Life is full of unexpected expenses, no matter how well we prepare. Having access to funds in an emergency can help bring your stress levels way down. That’s where a cash advance comes in.
At the same time, most cash advances come with hefty fees and strict repayment terms. If you do have to take advantage of this resource, you’ll often pay a steep price.
That’s not always the case with cash advance apps. In fact, these apps won’t subject you to the same fee structures and repayment terms most other cash advance opportunities do.
Many of them work with you to provide a valuable service if you’re ever in need. Plus, they can also help you stay on top of your finances by tracking your spending and setting up a budget.
These cash advance app developers know that it’s about much more than lending money; it’s providing a handy service when you need it. If you’re not sure what cash advance apps are right for you, though, you’ve come to the right place.
Our list of cash advance apps includes many with varying terms and conditions to fit your lifestyle. No matter what you need a cash advance for, these apps are here to save the day.
Are you ready to find out what the best cash advance apps are? Let’s get started.
12 Best Cash Advance Apps
The following cash advance apps are all available on the App Store and Google Play Store for download.
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Best for a mobile banking solution  |
Best for all-in-one financial app  |
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Current lets you access up to $500 cash instantly with no hidden fees or credit checks. |
Albert gives you up to $250 cash advance instantly, plus tools to save, budget, and invest—all in one app. |
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Best for a mobile banking solution
Current lets you access up to $500 cash instantly with no hidden fees or credit checks.
- Access up to $500 without fees or interest
- 100% free, no monthly fees at all
- Mobile banking app with variety of services
- Rewards program and convenient features
Best for all-in-one financial app
Albert gives you up to $250 cash advance instantly, plus tools to save, budget, and invest—all in one app.
- Cash advances up to $250
- All-in-one app, banking, budgeting, saving
- Free trial for 30 days, then $14.99/mo after
1. Current (Get up to $500)
Current is a financial technology company offering modern banking services through its mobile app. By signing up you can get paid up to two days early, with no minimum balances or hidden fees. Plus, there’s no credit check, so your credit report stays untouched.
With Paycheck Advance, you can access up to $500 from your next paycheck before it arrives. To qualify, just ensure you receive at least $500 in payroll deposits into a Current account or a linked external account.
We love that this feature doesn’t involve credit checks or affect your credit score and everything is 100% free without any fees.
Get up to $500
Current
5.0
- Get a paycheck advance of up to $500
- Get Paid Up to 2 Days Faster
- 40,000 fee-free Allpoint ATMs in the U.S.
- No minimum balance or hidden fees
2. Albert (Get up to $250)
Albert is a financial services app that helps users save, spend, borrow, and invest. It offers banking services and you can request up to $250 instantly without a credit check.
Albert offers most of its services for free, but its premium Genius service costs $14.99 per month or you can try it for 30-days free.
Get up to $250
Albert
4.8
- Get spotted up to $250 instantly
- Pay a small fee to get your money instantly or get cash within 2–3 days for free
- Costs $14.99 per month after a 30 day free-trial
3. Brigit (Get up to $250)
If you have a low balance in your checking account, Brigit will see that your balance isn’t enough for upcoming expenses and send you up to $250 to cover your expenses. You can save hundreds by avoiding overdraft fees with this app.
Download Brigit on either your iOS phone or Android device to have the chance at up to $250 in cash advance funds without a single credit check.
Plus, you won’t pay interest on your advance or any hidden fees. Check out Brigit to see what else the cash advance app can offer you.
Get up to $250
Brigit
4.0
- Tap to get an advance within seconds
- Get up to $250
- No credit check is required and no interest
- Pay it back without hidden fees or “tips”
4. Cleo (Get up to $250)
To access up to $250 in cash advance funds, you’ll need to subscribe to Cleo Plus. It will cost you $5.99 per month but you’ll have access to cashback rewards as well.
Cleo lets you choose your repayment timeframe, from three days to 28 days. Plus, your cash advance won’t affect your credit score.
If you don’t want to pay for access to a cash advance, the basic version provides free tools for managing your money.
These include a budgeting tool, a digital wallet, and a weekly quiz you can take to earn cash rewards. Cleo also lets you earn interest on your savings as well.
Get up to $250
Cleo
4.0
- Borrow up to $250 instantly with no credit check or interest
- Personalized tips on how you can save more
- Get help creating and sticking to a budget
- Costs $5.99 per month for Cleo Plus
5. Klover (Get up to $200)
You’ll need to have at least three consecutive direct deposits within the last two months, with no gaps in pay with the same employer, to qualify for a cash advance of up to $200 with Klover.
Though this app doesn’t offer a whole lot beyond the simple cash advance framework, it’s a powerful tool you can use to cash in on a cash advance.
6. MoneyLion (Get up to $250)
MoneyLion works with Instacash to get you up to $250 with no interest or associated fees.
You can apply for a MoneyLion account online, but you’ll have to link your checking account to qualify.
There’s no monthly fee with a MoneyLion account. You can get paid up to two days early with RoarMoney.
Plus, the platform offers several ways to borrow, invest, earn, and save. You’ll never complete a credit check either, keeping your score intact.
Get up to $250
7. Chime SpotMe (Get up to $200*)
Unlike some of the other cash advance apps on our list, Chime SpotMe lets you overdraft your account up to $200 without any overdraft fees.
That’s a great way to add a safety net each month, especially if you’re living close to within your means. Chime also works with several apps so you can take advantage of that flexibility wherever you go.
Chime SpotMe doesn’t charge any monthly fees or require a minimum opening balance. In addition, you can also get paid up to two days early when you set up direct deposit with Chime SpotMe.
Get up to $200*
Chime
5.0
- Experience fee-free overdraft up to $200* when you set up direct deposit with SpotMe.
