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It’s no secret that babies are expensive — diapers alone cost an average of $80 per month, according to the National Diaper Bank Network1. Add to that big-ticket items like a crib, stroller, high chair, baby clothes, car seat — not to mention pacifiers, swaddlers and more.

Fortunately, there are a lot of ways to get free baby stuff, including a free stroller, free crib, and free car seat.

Keep reading to learn about: 

Baby registries that come with freebies

Free breasts pumps

Local places to get free baby stuff

Organizations that give away free baby stuff

Women, Infants, and Children (WIC)

Other ways to save on baby items

You might also want to check out our new-parent guides:

Baby registries that come with freebies

These retailers offer free baby stuff when you create a baby registry:

Amazon baby registry box

Prime members who sign up for an Amazon baby registry will receive a free welcome box filled with full- and travel-sized products and samples for mom and baby.

What’s in the box? One Redditor shared the goods inside the February 2023 Amazon baby registry welcome box:

Amazon Baby Registry Welcome Box
byu/onward- inBabyBumps

However, the contents of the box change based on product availability.

The fine print:

To get the free welcome box, you must:

  • Be an active Amazon Prime member
  • Create a baby registry
  • Add 10 unique items to your registry, and have over $10 of purchases from your registry (by you or others).

If you receive SNAP, Medicaid, or other qualifying government assistance, you qualify for 50% off Amazon Prime.

Extra perks:

Amazon offers a 15% discount on any remaining items you have to purchase yourself from your baby registry, up to a combined value of $2,000 (a $300 savings). 

Babylist’s registry box of freebies

Babylist allows you to create a baby registry and add items from different stores. If you’re shopping on a web browser, you can even install the Babylist web extension to add items from any online store to your list. 

Plus, you can request gently used baby clothes, home-cooked meals, and even cash for baby-related expenses or college savings.

When you sign up with Babylist, you’ll receive a Hello Baby Box, which includes product samples from popular brands (diapers, bibs, pacifiers, etc.). Boxes typically also contain coupons and promotional items.

The fine print:

To get your Hello Baby Box:

  • Create a Babylist registry
  • Add three items to your registry from the Babylist Shop
  • Add three items to your registry from other stores (like Amazon and Target)
  • Make a minimum purchase of $30 from the registry (you or someone else can make the purchase)

Once you’ve completed these tasks, a button will appear at the top of your profile that reads “Hello Baby Box.” While the box itself is free, you have to pay $8.95 plus tax to have it shipped to you.

Extra perks:

Babylist offers a one-time 15% discount in the Babylist shop on Babylist.com. Your registry must be at least 30 days old to get the discount, which is good from 60 days before and up to six months after your baby’s due date.

Target

When you create a Target baby registry, Target will send you a free welcome kit valued at more than $100. While the contents vary, you can expect to receive a mix of coupons and sample-size products.

Target also has options like:

  • Target Circle: If you sign up for this rewards program, you can get exclusive deals on baby items for one year and earn 1% Target cash when you make purchases in-store and online
  • RedCard: Target’s credit card that helps you earn 5% in Target cash when you shop 
  • Shipt: A Target partner program that offers same-day delivery on what you buy at a participating Target 

You can use these options and others to save money and get your items quickly.

The fine print:

To get your welcome kit, you must:

  • Create a Target baby registry at Target.com or in-store
  • Go to your local Target and ask for a kit at Guest Services

It’s a good idea to call first to make sure there are kits in stock.

Here’s what one Redditor got in January 2024:

Target Baby Registry Welcome Box – January 2024
byu/Watermelon_Flavor inBabyBumps

Extra perks:

Target offers a 15% discount on everything in your registry eight weeks before your baby’s due date, which you can redeem twice. You must be a Target Circle member, and your registry must be active for at least 14 days before you can receive the offer.

Also, Target allows for returns and exchanges from your registry for up to one year after purchase.

Free breasts pumps

Thanks to the Affordable Care Act, insurers now cover breast pumps and milk bags. There are a number of services to manage the ordering and billing to your insurer for free:

Aeroflow
BabyList
Breastpumps.com
BumpBoxes

Local places to get free baby stuff

Doctor’s office or hospital

Ask your gynecologist or your child’s pediatric doctor about free baby product samples or discounts on things you’ll regularly use for your baby. Sometimes, they have samples on hand and can share them when you come in for an appointment.

Another great place to check? Your local hospital — especially pediatric and maternity hospitals. If you give birth at a hospital, check to see what free baby items they can offer as you head home with your baby. 

Facebook groups

Facebook groups are another goldmine to find baby stuff freebies. You can connect with other moms to get inside tips on where to score free baby samples. 

Plus, you can find people giving away things they no longer need — like free strollers, free cribs, free car seats, gently used baby clothing, unused disposable diapers, toys, and other items.

Use the search feature on Facebook to look for parenting groups or baby freebie groups in your area. You can also join a Buy Nothing Facebook page to ask people in your area if they have free baby stuff they no longer need. 

Freebie Alerts app

The Freebie Alerts app, available on the App Store and Google Play, sends you a notification every time your neighbors are giving away free stuff. This can be a help when looking for free baby clothes, toys, and other accessories.

The app monitors:

  • Facebook Marketplace
  • Nextdoor
  • OfferUp
  • TrashNothing

You can choose to receive alerts from all or some of these sources of free stuff. 

If you want specific baby items, you can use the whitelist feature to notify you of offers with certain keywords. When you want an item, just tap on it in the app to communicate with the person giving it away. You can also post items you would like to give away.

Organizations that give away free baby stuff

Organizations that help mothers and families might also give away free baby items to expectant mothers. 

For example ShareBaby in Baltimore helps low-income families get free diapers and other essential baby care items. They deliver more than 200,000 diapers per month to 15,000+ children in families that need extra help. 

They also have a pantry filled with baby supplies and work with community partners to get them in the hands of those who need them most. 

Here are a few organizations to check out:

Baby2Baby

Baby2Baby is a Los Angeles-based charity that provides free diapers, free wipes, free clothing, free cribs, and other baby essentials at no cost to families in need. To date, the charity has given more than 300 million baby items to people in 260+ cities across the country. 

Items are typically distributed at hospitals, shelters, underserved schools, and foster care programs.  

Feeding America

While Feeding America primarily focuses on making sure U.S. families have access to nutritional food, local branches offer additional services to meet community needs.

Baby brands partner with Feeding America to provide baby supplies for people in need. For example, Abbott, the maker of Similac, donated enough baby formula to provide 1.5 million meals to seven Feeding America food banks in 20202.

Safe Kids Worldwide

Safe Kids Worldwide has chapters across the United States and in dozens of other countries around the world. While each chapter has its own programs, some distribute free car seats to low-income moms and families3. 

Safe Kids also provides events for free car seat checks. 

Women, Infants, and Children (WIC)

WIC is a federal program that provides nutritious food items to pregnant women and mothers with children up to age 1 and children up to 5 years old. 

Besides free baby formula and food, WIC-eligible families can get breastfeeding support and access to healthy foods like fresh fruit and vegetables and whole-grain bread. 

Check your eligibility for WIC.

We created detailed guides for state and charity resources for single moms in every state: 

AlabamaAlaska
ArizonaArkansas
CaliforniaColorado
ConnecticutDelaware
District of ColumbiaFlorida
GeorgiaHawaii
IdahoIllinois
IndianaIowa
KansasKentucky
LouisianaMaine
MarylandMassachusetts
MichiganMinnesota
MississippiMissouri
MontanaNebraska
NevadaNew Hampshire
New JerseyNew Mexico
New YorkNorth Carolina
North DakotaOhio
OklahomaOregon
PennsylvaniaPuerto Rico
Rhode IslandSouth Carolina
South DakotaTennessee
TexasUtah
VermontVirginia
WashingtonWest Virginia
WisconsinWyoming

Other ways to save on baby items

Getting free baby stuff certainly helps cut costs, but you’ll need a strategy to save money over the long term.

Here are 10 ways to save on baby items:

  1. Sign up for rewards programs
  2. Get a subscription box for frequently used items
  3. Shop at membership warehouses
  4. Use coupons and coupon codes
  5. Sign up for email alerts from local stores to catch items on sale
  6. Check with your employer about flexible child care savings accounts
  7. Opt for gently used baby clothes instead of new
  8. Check with your insurance provider to see if they cover baby items like breast pumps
  9. Create a baby registry and tell your friends and family about it
  10. Connect with other parents on sites like Freecycle to get free cribs, free beds, free strollers, and other items

Check out these other resources for low-income families:

Help for single moms: 16+ resources$500 monthly single mom grant
Free foodScholarships for single moms
Free clothesFree toys
Government assistance for single moms10+ charities that help single mothers
Free preschoolFree money for bills
Free Christmas giftsFree Christmas money
Free ipadFree furniture
EBT cashEBT on Amazon
EBT discounts and freebiesFree appliances
Free help with tax preparation

SOURCES

  1. National Diaper Bank. https://www.google.com/url?q=https://nationaldiaperbanknetwork.org/wp-content/uploads/2022/02/NDBN_DiaperNeed_Overview_February_2020.docx.pdf&sa=D&source=docs&ust=1689726378790430&usg=AOvVaw0c-gp1F0hdUaEfjriTNN5K
  2. “Nutrition Resources for New Parents: A Partnership with Feeding America,” May 20, 2020. Abbott. https://www.nutritionnews.abbott/news-research/global-nutrition/abbott-is-partnering-with-feeding-america-to-support-families-in-need/
  3. Safe Kids Worldwide. https://www.safekids.org/safe-kids-coalitions-united-states

Whether you need money to buy a home or cover an unexpected medical bill, there are financing options available for single moms, even if your credit is less than stellar. 

The catch is deciding whether that is a wise move. In other words, just because you can get a loan, doesn’t necessarily mean you should.

