GTA Online - How to Earn Lots of Money in GTA Online and Buy a Yacht

GTA Online - How to Earn Lots of Money in GTA Online and Buy a Yacht

Tricks to help you earn money quickly become a millionaire in GTA Online, the online component of GTA 5.

Earning money in GTA Online has always been important, but never more so than after the Executives and Other Criminals update. Players now have the option to buy million dollar homes in Vinewood Hills, or even a yacht that can run them up to $9.5 million. It won’t be an easy road, but this GTA Online guide to earning money will help you to make loads of cash as quickly as possible in GTA Online.

For more on GTA Online, head on over to our GTA Online Guides Hub. Over there you’ll find info on GTA Online Heists and GTA Online Gunrunning.

How to Earn Money in GTA Online - Stealing and Selling Vehicles

If you’ve played GTA Online for long, you’ve received a text message from Simeon that gave you a list of cars he would like you to steal and deliver. Most of these vehicles are easy to find, but it’s important to find the one that’s going to bring you the biggest return. You’ll likely only get about $10,000 for the most expensive option, so be sure to research which vehicles are the most valuable before you go steal just any old piece of junk. Be sure to visit this handy little Google Doc that we found on Reddit, complete with images of all the cars and the prices that they can be sold for.

Of course, you can still steal cars that aren’t requested by Simeon and sell them at the Los Santos Customs shops around the state. You just have to be sure they aren’t equipped with a tracker. You can only do this once every 48 minutes (one in-game day), so you might as well steal and sell the most valuable car that you can. In this case, it’s the Lampadati Felon GT, which can be found on the beach near the Los Santos Customs in the south-west part of the state, near the airport. Once you steal it, take it to the nearest Los Santos Customs (about five feet away), and sell the vehicle for $9,500 if it’s undamaged. If you’re willing to grind this, you’re earning nearly $10,000 for every hour that you play online, and all that without even bothering to complete a job.

How to Earn Money in GTA Online - Repeat Easy Missions

Another tactic that you can try is to complete easy missions that are provided by some of the NPCs in the game. Take Gerald for example. Most of his missions can be completed by one player, and they usually don’t require a lot of fussing about. Just go to a location, kill some dudes and steal their drugs, and then bring the drugs back to Gerald. To get a job from Gerald, bring up his contact in your phone and you can request one.

What you want to keep in mind with GTA Online, however, is that you can actually earn more money if the mission takes you longer to complete. Some of Gerald’s missions will pay out over $20,000 if they take you more than 16 minutes. If you crank the difficulty to Hard and complete the mission in 4-6 minutes, you’ll still bring home $10,000. That’s the sweet spot right there, allowing players to bring in between $100,000 and $150,000 per hour. It goes without saying that using this method to earn $9.5 million would be the grind to end all grinds, but it’s not a bad way to earn some fast cash.

How to Earn Money in GTA Online - Complete the Five Heists

The cheapest yacht is $6 million, which you might be able to earn by the time GTA VI comes out.

GTA Online now includes five heists that players can take part in. These pay out considerably more money than a standard job, and require a full team of four players that are all working together and communicating. We’d recommend doing them even if you don’t need the money, but the payouts do help. The list below will give you the payout for each heist, but keep in mind that this has to be split up between you and your crew, so don’t expect to walk away with all the cash for yourself.

  • The Fleeca Job: (Easy) $57,500, (Normal) $115,000, (Hard) $143,750
  • The Prison Break: (Easy) $200,000, (Normal) $400,000, (Hard) $500,000
  • The Humane Labs Raid: (Easy) $270,000, (Normal) $540,000, (Hard) $675, 000
  • Series A Funding: (Easy) $202,000, (Normal) $404,000, (Hard) $505,000
  • The Pacific Standard Job: (Easy) $500,000, (Normal) $1,000,000, (Hard) $1,250,000

As you can see, the rewards get bigger as you up the difficulty, but expect to spend a lot of time on this. It’s also not as much money as you might think. Even completing the Pacific Standard Job on Normal is only going to pay you $250,000 per person if you split the money four ways. To make up for this, there are challenges you can complete to get extra cash, and the first time you complete each heist you’ll get an additional $100,000, meaning doing all five for the first time will get you a $500,000 bonus, or as we like to think of it, 1/19th of your yacht.

How to Earn Money in GTA Online - Buy In-Game Cash Cards

This one isn’t strategy, but for those with money to blow on random crap in GTA Online, it might be the fastest way for you to get your hands on that yacht. Visit the in-game store or marketplace through the menus, and then select a cash card that makes sense for you. We’re not going to list them all here, but $8 million of in-game currency will set you back about $100 of your real cash. What’s sad, is that if you buy the $8 million yacht and then customize it, you’re going to need about $9.5 million. Again, feel free to completely ignore this tip, since you’re paying more for in-game currency than you did for the original game.

In total, we expect that it will take you about 100 hours of in-game time to get the $10 million or so that you need for the yacht. We added an extra $500,000 due to the fact you’ll have to spend some on snacks, weapons and armor, and you can speed this up by simply buying a cheaper yacht. This calculation is also assuming that you’re earning $100,000 per hour, which is a nearly impossible pace to sustain. Getting a yacht is either going to take you a couple of months of heavy GTA Online time, or cost you $100 of your real money.

Elsewhere on USG we've got guides covering how to make the most out of the stock market, a full list of GTA 5 Cheats, and all the info you need on GTA Online Gunrunning.

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