8 Companies That Send People Money When They’re Asked Nicely

When you log into your bank account, how do your savings look? Probably not as good as you’d like. It always seems like an uphill battle to build (and keep) a decent amount in savings.

But what if your car breaks down, or you have a sudden medical bill?

Ask one of these companies to help….

1. Cancel Your Car Insurance

You might not even realize it, but your car insurance company is probably overcharging you. In fact, they’re kind of counting on you not noticing. Luckily, this problem is easy to fix. 

Don’t waste your time browsing insurance sites for a better deal. A company called Insurify shows you all your options at once — people who do this save up to $900 per year. 

If you tell them a bit about yourself and your vehicle, they’ll send you personalized quotes so you can compare them and find the best one for you. No phone calls. No spam. Just happy customers (4.7 rating on Trustpilot).

Tired of overpaying for car insurance? It takes just five minutes to compare your options with Insurify and see how much you could save on car insurance.

2. Get up to $100,000 From This Company

Every month, you make payments toward your credit card debt. But you never seem to make a dent. It’s because of those sky-high interest rates — as much as 24% interest. It can feel impossible to get ahead.

But MoneyLion could help you find offers to cut your interest rate by 70% as soon as tomorrow. 

Here’s how it works: MoneyLion can match you with new loan offers at a lower interest rate — as low as 5.99% APR*. That’s 70%* lower than the average credit card interest rate. And it’s the key to finally getting ahead.

You can use this new loan to pay off all your existing credit card debt, leaving you with one (cheaper) monthly payment that will help you get out of debt faster. If you have a credit score of at least 620, you could get up to $100,000 with no collateral. Terms go up to 240 months.

Worried you won’t qualify? Take two minutes to check online and see if you could cut your credit card interest rate by 70%.

*Based on creditworthiness. Average credit card interest rate is 24.72% as of 8/14/24, according to Forbes Advisor’s weekly credit card rates report.

3. Need Cash? See How Much Home Equity You Can Access

Your home is more than just a place to live—it’s also one of your biggest financial assets. With a Home Equity Line of Credit (HELOC), you can tap into your home’s value to fund renovations, consolidate debt, or cover unexpected expenses.

Best Money’s HELOC marketplace makes finding the right lender easy. Instead of searching lender by lender, you can compare top-rated HELOC offers in minutes and choose the one that fits your needs and budget. No guesswork, no long applications—just clear options to help you make the best financial move.

With competitive rates and flexible terms, a HELOC could be the key to unlocking new opportunities. Check out Best Money’s HELOC marketplace today and see how much equity you could access.

4. Get Up to $150 a Day From This Company

Life happens. A car repair, a doctor’s bill, or an unexpected expense can throw everything off balance — especially when payday is still days away.

That’s why EarnIn gives you access to up to $750 you’ve already earned. You can use it to pay a bill before it’s late, cover a necessary expense, or just breathe a little easier.

Millions of people have already accessed over $15 billion in wages through EarnIn, keeping their finances on track in moments that matter most.

Take back control of your finances and be ready for whatever life throws your way. Download EarnIn to access your money when you need it most.

5. These Cards Basically Pay You to Use Them — Yes, Really

Not to be dramatic, but if you’re not using a cash back credit card, you might be missing out on free money. And not in a “win the lottery” way — we’re talking real, everyday rewards for the stuff you already buy.

CardCritics just put together a list of solid cash back cards. You’re already buying groceries and paying for gas and streaming stuff anyway… might as well get rewarded for it, right?

Here’s what a lot of the top picks come with:

• Cash back on things like groceries, gas, dining, and even streaming
• Welcome bonuses (earn extra money just for using your card like normal? Yes please)
• No annual fees on plenty of them
• Easy ways to redeem rewards — think credits, cash, or even travel

So if you’re ready to stop letting your credit card do nothing for you, check out CardCritics’ featured picks. You might as well get rewarded for being a responsible adult.