“To put it mildly, the world of loans and financial aid for single mothers can feel like a labyrinth,” says Top Mobile Banks CEO and investment analyst Tim Doman. “But with the right guidance and determination, it’s a maze you can navigate.” 

It’s critical to understand exactly what you are taking on — the interest rate, whether the APR is fixed or variable, and whether or not you are actually paying down the principal each month according to the repayment terms.

Bill Ryze, a certified chartered financial consultant warns to note the interest rate on any loan offer. Ryze says you should only get a loan if you are in a financial position to repay it. He says you’re more likely to secure a low interest rate if you have a good credit score — 670 or above. “It is not advisable to get a loan if you have an unstable income, don’t have a solid repayment plan for the loan, or if you already have outstanding loans that you cannot keep up with,” Ryze says.

Learn more about how to improve your credit score.

Here is the run-down on loans for those with low or moderate credit and income.

A note for readers in the UK The products below concern US borrowers. If you live in the UK, assess options using UK eligibility rules and your household budget. People comparing loans for people on benefits should examine the total amount repayable and whether each payment is affordable after essential costs. Receiving benefits does not guarantee approval. Before taking on interest-bearing credit, check whether you qualify for relevant assistance, such as a repayable Budgeting Advance for certain one-off costs. If ordinary bills are already unaffordable, seek independent debt advice rather than adding another repayment.

Home loans

Car loans

Personal loans

Emergency loans

Student loans

Alternatives to loans

Home loans for single moms

If you want to buy a home, there are home loans for single moms that can help you make that dream a reality. You may also be interested in grants for first-time home buyers, or help with home repairs.

Some home loans for those with low or moderate incomes:

FHA loans

Federal Housing Administration (FHA) loans offer reduced closing costs and down payment requirements. These fixed-rate loans are available in 15- and 30-year terms.  

Details: 

  • Credit score of 500 to 579 – 10% minimum down payment
  • Credit score of 580 or more – 3.5% minimum down payment
  • Mortgage insurance required (for life of the loan if you put down less than 10%) 
  • Property must meet FHA eligibility requirements (maximum purchase price varies from $472,030 to $1,089,300 depending on where you live1) 

HomeReady Mortgage from Fannie Mae 

The HomeReady Mortgage is designed to help lenders serve credit-worthy borrowers who have a lower income. You must take the Fannie Mae HomeView online course or an approved alternative HUD-approved course to be eligible. 

Details: 

  • Income must be 80% of the area median income2
  • No geographic restrictions
  • Credit score of 620 or more – 3% minimum down payment
  • Funding from relatives, grants, and Fannie Mae Community Seconds is allowed

FDIC Loans via Operation HOPE Home Buyers Program 

Operation HOPE Home Buyers Program helps low-income home buyers through FDIC-approved loans, down payment assistance, and first-time buying assistance.

Details: 

  • Group training and one-on-one coaching for first-time home buyers
  • Provides HUD-certified coaches to guide you through the home loan process

Home Possible Loan from Freddie Mac

If you’re looking for low-income home loans for single mothers, a Freddie Mac Home Possible mortgage could be right for you.

Details: 

  • Your income cannot exceed 80% of the area median income
  • As little as 3% down
  • No geographic limits on loan amounts
  • Can apply with bad credit due to lack of credit history 
  • Mortgage insurance is required on one-unit properties, but once your loan balance is less than 80% of its value, it is no longer required

How hard is it for a single mom to buy a house?

Because you’re applying for a loan based off of a single income, it can be more difficult to buy a home as a single mom.

However, Doman says home-buyer assistance programs make it easier for single moms to buy a home.

“My sister, for example, got her first home with a USDA loan, which offered her more accessible terms,” he says.

State and local organizations offer a range of assistance options, including home buyer grants. Doman says there are also housing counselors available to help people navigate the process of buying a home.

Car loans

Car loans are available through banks, credit unions, online lenders, and directly through car dealerships. These loans use the vehicle you’re purchasing as collateral, which means if you don’t pay, the lender will repossess your car.

If you need a car loan but have very low — or no — credit, a repossession or bankruptcy, check out Auto Credit Express. A+ Better Business Bureau rating, 30-second pre-approval and cash within 24 hours.

How to get a car loan 

Ryze offers this advice to obtain a car loan:

  • Access your credit report: Your credit score will have a significant impact on how much interest you pay on your loan (and whether you’ll be approved for a loan at all). If your score is below 660, Ryze says you might want to hold off on getting a car loan and focus on repairing your credit score to secure the best loan rates.
  • Identify how much you need: Before applying for a car loan, determine the type of car you would like to buy, how much of a down payment you can afford, and what number of monthly payments work for you. While a longer loan term means smaller payments, you’ll pay more in interest over time.
  • Find lenders: Try finding car loan providers —  e.g., banks, credit unions, and other institutions — and apply for pre-approvals. Compare pre-approvals before accepting an offer.
  • Get your car: After accepting the loan offer, go to the dealership, negotiate your payment, and sign the paperwork once you settle on the price. Your lender will reach out to you with details about your car loan (the amount and mode of payment).

“I recommend automating your payments to stay on top of your debt and enjoy a discount on the interest rate (depending on the lender),” Ryze says. 

Auto Credit Express specializes in car loans for those with low or no credit:

  • Better Business Bureau rating of A+
  • In business since 1999
  • For new or used cars
  • Auto loans and refi for buyers who have low or no credit, or who have gone through bankruptcy or had a vehicle repossessed
  • Pre-approval within 30 seconds

Buy-here, pay-here dealerships

Buy-here, pay-here dealerships are special car dealerships for borrowers who either have bad credit or do not meet traditional lender requirements. These dealerships offer in-house financing, so you will not undergo the same level of scrutiny, though you may have to show proof of income and employment. 

Ryze says you typically only need to fill out the required paperwork and demonstrate you can afford the monthly payments toward the loan. Due to the higher lending risk, these dealers often charge higher interest rates.

While these types of loans can help people with low credit scores obtain a car loan, Ryze says they do not help build your credit score because most dealerships will not report your payments to a credit bureau. 

Reddit post about car loans for single moms.

However, if you do miss a payment, Ryze says some might report it, damaging your credit score even further. Before you buy a car, find out the dealership’s policy on reporting payments. 

If you need to work on building your credit before purchasing a car, Ryze says there are steps you can take:

  1. Watch your credit report and make sure to dispute any errors.
  2. Try to lower your credit card balances and avoid carrying a month-to-month balance.
  3. Avoid applying for new credit cards.
  4. Pay your bills on time so you don’t incur late fees or extra charges. 

If you really need help you can seek out sources for a free car, free car repair or free rides.

Personal loans for single mothers

You can get a personal loan to cover any type of expense from an online lender, bank, or credit union:

Lending Club

Lending Club offers a quick and easy process to apply online for a personal loan. Money is deposited directly into your bank account or directly to your creditors to pay off debt. 

Better Business Bureau rating: A (accredited since 2008)

Loan amounts: $1,000 to $40,000

Interest rates: 9.57% to 35.99% APR

Loan terms: 3 or 5 years

Origination fee: 3% to 6% of loan amount

Minimum credit score: 600

Requirements: 

  • Maximum debt-to-income ratio of 60% for individual application (40% for joint)
  • Minimum 37 months credit history and two accounts
  • No minimum income, but must show proof of income

Lending Club reviews: 

Trustpilot (4.7/5 stars): 

1-star Trustpilot review of Lending Club, a provider of single mom loans.
5-star Trustpilot review of Lending Club, a provider of single mom loans.

Reddit: 

Reddit review of Lending Club, a provider of single mom loans.
Reddit review of Lending Club, a provider of single mom loans.

BBB (4.57/5 stars): 

BBB review of Lending Club, a provider of single mom loans.
BBB review of Lending Club, a provider of single mom loans.

SoFi

SoFi offers a hardship loan for people experiencing unexpected financial challenges like unemployment, unexpected medical bills, or caregiver expenses. They also offer a 0.25% interest rate reduction on personal loans for people who set up autopay. SoFi has a mobile app for iOS and Android devices. 

Better Business Bureau rating: A+ (not accredited)

Loan amounts: $5,000 to $100,000

Interest rates: 8.99% to 25.81% APR

Loan terms: 2 to 7 years

Origination fee: 0% to 6%

Minimum credit score: 680

Requirements: 

If unemployed, it’s necessary to meet one of the two following eligibility criteria:

  • Have sufficient income from other sources (varies by the loan amount being sought)
  • Have an offer of employment to start within the next 90 days

SoFi reviews: 

Trustpilot (4.9/5 stars):

5-star Trustpilot review of SoFi, a provider of single mom loans.
5-star Trustpilot review of SoFi, a provider of single mom loans.
3-star Trustpilot review of SoFi, a provider of single mom loans.

Reddit: 

How does anyone borrow from SoFi?
byu/StrengthPuzzled9495 insofi
Reddit review of SoFi, a provider of single mom loans.

Universal Credit

Universal Credit allows you to answer a few quick questions to see your rate before taking out a personal loan (which won’t impact your credit score). If approved, you can get paid in as little as one day. Universal Credit also offers free credit score reports for borrowers.

BBB rating: A+ (accredited) 

Loan amounts: $1,000 to $50,000

Interest rates: 11.69% to 35.99%

Loan terms: 3 to 5 years

Origination fee: 5.25% to 9.99%

Minimum credit score: 560

Requirements: 

  • Maximum debt-to-income ratio of 75%, including your mortgage and the loan you’re applying for
  • No minimum income requirement
  • 2-year minimum credit history 

Universal Credit reviews: 

Trustpilot (4.8/5 stars):

5-star Trustpilot review of Upgrade, a provider of single mom loans.

BBB (4.81/5 stars)

4-star BBB review of Universal Credit, a provider of single mom loans.
5-star BBB review of Universal Credit, a provider of single mom loans.

