Worried about getting fast cash due to your credit score? You may be able to use cash advance apps that provide a no-credit-check, low-cost alternative to more expensive solutions such as payday loans and credit card cash advances.
These cash advance apps don’t require a credit check but may require subscription fees and specific banking activity.
Cleo cash advances don’t require a credit check, unlike most short-term loans, and it’ll let you borrow up to $250. It also doesn’t require minimum recurring deposits like similar apps. This feature is nice for freelancers or gig workers who don’t take home consistent income.
Cleo won’t charge any interest or late fees, but it has a $5.99 subscription fee. Unlike many other apps, Cleo lets you choose your own repayment date, although it must be within 14 days of borrowing.
EarnIn is a free cash advance app that doesn’t charge interest or mandatory fees and doesn’t conduct a credit check. Eligible users can borrow up to $150 a day or up to $750 per pay period. The repayment is automatically deducted from your bank account as soon as your paycheck is deposited. While EarnIn has some of the largest advances among cash advance apps, not all users are eligible for the highest borrowing limits.
The Dave app advances up to $500 with no credit check required, and you’ll typically repay it on your next payday. To receive the funds faster, you can have the money deposited immediately to your Dave Checking account or within an hour to another debit card for a fee of up to $25. You can also have it transferred to a linked bank account within three business days for free.
Dave charges an undisclosed monthly fee, like many apps, but unlike most cash advance apps, it does not require users to have direct deposit to qualify for advances. Dave doesn’t charge interest or late fees, and tips are optional.
Users can borrow up to $250 on the Brigit mobile app with no credit check needed, but you’ll need to have direct deposits and one of its paid subscriptions, which range from $8.99 to $14.99. Like other cash advance apps, you’ll typically repay your Brigit advance on your next payday, but eligible users can request up to three extensions if they need more time.
In addition to saving, budgeting and investment tools, Albert offers cash advances — up to $250, which can apply to purchases. Albert doesn’t require a credit check, but to access the cash advance (and some other services), you’ll need the basic subscription at $11.99 a month. You can try out the subscription for 30 days before you’re charged, which gives you time to decide if it’s worth the monthly fee.
There is no credit check, monthly fees or interest charges to access up to $500 in Instacash advances from MoneyLion. Once your bank account is linked to MoneyLion, tap the Instacash button on your mobile app to find out how much you can borrow.
To unlock larger loan amounts of up to $1,000, you can open a RoarMoney account with recurring direct deposits. Keep in mind that each disbursement is limited to $100 at a time, regardless of your total Instacash borrowing limit.
Users can receive cash advances up to $500 from the Vola app with no credit check, interest charges or direct deposit required. Vola has a free version, but premium subscriptions start at $1.99 for the fastest and easiest access to cash advances.
Vola never charges for transfers, regardless of whether you have the funds sent to your bank account or Vola card, but the Vola card is the fastest method.
Cash advance apps are generally user-friendly. You download the app and link your external bank account. You’ll also need to provide some basic personal information and have your identity and bank account verified. You may also be required to have direct deposit to qualify for an advance, but in most cases there is no credit check.
Once the app provider determines you qualify for a cash advance, you can usually request as much as you want up to your approved borrowing limit. Borrowing limits are typically low at first but should increase with activity. In most cases, you’ll repay the loan on your next payday. Some apps let you choose a repayment date, which is normally within two weeks of when you take the advance.
Cash advance apps are convenient and typically cheap but have some drawbacks.
You won’t need a credit check to use any of the apps on this list. Compare important details to find one that fits your needs best.
