with a licensed professional if you have any concerns. Student Loan Hero is not a lender or investment advisor. We are not involved in the loan approval or investment process, nor do we make credit or investment related decisions. The rates and terms listed on our website are estimates and are subject to change at any time.

Published in Make More Money, Side Hustles