Upgrade

Upgrade offers both secured (meaning your debt is backed by collateral like your house or car) and joint loans (with a cosigner). Acceptable income can come from alimony, retirement, child support, and Social Security funds. Upgrade has a mobile app for iOS and Android devices.

BBB rating: A+ (accredited) 

Loan amounts: $1,000 to $50,000

Interest rates: 8.49% to 35.99%

Loan terms: 2 to 7 years

Origination fee: 1.85% to 9.99%

Minimum credit score: 560

Requirements:

  • Maximum debt-to-income ratio is 75% or less, including the loan
  • 2-year minimum credit history 

Upgrade reviews: 

Trustpilot (4.5/5 stars):

5-star Trustpilot review of Upgrade, a provider of single mom loans.
1-star Trustpilot review of Upgrade, a provider of single mom loans.

Reddit: 

Reddit review of Upgrade, a provider of single mom loans.

BBB (4.52/5 stars): 

5-star BBB review of Upgrade, a provider of single mom loans.
1-star BBB review of Upgrade, a provider of single mom loans.

Upstart

Upstart offers loans to borrowers with a short credit history, including borrowers who have a combined income from employment, alimony, and child support. Cash payouts are available in as little as one business day. Upstart does not allow joint or co-signers and does not have a mobile app.

BBB rating: A+ (accredited) 

Loan amounts: $1,000 to $50,000

Interest rates: 4.6% to 35.99% APR

Loan terms: 3 or 5 years

Origination fee: 0% to 6%

Minimum credit score: 300

Requirements: 

  • At least $12,000 annual income
  • Must have a full-time job or be starting a full-time job within six months

Upstart reviews: 

Trustpilot (4.9/5 stars): 

5-star Trustpilot review of Upstart, a provider of single mom loans.
5-star Trustpilot review of Upstart, a provider of single mom loans.

Reddit: 

Reddit review of Upstart, a provider of single mom loans.
Reddit review of Upstart, a provider of single mom loans.

BBB (1.23/5 stars): 

1-star BBB review of Upstart, a provider of single mom loans.

What disqualifies you from getting a personal loan?

Ryze, who is board advisor for loan marketplace Fiona Financial, says there are factors that may disqualify you from getting a personal loan: 

  • Low credit score
  • High debt-to-income ratio
  • Insufficient income
  • Age or residency requirements of individual lender

“One common and often overlooked [issue] is providing inaccurate information or missing information when making your application,” Ryze says.

Emergency loans

Some loans can be paid out quickly to cover emergency expenses: 

What are emergency loans used for?

Emergency loans can be used to cover a variety of expenses — car repairs, past-due rent, child care expenses, medical bills, etc.

These are some of the different types of emergency loans:

Payday Loans

  • Short-term loan where you borrow money in advance of your next paycheck
  • Based on how much you earn
  • Not available in every state (16 states and Washington, D.C. don’t allow payday loans)

Learn about same-day pay jobs

Cash Advances

  • Cash advances from your credit card
  • Doesn’t require a credit check 
  • Interest rates can be high
  • How much you borrow is set by a percentage of your card’s limit or a maximum amount set by the credit card company

Title Loans 

  • Secured loan that uses your car title as collateral
  • Car can be repossessed if you fail to pay back the loan at the end of the term

Home Equity Loan/Line of Credit

  • Lump-sum funding and a set interest rate
  • Repayment of up to 30 years in some cases
  • Home equity line of credit means you can borrow for a number of years, with a repayment period of up to 20 years
  • Uses your house as collateral, which means if you can’t pay it back, the bank will foreclose on your house

What credit score do you need for an emergency loan?

Ryze says you usually need a credit score of at least 580 to be eligible for an emergency loan, though some companies do not have minimum score requirements. 

However, Ryze says that lower scores will result in a higher interest rate (in some cases, upwards of 35%). 

Top Mobile Banks CEO and investment analyst Tim Doman says that typically, a score of around 600 and above increases your chances of getting an easy personal loan. 

“Don’t lose heart if you’re below that,” says Doman, who notes that some lenders care more about a person’s income and ability to pay back the loan.

When it comes to personal loans, Doman recommends applying through a credit union or online lender. 

“They usually have more flexible terms and might be willing to overlook a blemish or two on your credit report,” Doman says.

He recommends shopping around to compare rates and terms before applying for a loan. 

“My sister, a single mother herself, has been through this journey, and I can tell you it’s an uphill climb but not an impossible one,” Doman says. 

Student loans for single parents

Ryze says private student loans tend to have higher interest than federal student loans. Borrowers of private loans don’t enjoy the same protections as as borrowers with federal student loans, such as fixed interest rates, income-based repayments and low APRs, and may not be the best option for some. 

“I would only recommend private student loans for anyone who is not eligible for federal student loans or someone who has exhausted their federal student loans but still needs funds to cover their education expenses,” he says.

Before you apply for student loans, first find out if you qualify for any grants or scholarships, including scholarships for single moms and scholarships for women. You can explore options through the federal government, state governments, specific colleges, and private organizations. 

Federal student loans

To qualify for any federal student loans and grants, you have to fill out the Free Application for Federal Student Aid (FAFSA)3.

Your chosen college or university will use this application to determine eligibility for financial aid, which is based upon your expected family contribution, enrollment status (full or part time), and your school’s enrollment costs. 

Loan amounts: There are several types of federal student loans, and they all have different loan limits and eligibility4:

Loan typeWho is eligibleDetailsLoan amounts
Direct subsidizedUndergraduate students– Based on financial need
– Calculated based on cost of attendance minus expected family contribution and other forms of financial aid
– Lowest interest rate of the three
– 6-month grace period after you leave school		$3,500 to $5,500 per year (increases for each year you’re in school)
Direct Unsubsidized LoanUndergraduate and graduate students– Not based on financial need
– Calculated based on cost of attendance minus expected family contribution and other forms of financial aid
– 6-month grace period after you leave school		$5,500 to $20,500 per year (varies by year in school and dependency status)
Direct PLUS LoanGraduate and professional students– Not based on financial need- Calculated based on cost of attendance minus expected family contribution and other forms of financial aid
– Highest interest rate
– 6-month deferment after you leave school		Up to the total cost of enrollment

How to apply: Fill out the free FAFSA form on studentaid.gov. Applications for the following school year typically open on Oct. 1. For the 2024 school year, however, applications will open in December instead of October because of an overhaul in the application system5. 

How much can a single mom get for student loans?

If you apply for a private student loan, the lender will determine your maximum loan amount based on your need and creditworthiness.

Federal student loans have payout limits based on your year in school, dependency status, and how much financial aid you’ve received from other sources (grants, scholarships, work-study programs, etc.). 

Undergraduate students can borrow up to $5,500 in subsidized loans and $12,500 in unsubsidized loans, while graduate students can borrow up to the full cost of attendance, minus any other financial aid received.

If you already have student loans, and are struggling to afford them, refinancing your student loan might help lower your payment and shorten the loan term.

If you are wondering how student loan refinancing works, here are the basics to consider:

  • Whether the loan will be paid off sooner with refinancing
  • How much you could potentially save in interest
  • Your employment history and credit score — if they are not strong, you will not qualify for a competitive refinance loan
  • Learn how to assess the loan, including fees, forbearance options and customer service

Alternatives to loans

If you do not want to take out a loan, check to see if you qualify for one of many government assistance programs and charities for single moms.

Help for single moms: 16+ resources$500 monthly single mom grant
Best jobs moms can do from homeFree money for bills
10+ charities that help single mothersFree gift cards
Free foodFree clothes
Free daycareFree gas
Free formulaFree roadside assistance

Also, research single-mom programs in your state:

SOURCES

  1. “FHA Mortgage Limits,” 2023. U.S. Department of Housing and Urban Development. https://entp.hud.gov/idapp/html/hicostlook.cfm
  2. “Area Median Income Lookup Tool,” 2023. Fannie Mae. https://ami-lookup-tool.fanniemae.com/amilookuptool/
  3. “How do I apply for a federal student loan?” U.S. Department of Education. https://studentaid.gov/help-center/answers/article/how-to-apply-for-federal-student-loan
  4. “The U.S. Department of Education offers low-interest loans to eligible students to help cover the cost of college or career school,” U.S. Department of Education. https://studentaid.gov/understand-aid/types/loans/subsidized-unsubsidized
  5. “FAFSA launch officially delayed,” March 22, 2023. Inside Higher Ed. https://www.insidehighered.com/news/2023/03/23/new-fafsa-wont-launch-until-december
  6. “WIC Policy Memorandum #2023-4,” March 31, 2023. United States Department of Agriculture. chrome-extension://efaidnbmnnnibpcajpcglclefindmkaj/https://fns-prod.azureedge.us/sites/default/files/resource-files/wic-ieg-2023-24-memo.pdf
  7. “Find out if you can still get health coverage,” 2023. HealthCare.gov. https://www.healthcare.gov/screener/
  8. Single Parent Project. https://www.singleparentproject.org/

If you are trying to sell a moissanite — or you’re deciding between a moissanite or diamond purchase — there’s a lot of information (and misinformation) to sift through.

While historically, diamonds have been the preferred gemstone for engagement rings and other fine jewelry, today’s jewelry buyers have taken a more vested interest in ethically sourced gemstones1 like moissanite and lab-grown diamonds.

A recent survey by The Knot wedding site2 found that among the 10% of couples who chose a non-diamond stone, nearly 30% selected moissanite in 2023. That number went up to 40% for Gen Z couples.

Plus, the large cost savings of moissanite vs. diamond jewelry is nothing to scoff at, though the former is more difficult to resell.

In this post, I’ll explain the differences between moissanite and diamonds and offer advice about where and how to sell moissanites you no longer want: 

What is moissanite?

