The "Lohan's need money - nuke option" has been activated ... and is already in the can as it were ... TMZ reports Lindsay Lohan has just wrapped up a 4 day shoot with Playboy. And she's baring it all.

Lindsay Lohan didn't wuss out for her Playboy shoot -- TMZ has learned, the actress will BARE ALL in her upcoming spread ... i.e. the holy trifecta ... or as one source close to Playboy put it, "boobs, ass, and vag."

As we previously reported, Lindsay recently locked down a nearly-million-dollar deal with PB for a full pictorial -- and yesterday, she finally wrapped her 4-day shoot.

Well if this story came out 4 years ago it would have been much cooler.