6. Invest in Real Estate Without the Volatility — You Only Need $500

You’re not the only one who daydreams about making money in your sleep. Investing in real estate is one of the best ways to earn passive income. The only problem? You need to have lots of money.

Well, you used to…

With a company called Connect Invest, you can get your foot in the door for just $500, investing in what are called short notes. And, if you make your first investment within 40 days of signing up, you can earn a $50 bonus.

Basically, you’re buying the debt that wealthy developers take on to fund their real estate projects — and they have to pay you back, with up to 9% (annualized rate) in interest… while you sleep. 

With Connect Invest, you’ll invest for terms of 6, 12, or 24 months, during which you’ll receive monthly fixed-interest payments between 7.5% and 9% (annualized rate). You could earn a legit passive income with those rates — and it’s way higher than what you’d earn with your savings account!

Connect Invest carefully vets each real estate project and borrower. And don’t worry, all loans are backed by real estate collateral. In the rare event of a default, Connect Invest’s sister company will foreclose on the property with the investors’ approval and sell it to recover your investment. 

It’s super easy to set up your free account and start investing. To earn your $50 bonus, select “Penny Hoarder” as a referral source and apply promo code “PH50.” 

7. Earn a $400 Cash Bonus* With a New BMO Smart Advantage Checking Account

Isn’t it high time our banks started paying us for our loyalty? It hardly seems fair that we’re always forking over fees and getting little to nothing in return, right? Good news — we found a bank that really does reward its customers, and the best part is you won’t pay any monthly maintenance fees, either.

When you open a BMO Smart Advantage Checking account, you may earn a sweet $400* cash bonus when you have $4,000 in qualifying direct deposits in the first 90 days.

That means you may be a couple of paychecks away from an extra $400* bucks— can’t beat that!

Here are a few reasons we love this checking account:

• Earn a $400 cash bonus (after qualifying direct deposits totaling $4,000 or more post to your account)
• Quick online application
• No monthly maintenance fee
• 40,000+ fee-free ATMs in the U.S.

And your money is always safe with BMO Bank N.A. They’re FDIC-insured, listed among the top 10 largest U.S. Banks by assets, serve 13 million customers globally, and are well established in North America.

Ready to break up with your old bank yet? Open a BMO Smart Advantage Checking account and earn your $400* cash bonus after you have a cumulative total of $4,000 in qualifying direct deposits post to your account within 90 days of account opening.

8. $10K or More in Debt? Most People Don’t Realize This Option Exists

You’re not an extravagant spender. That’s why it feels so surreal to be in so much debt. 

But with higher inflation and rising costs of everyday purchases, so many of us have had to rely more and more on credit cards just to keep up with just our basic needs.

The good news is, a company called National Debt Relief wants to help by negotiating with your creditors to resolve your debt.

If you owe at least $10,000 in unsecured debt (credit card debt, personal loans, medical bills, etc.), National Debt Relief’s experts can set you up with a realistic timeframe and payment plan that works for you.

As your monthly payments with the National Debt Relief program add up, they’ll negotiate with your creditors to settle your accounts. You will have to pay a percentage of debt settled, but it’ll still be way less than your original debt.

On average, you could resolve your debts in as little as 24 to 48 months. 

National Debt Relief is one of the largest debt settlement companies in the nation, and has already helped more than 500,000 people. 

Find out what your best options are for taking control of your debt and re-establishing your financial stability. It only takes a few minutes to sign up for a free consultation.

*Users must meet certain suitability standards pursuant to the Connect Invest II Offering Circular, users must complete their first investment within 40 days of signing up in order to be eligible for the incentive will receive their $50 bonus with their first interest earnings. Past performance does not guarantee future results or success. The material contained herein does not constitute an offer to sell or a solicitation of any offer to purchase these securities, nor shall there be any sale of these securities in any state or other jurisdiction in which such offer, solicitation or sale would be unlawful.