Moissanite vs diamond: Their characteristics

Moissanite vs diamond: Price

Moissanite vs diamond: Resale value

Where to sell moissanite: Finding the right moissanite buyers

Tips for selling a moissanite ring

Moissanite vs diamond FAQs

Bottom line: Understand the differences of moissanite vs diamond before you buy or sell

What is moissanite?

While moissanite was discovered as a naturally occurring mineral, moissanite sold today is a lab-created gemstone made of silicon carbide engineered to look like a diamond. 

Often called a diamond simulant, moissanite has a 9.25 rating on the Mohs Scale of Hardness, while diamonds (even those created in a lab) hold a 10 rating. Moissanite has a higher refractive index than a diamond — which makes it appear more sparkly — and is often distinguishable by its flashes of rainbow colors and faint green hue, especially in sunlight.

The history of moissanite

According to the American Gem Society, moissanite was discovered in Arizona in 1893 by Nobel Prize-winning scientist Henri Moissan, after whom it was named3. He found the mineral in the crater of a meteorite and spent his life trying to recreate it, but was never successful.

Nearly 100 years later, researchers in North Carolina developed and patented a process for creating pure silicon carbide in a lab, which they used to create semiconductors, LED lighting, drilling tools, and abrasives (compounds used to smooth other materials, like sandpaper).

In 1998, North-Carolina based jeweler Charles & Colvard were awarded the first patents to create and sell lab-grown silicon carbide gemstones as a diamond alternative.

This video from Charles & Colvard — which heavily promotes its moissanite products’ environmentally friendly aspect with its “Made, not mined” tagline — dives more into the history of moissanite: 

The science of moissanite

Moissanite is a mineral composed of silicon and carbon, formed through a combination of pressure and heat. 

Natural moissanite is extremely rare and has only been found in a few deposits worldwide, in specific types of meteorite and igneous rock formations. The largest discovered moissanite deposit was found in 2014 in Israel and measures just 4.1 mm4.

It takes several months to create a single lab-grown moissanite gemstone.

Moissanite vs diamond: Their characteristics

Though they may appear the same to the untrained eye, moissanites and diamonds are not the same stone. These are some key differences: 

MoissanitesDiamonds
Composition50% carbon, 50% silicon99.95% carbon (the 0.5% is made of trace elements that don’t impact the diamond’s composition but can change its color)
ColorMoissanites available on the market are all nearly colorless, with slight undertones of green, yellow, or gray. Diamonds are valued based on their colorlessness — the less yellow they appear, the higher their value (with the exception of colored diamonds)
Hardness9.25 on Mohs Scale of Hardness10 on Mohs Scale of Hardness
BrillianceMoissanites have a higher refractive index of 2.65 and are doubly refractive, which causes them to give off a signature rainbow “disco ball” lightDiamonds have a 2.42 refractive index and tend to have a more clear, white sparkle; they are singly refractive
ConductivityMoissanite is 25% more thermally conductive than diamonds and can conduct electricityDiamonds cannot conduct electricity

Is moissanite a true diamond?

No, moissanites are not diamonds, though the Gemological Institute of America (GIA)5 once called moissanites “much closer to diamond in overall appearance and heft than any previous diamond imitation.”

Is there a moissanite diamond?

No, moissanites and diamonds are compositionally different. Diamonds are made of 99.95% carbon, while moissanites are made of 50% carbon and 50% silicon.  

Will moissanite pass a diamond tester?

On some standard diamond testers, a moissanite will test as a diamond because diamonds and moissanites have nearly the same range of thermal conductivity. Professional grading labs and jewelers have tools to test gemstones based on Mohs Scale of Hardness (diamonds have a higher hardness rating).

Professionals may also test how well the stone conducts electricity. Moissanites are electric conductors, and diamonds are not. While there are moissanite testers available to purchase online, most have poor reviews and cost hundreds of dollars.

The simplest and most cost-effective way to determine if your stone is a diamond or moissanite is to examine it under a 10x loupe — a small magnifying glass used by jewelers — to look for double refraction, a key characteristic of moissanite. 

When you tilt the stone at an angle, a moissanite’s flat triangle features (known as facets) will appear doubled or fuzzy. Diamonds are singly refractive, so they won’t display this quality. 

To the naked eye, you may be able to tell the difference between a diamond and a moissanite, as the latter’s sparkle has more rainbow colors, as well as a faint green hue under certain lights. 

Here’s a video that shows a moissanite’s double refraction under magnification: 

How is moissanite graded?

The GIA does not grade moissanite — nor does it list moissanite as an official gemstone6 — though they will help you determine if your stone is a moissanite or diamond. However, independent laboratories and jewelers may grade moissanite based on the four Cs used in GIA’s diamond grading scale:

  • Carat – Moissanite is about 15% lighter than diamond, which means a 1-carat moissanite would be 15% larger in size than a 1-carat diamond. Most moissanites are measured and sold strictly by their dimensions in millimeters.
  • Color – Moissanites typically carry undertones of green, yellow, or gray. However, most moissanites available for purchase are near-colorless. Diamonds are graded based on GIA’s color scale5 from D (colorless) to Z (the most yellow). Some jewelry companies, like Brilliant Earth7, classify moissanite into two categories — Premium (comparable to a G or H on the diamond color scale) and Super Premium (comparable to diamonds in the D-F range).
  • Clarity – Most lab-created moissanite gemstones do not have visible inclusions (imperfections) that can be seen by the naked eye.
  • Cut – Moissanites are cut into the same shapes as diamonds and other gemstones, with some styles in higher demand than others (depending on current trends).

Moissanite vs diamond: Price

There is no direct correlation between the price of a diamond and the price of a moissanite gemstone, and market demand for each stone can impact pricing. 

On ethically sourced jeweler Brilliant Earth’s website, we compared the cost of a 6.5-mm round moissanite and a 1-carat round diamond in the same 18k white gold engagement ring setting. According to the International Gem Society8, a 1-carat round diamond is typically about 6.5 mm in size. 

This moissanite ring was priced at $1,375 as of July 2024. It has a Super Premium Colorless rating (comparable to a D-F color range diamond): 

Price of a 6.5-mm moissanite from Brilliant Earth as of July 2024.

This diamond ring was priced at $5,180 as of July 2024. It has a D color grade and VS2 clarity grade, which a representative from Brilliant Earth told me would be the most similar to the moissanite clarity: 

I also priced a lab-grown diamond of the same size and grading in the same setting, which cost $2,440.

Lab diamond vs. moissanite ring for sale on Brilliant Earth.

It’s important to note that this is not an exact comparison, since Brilliant Earth only officially grades moissanites on color.

Is moissanite as valuable as a diamond?

No, moissanites are not nearly as valuable as diamonds. Our cost comparison found the price of a moissanite ring from Brilliant Earth was about 15% the price of a similar-quality diamond ring from the same company. 

However, this is not a 100% exact comparison, nor is it an indicator of the cost for all moissanites vs. diamonds.

Why are moissanites so cheap?

Moissanites are so cheap because they’re created in a lab. While diamonds can also be created in a lab, lab-grown diamonds have a slightly higher price point because they still possess the same qualities as a natural diamond, including its 10 rating on the Mohs Hardness Scale (compared to moissanite’s 9.25 rating). 

Moissanite vs diamond: Resale value

Both moissanites and diamonds lose a significant portion of their value after initial sale.

What is the resale value of moissanite?

Dustin Lemick, CEO of BriteCo Jewelry Insurance, says moissanite does not have resale value in the same way that diamonds do.

However, that doesn’t mean you can’t sell moissanite jewelry on Facebook Marketplace, a site like Craigslist, or to a consignment shop that accepts moissanite jewelry.

Most independent jewelry stores claim you can sell moissanite for between 25% and 75% of its original retail value. 

What is the resale value of diamonds?

A diamond’s resale value depends on its size, cut, clarity and color, as well as the current market demand for diamonds.

Like moissanite, the value of a diamond depreciates drastically after it’s been purchased. Most independent jewelers claim diamonds sell for between 25% to 50% of their original value.

These are some recent diamond resale trends, as of December 5 2024, according to Rapaport:

RAPNET Diamond Index as of December 5, 2024
RAPNET Diamond Index as of December 5, 2024

Rapaport expects these higher prices to continue to drop for the foreseeable future.

Where to sell moissanite: Finding the right moissanite buyers

In a recent Reddit thread, someone asked for advice to sell their wife’s moissanite ring from a previous marriage. They said they’d had difficulty selling on popular resale platforms like Facebook Marketplace and Offerup, since uneducated buyers mistook the moissanite ring as a “fake diamond.” 

Where to sell moissanite
byu/nick_fury610 inMoissanite

Reddit users directed the original poster to try selling in the r/MoissaniteBST subreddit, which requires proof of purchase for all moissanite rings and other jewelry posted for sale. 

Here’s more about where to sell moissanite: 

Who buys moissanite? 

While you may be able to sell moissanite to a pawn shop or local consignment store, some Reddit users warn you may only be paid for the price of any gold or silver contained in its setting. 

Have any of you pawned your moissanite ring?
byu/chicha1994 inMoissanite

Redditors say they’ve successfully sold on online consignment sites like Mercari, Poshmark, and I Do Now I Don’t, as well as jewelry classified sites DiamondBistro and Loupe Troop.

You can also try posting on ebay or sites like Craigslist or joining a moissanite resale group on Facebook like preowned moissanite jewelry.

If you do not have success reselling your moissanite — which is very possible — the gold, platinum or silver setting should be worth its weight as scrap metal.

Who buys diamonds?

