OneBlinc is a newer cash advance app that offers advances up to $250, with initial advances starting at $50 — higher than some providers allow for first-time borrowers. But it requires a subscription fee of $8.99 a month, some users have difficulty linking their bank accounts and its highest advance is on the low end. Check out our top picks for apps like OneBlinc that may have lower fees, larger advances or other useful financial tools.
Dave ExtraCash offers advances up to $500, which is double what you can get from OneBlinc. It also doesn't require you to get paid by direct deposit, making it more accessible for workers of all kinds. But Dave also charges a monthly subscription fee, and its fee for instant transfers can reach as high as $25.
Loan amount
Up to $500
Turnaround time
Up to 3 business days or instant for a fee
Costs
Undisclosed
Available in all states
Dave ExtraCash offers advances up to $500, which is double what you can get from OneBlinc. It also doesn't require you to get paid by direct deposit, making it more accessible for workers of all kinds. But Dave also charges a monthly subscription fee, and its fee for instant transfers can reach as high as $25.
EarnIn allows you to access advances based on the hours you've worked but haven't been paid for yet. You can get up to $150 per day and up to $750 per pay period. That's significantly more than you can get with OneBlinc, and it doesn't charge a monthly membership fee. But it doesn't disclose the fee for expedited transfers, and you have to upload your timesheets or otherwise verify your hours worked. Plus, advance amounts are dependent on your hourly wage and time worked.
Loan amount
Up to $750
Turnaround time
1 to 3 business days or instant for a fee
Costs
Free to use or instant with a fee as low as $3.99.
Not available in: Connecticut
EarnIn allows you to access advances based on the hours you've worked but haven't been paid for yet. You can get up to $150 per day and up to $750 per pay period. That's significantly more than you can get with OneBlinc, and it doesn't charge a monthly membership fee. But it doesn't disclose the fee for expedited transfers, and you have to upload your timesheets or otherwise verify your hours worked. Plus, advance amounts are dependent on your hourly wage and time worked.
Pros
Advances up to $750 per pay period
Up to $150 a day
No monthly subscription required
Cons
Must allow app to track your hours
Advance amounts depend on hours worked
Doesn't disclose instant transfer fees
APR
0%
Loan amount
Up to $750 per pay period, but only $150 per day
Loan Term
1 to 4 weeks
Turnaround time
1 to 3 business days or instant for a fee
Loan amount
Up to $750
Turnaround time
1 to 3 business days or instant for a fee
Costs
Free to use or instant with a fee as low as $3.99.
If you're looking to get more from your app than just advances, Albert offers a suite of financial tools to help you with your budgeting, savings and investing goals. Plus, it offers overdraft protection of up to $250, which is comparable to OneBlinc. But, unlike OneBlinc, advances are instant and free. However, you'll need the Albert Genius subscription and an Albert Cash account to qualify for advances, and the monthly fee is more expensive than Oneblinc.
Loan amount
$25 - $250
Turnaround time
Instant
Costs
$16.99 monthly subscription to access overdraft protection
Available in all states
If you're looking to get more from your app than just advances, Albert offers a suite of financial tools to help you with your budgeting, savings and investing goals. Plus, it offers overdraft protection of up to $250, which is comparable to OneBlinc. But, unlike OneBlinc, advances are instant and free. However, you'll need the Albert Genius subscription and an Albert Cash account to qualify for advances, and the monthly fee is more expensive than Oneblinc.
Pros
Has savings, budgeting and investing tools
Overdraft protection up to $250
Free instant advances
Cons
$16.99 monthly subscription fee
Requires a Genius subscription
Requires an Albert Cash account
Loan amount
$25 to $250
Loan Term
Within 6 days of overdraft, with possible 7-day extension
Turnaround time
Instant
Loan amount
$25 - $250
Turnaround time
Instant
Costs
$16.99 monthly subscription to access overdraft protection
Cleo's advance amounts are the same as OneBlinc, but it doesn't require direct deposit. This feature makes it easier for freelancers, gig workers and others who don't have direct deposit to access cash advances. But if you do have direct deposit, Cleo ups its advance amounts to $500 for eligible borrowers. And you can extend your due date if needed. But Cleo also requires a monthly subscription, and advance limits typically start out low.
