5 Best Instant Money Apps to Borrow Money

When unexpected expenses hit, waiting days for a loan isn’t an option. Whether it’s covering a bill, handling an emergency, or just needing a little extra until payday, instant money apps offer a quick and hassle-free solution. The best part? Many of these apps provide cash advances with no credit checks, minimal fees, and same-day transfers.

In this guide, we’ll explore the 5 best instant money apps that can get cash into your account fast—so you can handle life’s surprises without stress.

Best Instant Money Apps in 2025

1. Current

Current is a solid option if you need a paycheck advance without the hassle. You can get up to $750 with no credit check, no monthly fees, and no minimum balance requirements.

If you set up direct deposit with Current, you can even get your paycheck up to two days early—basically getting paid before some of your co-workers.

Getting started is simple: open a free account, go to the services tab, and select “Paycheck Advance” to see if you qualify. If approved, you can access the funds quickly.

Where to get it?

2. Albert

Albert is a great option if you need a little extra cash to make it to payday. You can get up to $250 with no credit check, no interest, and no hidden fees. If you have a paycheck and have repaid past advances, you can request up to three cash advances per pay period.

But Albert isn’t just about cash advances—it’s an all-in-one money app. You get a checking account with a debit card that earns cash back, a smart savings account that can automatically set money aside, and even investing options, whether you want to do it yourself or use their Robo-advisor.

One of its standout features is Genius, which lets you text with a certified financial expert anytime for just $6/month. Plus, you can try it free for 30 days when you sign up through this link.

Where to get it?

3. Cleo

Cleo is an AI-powered money assistant that helps you budget, save, and track your spending—all through a fun, chat-based app. You can ask Cleo anything from “What’s my balance?” to “Can I afford a coffee?”, and she’ll break it down instantly with personalized insights and easy-to-read charts.

She can also automate your savings by setting money aside from your spare change, create a budget for you, and help you stay on track.

If you upgrade to Cleo Plus ($5.99/month) or Cleo Builder ($15.99/month), you can get a cash advance of up to $250—interest-free and with no credit check—to help avoid overdrafts. And if you’re a gig worker, no worries—Cleo doesn’t require W2s or proof of employment.

Where to get it?

*First timers can usually qualify for $20 to $70 to start with. Once you pay it back you’ll unlock higher amounts up to $250.

4. MoneyLion

MoneyLion is a feature-packed money app that gives you 0% APR cash advances, low-interest personal loans, and tools to help you track spending and savings—all without hidden fees or overdraft charges.

With over 2 million members, MoneyLion makes it easy to manage your money. You can open a free MoneyLion Core account, get a sleek black debit card in about a week, and fund your account with an instant transfer. If you set up direct deposit of $250 or more, you unlock instant 0% APR cash advances to help cover shortfalls.

For even more perks, MoneyLion Plus offers a 5.99% APR credit-builder loan, $1 daily cashback, and other exclusive benefits.

If high-interest loans have held you back, MoneyLion can help you take control of your finances and start building savings.

Where to get it?

5. Brigit

Brigit is a simple, no-hassle app that gives you up to $250 instantly with no interest, no credit check, and no hidden fees—helping you avoid overdraft charges when your balance runs low.

If Brigit sees that your bank account doesn’t have enough for upcoming expenses, it will spot you up to $250 automatically so you’re covered. This can save you hundreds in overdraft fees over time.

Getting started is easy—just connect your bank account (Brigit works with 15,000+ banks, including Bank of America, Chase, Wells Fargo, and Navy Federal). No paperwork, no waiting—just quick cash when you need it.

Brigit is a great option if you tend to keep a low bank balance and want peace of mind knowing you won’t get hit with surprise fees.

Where to get it?

Best Instant Money Apps Can Help

If you need quick cash before payday, an instant money app can be a lifesaver—helping you cover expenses, avoid overdraft fees, and get paid faster.

This article covers the best cash advance apps for iOS and Android in 2025, including:

• Current – Get up to $750 with no credit check or fees.
• Albert – Access up to $250 with no interest and enjoy smart budgeting tools.
• Cleo – A chat-based money assistant offering cash advances up to $250, great for gig workers.
• MoneyLion – A feature-packed app with 0% APR cash advances and low-interest loans.
• Brigit – Instantly get up to $250 to prevent overdrafts, with no hidden fees.

These apps offer fast, hassle-free cash advances with no credit checks and low or no fees, making them a great alternative to payday loans. Download one today and get the cash you need, when you need it.