There are a number of online and local options for selling diamonds, including: 

  • Pawn shops
  • Jewelry stores 
  • Antique, auction, estate, and consignment sales
  • Online marketplaces
  • Online diamond buyers like Diamonds USA, which buys all sizes of diamonds, including small stones (plus gold, silver, and other gemstones)

Diamonds USA is our No. 1 recommendation for selling diamonds because: 

  • A+ BBB rating
  • Payouts within 24 hours
  • 10% bonus when you send in your shipment within a week
  • Family-owned company
  • Price match and free return guarantee
  • Choice of mailer: FedEx or USPS

Learn more about where to sell diamonds and get a quick quote today from Diamonds USA >>

Tips for selling a moissanite ring

These are some tips for selling a moissanite ring, which are similar to the tips for selling any engagement ring: 

  1. Gather all the information you have about your ring, including what materials and other gemstones are in its setting and the size of the moissanite it contains. It helps to have your original proof of purchase so buyers know what you initially paid for your ring and where it came from. 
  2. Consider getting an appraisal of your ring, but only if it’s potentially worth a significant amount of money (jewelry appraisals can cost several hundred dollars). In most cases, paying for a moissanite appraisal will not be worth the money.
  3. Get offers from multiple buyers, including local and online jewelry buyers. If you’re selling online, clean your ring and take quality pictures in different lighting to draw in more buyers.

Can I sell my moissanite engagement ring?

Yes, you can sell a moissanite engagement ring in a number of places, though some places may only pay you for the precious metal value of your ring.

People who have successfully sold moissanite engagement rings recommend posting in the r/MoissaniteBST subreddit and selling on online consignment sites and online jewelry classified sites like DiamondBistro and Loupe Troop.

Moissanite vs diamond FAQs

Which is better moissanite or diamond?

In terms of durability and pricing, diamonds are widely considered to be the “better” stone. However, which one you choose to buy is largely a personal decision. 

Moissanites are ethically sourced, since they’re created in a lab and don’t need to be mined from the earth, and they’re a cost-effective alternative to natural and even lab-grown diamonds. Plus, they’re more durable than cubic zirconia, which lose their luster in just two years.

“I also think the younger millennials and older zoomers are less concerned with upholding the tradition of a mined diamond ring or using the family jeweler that sold their parent’s rings,” says Ilah Cibis, a jeweler and designer based in Worcester, Mass., who specializes in lab-grown diamond pieces but also sells moissanite. 

She says with the increased cost of consumer goods, people are primarily looking for ways to maximize their dollar, followed by human rights and environmental concerns.

However, Daphna Simon, a New York-based jeweler and designer, says clients who are looking to invest in an heirloom-quality piece will rarely go for moissanite over diamonds. 

“While moissanite may look similar and is of course much more affordable, it simply doesn’t carry the same association with love as diamonds always have,” Simon says.

Is diamond more durable than moissanite?

Yes, diamonds are rated 10 on Mohs Scale of Hardness, while moissanites have a 9.25 rating.

What are the pros of moissanite?

  • Less expensive (15% the cost of comparable diamonds, based on our cost comparison)
  • Ethically sourced (lab created vs. mined)
  • More brilliant than diamonds

What are the cons of moissanite?

  • Not as valuable or historically revered as diamonds
  • Some people are turned off by moissanite’s overly sparkly “fiery” appearance
  • Less durable than diamonds, though still suitable for everyday wear

Bottom line: Understand the differences of moissanite vs diamond before you buy or sell

Unfortunately, there are a lot of misconceptions about moissanite and its value as a diamond simulant. If you’re trying to sell moissanite, being educated about its unique characteristics can help you better market your stone to the right buyers and inform uneducated buyers who think moissanite is nothing more than a “fake diamond.” 

Likewise, if you’re deciding between a moissanite vs. diamond piece, understand the pros and cons of each — including a potentially huge cost savings if you purchase a moissanite.

SOURCES

  1. “The engagement ring trends you’ll see everywhere in 2023,” February 21, 2023. Vogue France. https://www.vogue.fr/wedding/article/engagement-ring-trends-wedding-diamonds-2023
  2. “The Knot 2023 Real Weddings Study,” Feb 14, 2024. The Knot. https://www.theknot.com/content/wedding-data-insights/real-weddings-study
  3. “Moissanite History,” 2023. American Gem Society. https://www.americangemsociety.org/moissanite-history/
  4. “Record-Size Natural Moissanite Crystals Discovered in Israel,” Gems & Gemology, Summer 2014, Vol. 50, No. 2. https://www.gia.edu/gems-gemology/summer-2014-gemnews-moissanite-crystals-israel
  5. “Synthetic Moissanite: A New Diamond Substitute,” Gems & Gemology, Winter 1997, Vol. 33, No. 4. https://4cs.gia.edu/en-us/blog/diamond-color-chart-official-gia-color-scale/
  6. “Gem Encyclopedia,” 2023. Gemological Institute of America. https://www.gia.edu/gem-encyclopedia
  7. “Diamond Color Chart: The Official GIA Color Scale,” 2023. Gemological Institute of America. https://4cs.gia.edu/en-us/blog/diamond-color-chart-official-gia-color-scale/
  8. “Diamond Measurements: What You Should Know Before You Buy.” International Gem Society. https://www.gemsociety.org/article/diamond-measurements/

You’ve probably seen cars driving around encased in advertisements. Did you know the drivers of those cars are likely getting paid just for driving around?

Car advertising is a legit way to make several hundred dollars a month — maximizing income from your vehicle if you already use your car for ride-share or food delivery services.

 However, there are a few things you need to know:

  1. Car wrap scams are rampant, and there are lots of companies with poor reviews
  2. Some people report their cars were damaged by the wraps
  3. Depending on where you live, you may have to pay for commercial car insurance, which typically costs more than personal car insurance

In this post, I’ll show you how to safely advertise on your car with a legitimate company: 

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Car advertising: What is it?

Car advertising, or car wrap advertising, is when companies pay you for driving around with their advertisements on your vehicle. 

Car wrap advertising companies match you with local brands, whose ads will be affixed to the outside of your vehicle. Depending on the company, you can choose two types of ads:

  1. Full-car wrap that covers your vehicle’s paint job
  2. Decal ads that only cover specific areas of your vehicle, such as the side, hood, or rear window.

Most car wrap companies, like Carvertise and Nickelytics, have partner shops where you can have the ads placed on your vehicle for free. Other companies may require you to have the decals placed yourself.

How to get paid for advertising on your car

Typically, car wrap advertising companies pay you based on how often you drive your car and where. Most have an app or website that allows you to track your miles and get paid (usually through ACH deposit or PayPal).

Who can get paid for car ads: The car advertising process

Most companies only hire drivers with cars less than 10 or 15 years old. Drivers must have a good driving record with current vehicle insurance.

Uber/Lift/DoorDash drivers can also sign up and make money on top of their ride-share earnings.

How much do you get paid to advertise on your car?

The amount you make by advertising on your car depends on several factors, like the size of the advertisement and the location and amount of time you drive. Larger, more prominent ads have larger payouts because of increased visibility and potential reach. 

Driving around in a more populated metropolitan area will also fetch you more money. Most companies use an app to track your mileage and location whenever you drive.

These Reddit users shared how much they made through car wrap advertising. As a side note, several of these drivers claimed they had trouble fully removing the ads from their vehicles:

Payouts from car wrap advertising on Reddit.
Payouts from car wrap advertising on Reddit.

3 companies that pay you for car advertising

These are three legit car wrap advertising companies that will pay you to display ads on your vehicle:

1. Carvertise 

Carvertise is a car ad company that allows you to match with relevant ad campaigns in your area for free. Drivers can choose partial or full wraps, which brand to advertise with, and can accept or decline any campaign, which typically last 2 to 6 months.

Carvertise will suggest brands to partner with, targeting areas you frequently commute, and arrange for a shop to install your car wrap for free.

 Carvertise driver requirements:

  • 18 years old with a valid drivers license/insurance
  • Regularly drive in one of the top 200 markets in the country
  • Drive at least 30 miles per day (mileage tracked via the Carvertise app)
  • Car must be at least model year 2008

Payout: $100 to $300 per month or $450 to $1,500 per campaign, depending on the size of the car wrap advertisement and the length of time you display it. Carvertise pays via PayPal or direct deposit (ACH deposit).

BBB: B+

Trustpilot: 3.2 stars

App Store: N/A

Google Play: 2.6 stars

1-star Trustpilot review of Carvertise, a car advertising company.
5-star Trustpilot review of Carvertise, a car advertising company.
5-star BBB review of Carvertise, a car advertising company.
5-star BBB review of Carvertise, a car advertising company.

2. Nickelytics 

Nickelytics is a car advertising company based in Tampa, Fla., though they work with drivers across the U.S. To start, download and create an account on the Nickelytics app (available on both IOS and Android devices), which will also be used to track mileage.

Once you’re approved for their advertising program, Nickelytics will put you in touch with and pay for a wrap installer. Drivers can choose between back windshield, light wrap, or full body ads. Campaigns can last anywhere from one week to three months.

Nickelytics driver requirements:

  • 18+ years old with a clean driving record
  • Car is no more than 10 years old
  • Drive a minimum of 30 miles per day, 150 miles per week, or 450 miles/month
  • Rideshare and delivery drivers welcome

Payout: Nickelytics says most drivers make between $175 to $250 per car wrap advertising campaign and can make upwards of $500 depending on the type of advertisement and duration of the campaign.

BBB rating: N/A

Trustpilot rating: N/A

App Store: 3.5

Google Play: 2.5

5-star App Store review of Nickelytics, a car advertising company.
1-star App Store review of Nickelytics, a car advertising company.
5-star App Store review of Nickelytics, a car advertising company.
1-star App Store review of Nickelytics, a car advertising company.

3. Wrapify 

Wrapify works with drivers across the U.S., who can get their back window, doors, or whole vehicle wrapped. 

Wrapify driver requirements:

  • 21+ years old
  • Pass background check
  • Drive a vehicle that is a 2010 model year or newer with no significant damage

Payout: Depending on whether it’s a partial or full wrap, Wrapify says you can earn between $180 and $450 per month. Payments are made via direct deposit to your bank account. 