Loan amount
$20 - $250
Turnaround time
3 to 4 days or instant for a fee.
Costs
$5.99 monthly membership fee to access cash advances
Available in all states
Cleo's advance amounts are the same as OneBlinc, but it doesn't require direct deposit. This feature makes it easier for freelancers, gig workers and others who don't have direct deposit to access cash advances. But if you do have direct deposit, Cleo ups its advance amounts to $500 for eligible borrowers. And you can extend your due date if needed. But Cleo also requires a monthly subscription, and advance limits typically start out low.
Pros
Direct deposit not required
Larger advances available with direct deposit
Allows a due date extension
Cons
Requires a monthly subscription
Instant transfers may be higher than OneBlinc
Advance limits start low for new users
APR
0%
Loan amount
Up to $250
Loan Term
Next deposit
Turnaround time
3 to 4 days or instant for a fee.
Loan amount
$20 - $250
Turnaround time
3 to 4 days or instant for a fee.
Costs
$5.99 monthly membership fee to access cash advances
Chime MyPay offers larger advances than OneBlinc, and it doesn't require a monthly subscription. The only fee Chime charges is $2 for instant transfers of any size, and it's the cash advance app that's closest to free we can find. But you'll need a Chime checking account to qualify and get paid by direct deposit, and it's not available in all states yet.
Loan amount
$20 - $500
Turnaround time
Within 24 hours or instant for a fee
Costs
No subscription fees
Available in all states
Chime MyPay offers larger advances than OneBlinc, and it doesn't require a monthly subscription. The only fee Chime charges is $2 for instant transfers of any size, and it's the cash advance app that's closest to free we can find. But you'll need a Chime checking account to qualify and get paid by direct deposit, and it's not available in all states yet.
Pros
No mandatory fees
Only $2 for instant transfers
Advances up to $500
Cons
Requires direct deposit
Need a Chime checking account
Not available in all states
Loan amount
Up to $500
Loan Term
Until next deposit
Turnaround time
Within 24 hours or instant for a fee
Loan amount
$20 - $500
Turnaround time
Within 24 hours or instant for a fee
Costs
No subscription fees
How does OneBlinc compare?
OneBlinc offers advances up to $250, which is on the lower end for cash apps. But its advances start at $50, which is more than some providers allow for new users. Like most other apps, it doesn’t charge interest or late fees or require a credit check. However, it requires a monthly subscription, and some users say they’ve had trouble connecting the app to their bank.
Pros
Higher initial advances than some
Offers a free 30-day trial
No interest, late fees or credit check
Cons
Requires a monthly subscription
Highest advance is only $250
Some users report issues with the app
Alternatives to cash advance apps
If you can’t find a cash advance app that fits your needs, consider these alternatives.
Personal loan. You may want to consider a personal loan if you have a decent credit score and need to borrow more than cash advance apps offer.
Credit card cash advance. Rates are even higher when you take out an advance on a credit card, but it’s a fast and convenient way to access cash in an emergency.
Payday alternative loan (PAL). Some federal credit unions offer small loans with competitive rates and terms to members in good standing. Other small banks and credit unions also may offer similar loans to customers.
Buy now, pay later (BNPL). While BNPL payment plans can’t help if you need cash, they allow you to make larger purchases and pay for them in installments. Plus, these plans usually offer interest-free financing.
Payday advance from your employer. Some employers might spot you a loan and take it out of your next paycheck if you need it.
Lacey Stark is a freelance personal finance writer for Finder, specializing
in banking, loans, investing, estate planning, and more. She has 20
years of experience writing and editing for magazines, newspapers, and
online publications. A word nerd from childhood, Lacey officially got her
start reporting on live sporting events and moved on to cover topics
such as construction, technology, and travel before finding her niche in
personal finance. Originally from New England, she received her
bachelor’s degree from the University of Denver and completed a
postgraduate journalism program at Metropolitan State University also
in Denver. She currently lives in Chicagoland with her dog Chunk and
likes to read and play golf. See full bio
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