- Let Chime spot you when you need that little extra cushion to cover an expense.
- Join the millions and make the switch today!
*SpotMe eligibility requirements apply. Overdraft only applies to debit card purchases and cash withdrawals. Limits start at $20 and may be increased up to $200 by Chime.
8. B9 (Get up to 100% of paycheck*)
Get an advance of up to $500 with B9. This company offers zero-fee cash advances up to 15 days in advance.
Plus, your money is FDIC-insured, which isn’t always common with cash advance apps. B9 also offers money transfer services and a Visa credit card you can use to earn up to 4% cashback.
B9’s target market includes those underserved and underbanked, who have access to cash advance options.
The basic B9 plan lets you borrow up to $300 instantly with no fees, but costs $9.99 per month. The Premium plan costs $19.99 per month but allows you to advance 100% of your paycheck if you’d like.
9. Branch (Get up to $500)
Branch is a free digital wallet and card that gives workers fast, flexible access to their earnings. You can advance up to $500 per paycheck with Branch.
This service includes a mobile wallet that allows you to manage your cash flow and spend it nearly anywhere.
As long as you have a direct deposit going to your Branch Wallet, you qualify for an advance.
10. Earnin (Get up to $500)
Unlike other cash advance apps on our list, Earnin does things differently. Rather than set a monthly subscription fee, they invite members to join and pay what they want to support the service. This includes paying them nothing!
Accessing cash advance funds is easy with Earning. The first step is to connect your bank account and notify Earnin where you work. Representatives will confirm the hours you’ve worked so that you can use them for a cash advance.
When payday comes, Earnin will debit your account for the amount you borrowed. You can get an advance of $100 each day from the pay you’ve already earned.
Earnin doesn’t charge any hidden fees or interest. There are no monthly subscription fees, penalties, or waiting to get your funds. Plus, you can get up to $500 of your paycheck per pay period if you like. If you connect a debit card to your Earnin account, you can eliminate the wait time as well.
11. Dave (Get up to $500)
Dave is a banking app that offers ExtraCash™ advances of up to $500 with no interest or late fees for as low as $1 per month.
It’s a reasonable choice for people who want to avoid overdraft fees. Dave offers automated budgeting tools to help you manage your finances better.
And for freelancers, this app also offers advice on finding side hustles so you can earn some extra money.
Over 7 million people use Dave on a daily basis to help them achieve their financial goals and you can do the same.
12. Empower (Get up to $250)
Download Empower to get up to $250 in cash advance funds. There’s no application to worry about. Empower doesn’t charge interest or late fees and they don’t check your credit either.
This can be helpful if you need a cash advance but don’t qualify for competitive rates because of your less-than-perfect credit score.
Empower also lets you set aside money automatically with AutoSave. The cash advance app offers a 14-day free trial, but after that, the monthly subscription costs $8.
Note that Empower, like many of the other cash advance apps on our list, will garnish your cash advance sum once you receive your next direct deposit.
How are Cash Advance Apps Different
Cash advances are sums of money taken from your pending paycheck to help you offset expenses. The most important characteristic of cash advances is that it’s your own money you’re borrowing, you just haven’t received it yet as the bank is still clearing the deposit. They can also be funds you borrow against your credit limit, albeit with a price.
Yes, cash advances do have caveats. If you initiate a cash advance through your credit card, you’ll pay higher APR fees than you would for traditional credit card balances. In addition, you may be subject to transaction fees and other charges along the way. The idea is that creditors are willing to lend you this type of emergency money, but not without paying the price.
Cash advance apps, on the other hand, provide a similar (if not better) service without all the unnecessary fees and repayment term restrictions. You’ll still have access to your funds (whether via paycheck or credit card) early, but you’ll pay zero interest in most cases. While these repayment terms last only so long in most cases, they can really help you get a leg up when you need it most.
In contrast to payday and personal loans, cash advance apps incorporate shorter repayment schedules into their fine print. In most cases, your repayment balance comes out of your direct deposit as soon as it hits your account. At the same time, some people may find this type of arrangement preferable to creditors who don’t care how much you rack up in expenditures. You’ll also receive your funds quickly, typically within 2-3 business days at most.
Pros
Here are some of the best features of cash advance apps:
- Receive the money you rightfully earned quickly
- Costs less in interest payments than payday loans
- Won’t negatively affect your credit score
- Zero-interest terms can help you pay back the advance without any interest
Cons
You should also consider the following if you’re contemplating using a cash advance app:
- It’s not a good idea financially to spend what you don’t have.
- Misuse of cash advances can exponentially increase your debt.
- It’s still possible to overdraft your account, even with a cash advance.
FAQs
The best cash advance apps are those that suit your needs. Features of the best cash advances include zero-interest terms, higher advance limits, and plenty of financial tools to get back on track.
Some cash advance apps offer interest-free loans, but these loans may come with other fees or a suggested tip. For example, some $100 loan instant apps such as Cash App charges interest of 5% of the borrowed amount, and must be paid back to the app within four weeks.
The best type of loan or advance for you will depend on your individual situation. However, you can expect lower interest rates and more flexible repayment terms with a cash advance, whereas personal and payday loans are more restrictive in their approach.
Get a Cash Advance on Your Paycheck
We hope you’ve found this article useful in finding out how you can take out a cash advance on an app without agreeing to high interest rates and long repayment terms. That’s why many individuals choose to download and use a cash advance app over payday and personal loans.
The best cash advance apps, however, are those that ensure they’re simply one part of the financial journey their members are on. They often provide financial resources members can take advantage of to get back on track and provide a brighter financial future for themselves. How will you use your new knowledge of cash advance apps to achieve your financial goals?