BBB rating: C-

Trustpilot rating: N/A

App Store: 3.9

Google Play: 3.9

1-star BBB review of Wrapify, a car advertising company.
1-star BBB review of Wrapify, a car advertising company.
1-star App Store review of Wrapify, a car advertising company.
1-star Google Play review of Wrapify, a car advertising company.

See how Wrapify works here: 

Where can I sell my car for the most money?

Places where you can sell junk cars for cash

Other car advertising companies: 

These are some other car advertising companies that have raised concerns from drivers (or that have no reviews at all): 

1. Free Car Media

Free Car Media has a bare bones website and claims they are still in the process of growing and making new brand partnerships. They even warn potential drivers it may take several months before a compatible ad match can be made. 

We were not able to find any customer reviews for Free Car Media. 

Free Car Media driver requirements:

  • Clean driving record
  • Drivers can elect to opt out of a campaign if not satisfied 
  • Drivers manually track miles driven

Payout: Free Car Media claims rear window advertising pays $50+ per month, while full vehicle wraps pay up to $400 a month.

BBB rating: N/A

Trustpilot rating: N/A

App Store: N/A

Google Play: N/A

2. Stickr.co

Formerly called ReferralCars, Stickr.co isn’t like other car advertising companies. Rather than paying you based on the number of miles you drive, you only get paid when someone signs up for the advertised service with the referral number on your sticker, a perforated see-through advertisement placed in your back window (which you install yourself). 

People on Reddit are rightly suspicious of Stickr.co for several reasons: 

  1. Stickr.co charges a $10 monthly “deposit,” which they say you’ll get back once you take a picture of the advertisement on your car each month. 
  2. Some people claim they were only paid in restaurant coupons or gift cards
  3. People say they worked with Stickr for months with no payouts

Here’s what people on Reddit had to say: 

stickr.co is an mlm, don’t fall for it.
by inScams
Comment
byu/philbarnett14 from discussion
inpassive_income
Anyone tried stickr.co?
byu/VeganMinecraft inbeermoney

Payout: Stickr claims drivers can earn upwards of $2,300 in cash and gift cards each year, though based on customer reviews, this appears to be far from the truth. 

BBB rating: F

Trustpilot rating: 3.8 stars

App Store: N/A

Google Play: N/A

1-star Trustpilot review of Stickr.co, a car advertising company.
5-star Trustpilot review of Stickr.co, a car advertising company.
1-star Trustpilot review of Stickr.co, a car advertising company.

3. StickerRide

StickerRide is a 10-year-old company based in the United Kingdom that claims to also hire drivers in the United States. 

However, there are hundreds of reviews on Google Play that claim the app is impossible to log into because of a faulty verification process.

StickerRide driver requirements:

  • 18+ years old with a clean driving record
  • Drivers can only participate in one campaign at a time

Payout: StickerRide allows you to calculate your potential income on its app before starting the application process, though most users claim they were never able to successfully create an account. 

BBB rating: N/A

Trustpilot rating: N/A

App Store: N/A in the U.S. 

Google Play: 1.7 stars

1-star Google Play review of Stickr.co, a car advertising company.
1-star Google Play review of Sticker Ride, a car advertising company.

How to spot car wrap scams 

Car advertising is a legitimate venture if you’re willing to display ads on your vehicle. Unfortunately, scams are rampant1, so proceed with caution when selecting a vehicle advertising company.  

The Federal Trade Commission2 offers this advice to spot and avoid car wrap scams: 

  • Car wrap scammers often place ads on job boards, send email solicitations, and message people on social media.
  • Companies may offer to send you a large check, then ask you to deposit it and wire a portion of the check to another company that will wrap your car.

Legitimate car wrap advertising companies will only hire drivers who are at least 18 years old, with proof of a valid driver’s license and a good driving record. 

These Reddit users shared their experiences with car wrap scams: 

Car Wrap/Advertising Scams, Beware!
by inpersonalfinance
Posts from the scams
community on Reddit
Car wrap advertising scams on Reddit.

Other cons of car advertising

Car wrap advertising is a legit way to make money, but there are some risks involved: 

Potential damage to your vehicle

While companies claim the ads will do no damage to your car, some Reddit users claimed they had trouble fully removing their car wraps: 

Payouts from car wrap advertising on Reddit.

Insurance costs

Some insurance companies may require you to purchase commercial insurance for advertising on your car. 

According to insurance marketplace Insureon3, commercial car insurance typically costs more than personal car insurance. 

Risk of standing out

Some Reddit users warn that if your car is wrapped, you may be more susceptible to road rage incidents and being stopped for traffic violations, though there is no legitimate data to back up these claims:

Payouts from car wrap advertising on Reddit.

Consider making extra cash with car advertising

If you frequently use your car, either for long commutes to work or as part of your job as a ride-share or delivery driver, it might make sense to get paid for advertising on your car. 

However, it’s crucial to read driver reviews so you know you’re working with a legitimate company.

Check out these other ways to make money: 

Do you have old gold scrap collecting dust? Broken gold chains, bent gold bracelets, old dental fillings, solo earrings without a mate? Even beautiful gold jewelry is often considered scrap to a gold buyer, who will melt down most items and sell them to a refinery for profit.

With gold prices hovering around record prices of $5,600 per ounce in early 2026, now is an excellent time to sell any gold.

Common questions about scrap gold:

Table of contents

What is scrap gold?

Scrap gold is any piece of gold that is not used as anything else — not jewelry or a coin, for example. Also, any gold that isn’t or can’t be used in the way it was originally intended to be used (such as broken jewelry or old gold dental components) is considered scrap. 

Lower-end jewelry is also considered scrap gold when selling it because it will be melted down and resold as gold bullion — opposed to the necklace, ring setting, or bracelet it once was.

Meanwhile, a Tiffany gold bracelet or Cartier gold ring is more likely to be purchased for its resale value (because of the high demand of both brands).

How and where to sell scrap gold

You can sell scrap gold in a number of ways — both online and in person. This post offers a guide to selling gold, including understand what your gold is worth, and whether your gold is real or fake.

The good news is that there has always been a market for scrap gold. It is an investment that may decrease in value periodically, but always has value.

1. Scrap gold buyers online 

Our post on selling gold explains all the ways and popular online gold buyers, including:

  • American Bullion
  • APMEX
  • Goldco Precious Metals
  • Gold Geek
  • JM Bullion
  • Kitco
  • Liberty Gold and Silver
  • Luriya
  • Money Metals Exchange
  • SellYourGold.com
  • US Gold Buyers

Our number one recommended online gold buyer is CashforGoldUSA based on our deep review, Better Business Bureau A+ and Trustpilot reviews, and length of time in business. Our number one recommended online gold buyer is CashforGoldUSA based on a Better Business Bureau A+ and Trustpilot 4.8 stars with 2,377 reviews, and length of time in business.

2. Scrap gold buyers “near me” 

If you search for scrap gold buyers near you, you’ll find local businesses where you can physically bring your gold to sell. Pawn shops, local jewelers, and precious metal exchanges and “we buy gold” storefronts fall under this category.

It’s important to note that offers you get locally vs. online can vary drastically depending on your market and from business to business. If you aren’t pressed for cash or time, it’s always worth getting multiple offers.

ALWAYS, 100% of the time, negotiate with the buyer. This is a straight-forward transaction: the gold is worth what the buyer can resell it for plus their commission. Don’t be shy!

For people who are nervous about sending their scrap gold through the mail, the fact that they can bring their gold in person is a positive of using local scrap gold buyers.

There are many quality local gold buyers, and in our research, pawn brokers can offer competitive rates and friendly service — a product of being local businesses with deep roots in your community.

Search for “who buys scrap gold near me” or “where to sell scrap gold near me.”

Check Yelp and Google reviews, and ask for recommendations from your friends and neighbors.

3. Selling scrap gold independently

While it may take some more legwork on your end, you can also sell gold on your own to an independent buyer.

You can set your own asking price on Facebook Marketplace, ebay, or Craigslist, though you should take safety precautions meeting up with potential buyers. Meet somewhere public during the day, like a store or restaurant parking lot or even in front of a police station.

These are some scrap gold pieces currently listed on ebay and Facebook Marketplace as of February 2026 — bad phone pic and all:

Facebook marketplace gold scrap listing

Both ebay and Facebook Marketplace have ratings systems, so you may have difficulty selling if you don’t have much experience/feedback:

There is also a robust subreddit called r/Pmsforsale where 27,000 weekly visitors buy and sell precious metal bullion, scrap and coins — but not jewelry.

Redditors have the option to create one of three different types of posts:

  • WTS (want to sell)
  • WTB (want to buy)
  • WTT (want to trade)

Of course, there are precautions you should take selling on Reddit to avoid falling victim to scam. Redditors on r/Pmsforsale recommend the following safeguards:

1. Only sell or buy from users with at least 100 buy or sell transactions displayed on their profile. A bot autofills this information for the buyer/seller when the original poster types “Trade completed!” or “Trade complete!” on their post.

Post on r/Pmsforsale subreddit.

2. Use one of r/Pmsforsale’s designated “middlemen” to facilitate a sale. These are users appointed to help people with their transactions based on the length of time they’ve been posting and the number of successful transactions they’ve completed.

3. Check out r/Pmsforsale’s list of banned users (which they link to in the bottom right under their list of rules).

Needless to say, it is much easier to sell directly to a pawnshop, jeweler, online gold buyer than tp mess around with direct sales.

What is scrap gold worth?

Scrap gold is exactly that: gold. That means scrap gold is worth just as much as any other type of gold. The fact that it’s scrap makes absolutely no difference at all.

This can include broken or outdated jewelry, dental gold, electronic scrap.

