In Animal Crossing New Horizons, you can build a house of your own and upgrade it multiple times until you have a living room, study room, bathroom, bedroom, basement, and a large room on the second floor. However, both the first construction of the house and subsequent extensions required loans from Tom Nook, and the amount of each loan was huge. If you don't pay off your current loan, you won't be able to move forward with your next expansion. So it’s important to know how to get ACNH Bells and pay off your house loan quickly.
 

Whack Rocks Everyday
On your island, a single rock can expel eight different materials every day. You will usually find stone, clay, or iron, but occasionally you will find gold. There is a technique to getting eight taps out of every pebble, though. Although it's a bit difficult to hit the same stone eight times, there is a way can help you do it. First you should make sure there are no other objects around the stone, then dig two holes behind you. This will prevent you from being pushed back by the stone and interrupting the tapping.

Hunt Fish and Bugs
You will see many different kinds of insects and fish on the island which can be sold for bells. You can make or buy fishing rods and insect nets from the store and then hunt fish and bugs to sell. Generally speaking, common insects and fish are worth 250-1000 bells. However, if you catch rare insects or fish, it even can be sold at the price of 10000 or 25000 bells. Although you can sell the insects and fish to Nook’s Cranny, you’d better save them to sell to Flick and CJ, who will give you 1.5 times more bells than Timmy and Tommy.

Dive for Pearls and Sea Creatures
You can buy a wetsuit at the self-service mileage vending machine, which allows you to breathe in the sea. Diving can bring you more money than fishing because all the sea creatures you might catch sell for more than bass. In addition, depending on the season your island is currently in, there will be rare marine creatures appearing in the sea, and their price may be as high as 15,000 bells. If you get the pearls, you can sell them to Nook's Cranny for 10,000 bells each, or you can make them into a mermaid DIY set and sell them for a higher price.

Invest In Turnips
Investing in Turnips is a bit like gambling, because you don’t know which day of the week it will sell for the highest price. After a week, your Turnips will rot, which means that the money you spend on buying Turnips is wasted, so investing in Turnips requires You always pay attention to the selling price of Turnips, and you have to get your money back before it is wasted. Every Sunday morning, Daisy Mae will come to your island and she will sell you 10 packs of Turnips for an average of 90 to 110 bells. The Nook's Cranny will offer two different prices every day. From Monday morning to Saturday afternoon, you have 12 opportunities to sell on your island or a friend's island. Once you find a price higher than what you bought, please don't hesitate, otherwise you may lose money.

The methods listed above can quickly obtain a large number of bells, but they all require you to spend time and energy. If you want to instantly get enough bells to repay your huge home loan, you can Buy Animal Crossing New Horizons Bells so that you can live on the island without any burden.