The correct answer is D. no article.
The word “money” is a non-count noun, which means it does not have a plural form and does not take a determiner (such as “a”, “an”, or “the”).
In this sentence, “money” is the object of the preposition “in need of”. The preposition “in need of” requires a non-count noun as its object.
Here are some other examples of non-count nouns:
- water
- air
- love
- happiness
- information
Note that some non-count nouns can be used with a determiner when they are used in a specific sense. For example, we can say “I need a new car” or “I need the money to pay my rent”. In these cases, the determiner is used to indicate that we are talking about a specific car or a specific amount of money.