Not sure how much your scrap gold is worth? Ultimately, it will depend on three things, which we explain below:

  • Weight
  • Gold content (purity)
  • Current spot price of gold

Weight

To know how much your gold is worth, you’ll need to find its weight. Gold is usually measured in either grams or ounces. You can invest in a small digital scale, or take your gold to a local jeweler or pawnshop to weigh it.

Gold content

Gold content is measured in karats. The higher the karat number, the more gold is in your scrap gold. Below is a list that shows the gold content you’ll find:

  • 24K: 99.9% gold
  • 22K: 91.7% gold
  • 18K: 75% gold
  • 14K: 58.3% gold
  • 12K: 50% gold
  • 10K: 41.7% gold
  • 9K: 37.5% gold

Definition of spot price of gold

The spot price of gold is the current price that gold sells for on the open market.

Gold prices hit a record high of $5,600 this month, with lots of headlines as precious metal prices are up and down on global economic news. Even on the dips, gold still remains at record highs.

To determine how much your scrap gold is worth, multiply its weight by its percentage of gold content, then multiply that number by the spot price of gold.

For example, imagine you have a scrap 18K gold necklace that weighs 5 grams. To determine how much it is worth, you would:

  • Multiply 5 grams by .75 (which equals 3.75)
  • Multiply 3.75 grams by the spot price of $158 per gram (February 3, 2026 spot gold price)

This shows that the gold content in your scrap gold necklace is worth about $553 on that date. 

Don’t forget to consider the buyer’s commission of 5% to 50%. Again: always negotiate! Don’t accept the first offer!

White vs yellow gold — what’s the difference in value?

How much does scrap gold sell for?

How much money you get for your scrap gold will ultimately depend on how you sell it. In any case, you are unlikely to get the full value of your gold, since the buyer needs to make a profit when they go to resell it.

That being said, you might expect to get between 25% and 75% of the spot gold value of your item.

Where can I find scrap gold?

These are some examples of scrap gold you may have on hand to sell:

  • Gold dental fillings, bridges and gold crowns
  • Broken jewelry
  • Antique china — you can chip off gold trim on these dishes
  • Gold plated silverware
  • Gold is found in electronic scrap like the processors and connectors in computers, circuit boards, tablets, and smartphones — though extracting this gold is complicated
  • Gold heat shields, gold reflectors, gold mirrors, gold optics
  • Gold solder
  • Raw gold found metal detecting

Not sure if what you have is real gold? Learn more about how to tell if gold is real.

Bottom line: Where is the best place to sell scrap gold?

If you need quick cash, a quality local pawnbroker or jewelry store is a good option for selling your gold. However, if you have a few days to spare, CashforGoldUSA promises fair prices based on a very strong online reputation, fast payment, secure shipping and price-match guarantee.

FAQ about scrap gold

What is scrap gold?

Scrap gold is any piece of gold that is not used as anything else — not jewelry or a coin, for example.

Who pays the most for scrap gold?

Typically, you’ll get the most money for your gold by selling it to a trusted online gold buyer. These buyers tend to pay out more for gold than other buyers (like pawn shops and local jewelry shops) because they don’t have the overhead of a physical store. Online gold buyers must also compete on a national level, not just a local level, which tends to drive up the amount they pay out to gold sellers.

What is scrap gold worth?

Scrap gold is exactly that: gold. That means that scrap gold is worth just as much as any other type of gold. The fact that it’s scrap makes absolutely no difference at all.

How much does scrap gold sell for?

How much money you get for your scrap gold will ultimately depend on how you sell it. In any case, you are unlikely to get the full value of your gold. (After all, the buyer needs to make a profit when they go to resell it in the future). Current prices are about $5,600 per ounce.

How do I sell scrap gold?

To sell scrap gold, you can use an online gold buyer, search for “scrap gold buyers near me,” or search for “sell scrap gold near me.”

Where can I find scrap gold?

Scrap gold that you may have on hand to sell includes: dental work, broken jewelry, flatware, and more.

Looking to earn money back on your in-store and online purchases? 

We put together a list of the best apps to scan receipts and the best-cash back apps to help you earn money on your regular purchases:

How receipt cash back apps work

8 best apps for cash back 

Some of the apps on this list, like Ibotta, can earn you hundreds of dollars a month if you use them often and strategically, while others simply aren’t worth the time for the little amount you get back. 

How receipt cash back apps work

These are some of the best cash-back apps to scan receipts for money.

Some cash-back apps allow you to scan physical receipts or upload digital receipts to earn money or gift cards on items you purchased. The apps will pay you based on what you bought.

While the types of eligible receipts vary from app to app, generally, you can scan receipts from:

  • Grocery stores
  • Clothing stores
  • Drugstores
  • Retailers like Amazon
  • Restaurants
  • Travel purchases

Other cash-back apps allow you to link your credit and debit cards to automatically earn rewards points or money back from purchases. In some cases, you’ll need to browse through offers and activate the ones you’re interested in before you shop.

Not all items will earn you the same amount of cash back — the amount can vary substantially based on the store where you’re shopping, the brands you’re purchasing, and other factors determined by the individual app. 

Many of the best cash-back apps also let you earn bonuses by taking surveys, referring friends, or scanning a certain number of receipts.

How do cash back apps pay you? 

In most cases, the payout you receive is referral money, paid to you via digital gift cards, Paypal, Venmo, or ACH deposit.

Cash-back apps work with retailers to get a commission for purchases made through their apps, and you get part of that commission. 

When you buy something through a cash-back app or extension, it’s a win-win-win — good for the retailer, good for the app, and good for you. 

8 best apps for cash back 

We compared some of the best cash-back apps. Here’s how they stack up: 

App nameApp costMinimum cash-out amountRatingSign-up bonusReferral bonusReceipt expiration
FetchFree$5-$504 stars2,000 points (about $2)2,000 points per referral2 weeks
IbottaFree$204.8 stars$10$10 per referralSeven days
ShopkickFree250 “kicks” (points) of $254 starsNone$1 per referral on up to 100 referrals10 days
ShopmiumFreeNone4.5 starsFree gift (not disclosed)£3 per referralSeven days
DoshFree$254.5 stars$1$10 per referralN/A
RakutenFree$5 (quarterly)4.8 stars$10 Rakuten or Walmart gift card $30 per referralN/A
Checkout 51Free$204 starsNoneNoneSeven days
CoupertFree $10 ($1 for first-time users)4.7 $10Earn $100 when 6 friends complete their first order.N/A

Fetch

A woman checking her phone while in the supermarket using one of the best cash-back apps to scan receipts for money.

Fetch (formerly known as Fetch Rewards) is a popular app to scan receipts. Download the app (available on iOS and Android devices) and sign up with your email address or by connecting your Facebook account. 

Once you sign up, you can start scanning receipts right away. You can earn a 750-point bonus for your first upload and a 500-point bonus for your second. 

Fetch accepts receipts from:

  • Grocery stores
  • Fast-food restaurants
  • Clothing retailers
  • Convenience stores
  • Drugstores
  • Big-box retailers
  • Department stores

Fetch does not accept medical or utility bills; movie, concert, or experience tickets; or airline tickets. 

How much you can earn: Each eligible receipt will get you a minimum of 25 points no matter which retailer it’s from, though Fetch does have some preferred vendors/brands that will earn you more points. Generally, 1,000 points equals $1 in rewards. Popular brands like Pepsi or Cheerios can earn you around 50 extra points. 

How to get paid: Submit receipts within 14 days of the transaction date to earn points. Fetch users can submit a maximum of 35 receipts over a 7-day period, and when you cash out, you can choose a digital gift card to stores like Amazon and Target. Your points expire after 90 days of inactivity (no new scanned receipts) within the app. As long as you continue to upload receipts, you can continue to accumulate points.

Pros of Fetch

  • Quick and simple to use 
  • Daily rewards available (you can spin once every 24 hours on the prize wheel for receipts you turn in)
  • Ability to scan e-receipts from big retailers like Amazon
  • Helpful customer support 

Cons of Fetch

  • Can take a long time to cash out for a gift card (minimum of 3,000 points/$3 to cash out)
  • No cash payments/direct deposit option
  • Must scan receipts within two weeks of transaction date 
  • Points expire after 90 days of inactivity within app 

What Fetch users have to say

  • Google Play: 4.7/5 stars; 845,000 reviews
  • Apple Store: 4.8/5 stars; 4.2 million reviews
  • BBB rating: B (not accredited) 

According to Fetch Rewards reviews, the app is easy to navigate, and customer support is responsive and helpful. Users appreciate the daily rewards and the ability to scan e-receipts from retailers like Amazon. 

However, reviewers also mention that it can take a long time to earn enough points to redeem them for a gift card.

5-star review of Fetch, an app to scan receipts.
1-star review of Fetch, an app to scan receipts.

Ibotta

A couple shopping. Ibotta is one of the best cash-back apps to scan receipts for money.

On Ibotta, you have to add store offers to your profile before you shop. The app allows you to search for product offers by retailer and add them to a virtual cart. Then, once you shop, you can scan your receipt and earn cash back for the offers you previously selected. Receipts must be scanned within seven days of purchase.

You can also shop online directly through the Ibotta app to earn rewards from retailers like Amazon.

If you have a loyalty card through a specific store, you can link your account through the Ibotta app and earn cash back automatically on the offers you selected when you scan your loyalty card at the time of purchase — no need to scan your receipt after purchase.

This video offers an in-depth tutorial on how to use Ibotta: 

How much you can earn: CNBC reports1 that the average active Ibotta user earns between $10 to $20 a month, and more active users earn as much as $100 to $300 a month.

How to get paid: Ibotta users can cash out via PayPal, Venmo, or digital gift card once they have at least $20 in earnings.

Pros of Ibotta

  • Free to use
  • More than 300 retailers
  • $10 welcome gift when you spend $30 through a linked online retailer
  • Earn money through referral program when friends sign up 
  • Earn more with bonuses (like when you scan a certain number of receipts)

Cons of Ibotta

  • App can be confusing/time-consuming
  • Most offers are name-brand specific
  • Must add offers before shopping
  • Must scan receipts within seven days of purchase 
  • App has ads
  • Cannot link e-receipts 

What Ibotta users have to say

  • Google Play: 4.5/5 stars
  • Apple Store: 4.8/5 stars
  • BBB Rating: B (not accredited) 

According to online reviews, you can earn more money through Ibotta by taking advantage of bonuses and using the referral program. 

Several reviewers claim they missed out on deals because of Ibotta’s name-brand specific offers. They also don’t like that you can’t link e-receipts — any online purchases must be made directly through the app. 

5-star review of Ibotta, an app to scan receipts.
2-star review of Ibotta, an app to scan receipts.

Shopkick

A couple shopping. Shopkick is one of the best cash-back apps to scan receipts for money.

Shopkick is a rebate app that was recently relaunched to replace Coupons.com, which was sold and shut down in summer 2023. With Shopkick, you receive points in the form of “kicks” for completing actions such as:

  • Walking into select partner stores
  • Scanning barcodes of select products with the in-app scanner
  • Watching online video ads
  • Referring friends to Shopkick
  • Purchasing select items (and submitting your receipt through the app)
  • Shopping at partner stores with a linked credit card

Learn more about how Shopkick works:

How much you can earn: Every 250 kicks earns you approximately $1. Once you have at least 500 kicks, they can be redeemed for gift cards from certain retailers.

Pros of Shopkick

  • Kicks don’t expire unless your account is inactive for six months
  • Wide variety of options to earn extra kicks
  • No limit to the number of kicks you can earn in a day

Cons of Shopkick

  • Online shopping must be done through a mobile device (not desktop)
  • IRL options can be limited depending on your location
  • Can only submit 20 receipts per week

What Shopkick users have to say

  • Google Play: 3.9/5 stars
  • Apple Store: 4.6/5 stars
  • BBB rating: A+ (accredited) 

Shopkick reviews say that while users appreciate the ability to earn points without buying anything, opportunities vary depending on your location, and it can be time-consuming to earn significant numbers of points.

5-star review of Shopkick, an app to scan receipts.
1-star review of Shopkick, an app to scan receipts.

Shopmium

A woman raising a card after paying online. Get the 7 best cash-back apps to scan receipts for money here.

Shopmium gives you exclusive cash back offers for your everyday purchases online and in-store. Tap through available offers to find one you like; then activate the offer. Purchase the item(s), upload a photo of your receipt to Shopmium, and earn cash via PayPal. Anything you earn is processed within 48 hours. 

How much you can earn: Shopmium states that users can enjoy over $50 of savings each week.

Pros of Shopmium

  • Free welcome gift
  • Offers include food, beverages, beauty products, pet supplies, etc.
  • Cash out within 48 hours
  • Get a bonus by referring a friend 
  • Try new items at a discount
  • Gold level includes extra bonuses like a free birthday gift
  • No minimum cashout amount 

Cons of Shopmium

  • Supermarket offers are limited
  • Customer service isn’t great 

What Shopmium users have to say

  • Google Play: 4.2/5 stars
  • Apple Store: 4.8/5 stars
  • BBB rating: A+ (not accredited) 

Shopmium reviews complain that the app’s customer service takes a long time to get back with you and is not very helpful. But reviewers do appreciate the fast payout and the new offers that appear every week. 

5-star review of Shopmium, an app to scan receipts.
2-star review of Shopmium, an app to scan receipts.

Dosh

A group of friends dining out. Dosh is one of the best cash-back apps to scan receipts for money.

Use the Dosh app to get cash back from any credit or debit cards you use for shopping, dining, and traveling with Dosh partners. After linking your cards, go about your normal shopping. The app will notify you when you get cash back. Dosh is simpler to use than other cash-back apps because you don’t need to manually activate each individual purchase. 

How much you can earn: Some retailers offer up to 10% back, and booking hotels through Dosh can get you up to 40% back. You’ll receive the money within 90 days and can withdraw the funds to your PayPal, Venmo, or bank account once you’ve earned at least $25.

Pros of Dosh

  • App has bank-level security (including 256-bit encryption and multi-factor authentication)
  • 100% passive cash back
  • $10 referral bonus

Cons of Dosh

  • Amazon purchases are not eligible for cash back
  • Takes up to 90 days to verify purchases
  • Dosh takes a maintenance fee ($4.99/month) from accounts inactive for more than 12 months

What Dosh users have to say

  • Google Play: 4.5/5 stars
  • Apple Store: 4.7/5 stars
  • BBB rating: A+ (not accredited) 

Dosh reviews say that Dosh is a secure, simple way to passively earn cash back on your normal purchases. The interface is easy to navigate, and you can earn a $10 bonus for each friend you refer to the app. 

However, users don’t like how long it takes to verify purchases.

5-star review of Dosh, an app to scan receipts.
5-star review of Dosh, an app to scan receipts.

Rakuten

A family going shopping. Rakuten is one of the best cash-back apps to scan receipts for money.

Rakuten is available as a mobile app but can also be installed as a web browser extension so you can shop from your computer. Link your credit or debit cards to your Rakuten account, choose from more than 2,500 stores, and activate available offers before shopping. 

Your cash back balance will show up in your Rakuten account within a few days and is automatically transferred to your PayPal account quarterly.

How much you can earn: While some retailers only offer 0.5% cash back, others offer up to 40% cash rebates.

Pros of Rakuten

  • Sign-up bonus ($10 Rakuten cash bonus or $10 Walmart gift card)
  • High cash-back rates
  • Military discount
  • Partners with thousands of stores
  • Referral rewards
  • Get paid via PayPal or check

Cons of Rakuten

  • Cash-back payments are only withdrawn quarterly
  • Must manually activate each offer
  • Some purchases are exempt from cash back

What Rakuten users have to say

  • Google Play: 3.9/5 stars
  • Apple Store: 4.8/5 stars
  • BBB rating: B (accredited) 

Reviewers praise Rakuten’s excellent customer service and higher-than-average cash-back rates. However, they don’t like that users are responsible for individually activating each offer and that cash-back payments are only paid out quarterly.

4-star review of Rakuten, an app to scan receipts.
2-star review of Rakuten, an app to scan receipts.

Checkout 51

A woman paying for gas. Checkout 51 is one of the best cash-back apps to scan receipts for money.

Checkout 51 is a cash-back app that can earn you rewards for grocery shopping, gas purchases, and online shopping from certain retailers and brands. 

Browse through a list of offers in the app, and choose which ones you’re interested in. After you go shopping and purchase the items, upload a photo of your receipt to get cash-back rebates. 

How much you can earn: You can earn up to a dollar back for certain items and cash out via PayPal or check once you reach $20.

Pros of Checkout 51

  • New offers every week
  • Cash back at gas stations
  • Most grocery offers aren’t store-specific
  • Maximize earnings by redeeming some offers multiple times
  • Double up with coupons
  • App available in both Canada and U.S.

Cons of Checkout 51

  • No sign-up bonus available
  • Offers are somewhat limited (or for name-brand products only)
  • Must add offers manually before shopping
  • Offers can “run out” if fully claimed
  • Must use current offers before next week’s new offers will populate

What Checkout 51 users have to say

  • Google Play: 4.2/5 stars 
  • Apple Store: 4/5 stars 
  • BBB Rating: F (not accredited) 

Checkout 51 users love earning up to $0.10/gallon back when they buy gas. Unlike other apps, Checkout 51 lets you redeem some offers up to five times! However, there is no sign-up bonus available, and offers may be limited.

4-star review of Rakuten, an app to scan receipts.
5-star review of Rakuten, an app to scan receipts.

Coupert

A husband and wife shopping online.

Coupert is one of the best tools for automatic coupons and cash back. Coupert is a free browser extension and mobile app that helps users save money automatically when shopping online. It applies the best available coupon codes at checkout and offers cashback at thousands of popular retailers, including Amazon, Macy’s, and Target.

How much you can earn: Cashback rates vary by retailer and promotion. Coupert states that active users save hundreds of dollars per year on average by combining automatic coupons with cashback rewards.

How to get paid: Cashback is tracked in your Coupert account and can be withdrawn via PayPal once you reach the minimum cash-out amount.

Pros of Coupert

  • Automatic coupon application and cashback opportunities at checkout
  • No receipt scanning or manual activation required
  • Works with over 200,000 online retailers
  • Price comparison and price history features
  • Free and easy to use

Cons of Coupert

  • Online shopping only
  • Cashback rates vary by store
  • Payout timing depends on merchant confirmation

What Coupert users have to say:

  • Trustpilot: 4.7
  • Chrome Webstore: 4.7
  • iOS App Store: 4.8
  • Google Play: 4.6
Coupert Trustpilot review from February 2026-1.
Coupert Trustpilot review from February 2026-2.

Which app pays the most for receipts?

Ibotta and Rakuten are two of the apps that pay the most money for receipts.

However, the amount you earn from any cash-back app can vary widely based on which offers are currently available, where you make a purchase, how much you spend, and whether you take advantage of bonuses.

Bottom line: Can you make money by scanning receipts?

Yes! While it likely won’t be a significant amount of money, you can absolutely earn some extra cash by scanning receipts.

Just be prepared to put in the work if you want a measurable payout — researching and activating offers, keeping up with purchases and receipts, and referring friends to get the maximum number of rewards. 

Wondering what is the best app to scan receipts and get money back? Out of the choices on this list, we recommend Dosh as the quickest and easiest way to get cash rewards.

Need extra cash right away? Check out 15 ways to get money instantly, or tackle this 52-week money challenge to maximize the funds you already have.

Here are some more ways to make money:

Which app pays the most for receipts?

Ibotta and Rakuten are two of the apps that pay the most money for receipts.

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