| Cash advance app | Advance amount | Cost | Turnaround time | |
|---|---|---|---|---|
Albert | $25 to $250 | $11.99 per month | Instant | |
Beem | $5 to $1000 | $2.47 to $12.97 per month, plus transfer fees | Within 3 days or instant for a fee | |
B9 | $30 to $500 | $11.99 or $19.99 per month | Instant | |
Branch | Up to 50% of paycheck, up to $1,000 | Available to employees at a company that offers the app as a benefit. | Within 3 business days, instant with delivery fee | |
Brigit | $50 to $250 | $8.99 per month to use the app, free requested through email | 2 to 3 business days or instant with a Premium subscription or for a fee. | |
Cash App borrow | $20 to $200 | 5% fee | Same day | |
Cleo | Up to $250 | As low as $5.99 per month | 3 to 4 days or instant for a fee. | |
Credit Genie | Up to $100 | $4.99 a month | Within three days or instant for a fee | |
Current | $50 to $750 | Free | Get instant access to your paycheck in advance for a fee, or get it fee-free within 3 business days | |
DailyPay | Up to 100% of earned wages, $1,000 daily limit | No fee, available for qualified consumers | Next business day or instant with a DailyPay card or for a fee | |
Dave | Up to $500 | Undisclosed | Up to 3 business days or instant for a fee | |
EarnIn | Up to $150/day, with a max of $750 between paydays | No monthly subscription | 1 to 3 business days or within minutes for a fee starting at $2.99 per transfer | |
Empower | $10 to $300 | $8 a month | 2 to 5 days to linked bank account or Empower Card for free, instant to bank account for a fee | |
FloatMe | $10 to $50 | $3.99 per month | 1 to 3 business days or within 8 hours for a fee | |
Go2Bank | Up to $200 | $5 per month, but can be waived with qualifying deposits, 26.99% interest rate on advances | Instant from ATM or participating bank, but fees apply | |
Grid | Up to $200 | $10 per month | Within 8 hours for $2.99 or 1 to 3 days for free delivery | |
Klover | Up to $200 | $4.99 | Within 3 days or within hours for a fee | |
MoneyLion | Up to $500 or $1,000 with RoarMoney account | No fees | Up to 5 days or instant for a fee of $0.49 to $8.99 | |
ONE@Work | Up to 50% of earned wages | Available to members employed at a company that offers the app as a benefit. | Same day if employer has configured this benefit. If not, fee applies to pick up at Walmart or deposit to account. | |
OneBlinc | $50 to $250 | $8.99 | Within 2 business days or instant for a $4.99 fee | |
Payactiv | Up to 50% of earned wages per day | Available to members employed at a company that offers the app as a benefit. | Transfer in real time for a small fee. Other disbursement options and fees depend on employer. | |
Possible finance | Up to $500 | No monthly fee but charges $15 to $20 per $100 borrowed | Receive in minutes | |
SoLo Funds | $20 to $625 | Free, but a tip may increase your chances of funding/td> | As soon as same day or instant for a fee | |
Super.com | $20 to $250 | $15 per month | Within 3 business days or instant with a small fee or Super Pay account | |
Varo | Up to $500 | Up to $40 for transfers | Instant but charges a fee | |
Vola | Up to $500 | Starting at $1.99 | Within 5 hours or instant to Vola card | |
Wisely | Determined by eligibility | No fee, available for qualified members | Instant to Wisely card |
Cash advance apps can be a great convenience when you require a short-term loan and need the funds right away. And, while most cash advance apps don’t require a credit check to qualify, it’s always a good idea to check the fine print to be sure.
It’s also a smart move to consider multiple apps and compare subscription fees, eligibility requirements and fees for expedited transfers to find the one that makes the most sense for you.
Downloading cash advance apps can be done in minutes, and in some cases, you might even be eligible for an advance on the same day. But it could also take a day or two to verify your identity, deposits and other banking activity before you can request an advance.
Some cash advance apps start users at small loan amounts, like $10 or $20. However, as you continue to use the app and repay small advances, your borrowing limit should increase accordingly.
Unfortunately, not all borrowers are eligible for cash advances. For example, if the app requires direct deposit for paychecks — and you don’t have it — you may need to find an app that doesn’t require direct deposit. Another possibility is that you don’t meet minimum bank balance requirements or activity, which you can try to work on.
A review of Money App, a cash advance app that offers advances up to $250 with no mandatory fees.
Alternatives to apps like Money App, which may have higher advance amounts and other perks.
Six cash advance apps that don’t charge subscription fees and the total costs of other cash advance providers.
8 apps like Empower that may offer bigger advances and lower fees.
Cleo is a budgeting app offering cash advances up to $250.
Compare the 8 best cash advance apps for low fees, high limits and more.
Borrow up to $300 — but membership fees aren’t transparent.
Struggling before payday? See how Dave’s cash advances stack up and what to watch out for.
Unemployed and need to borrow money? You may qualify for one of these loans or cash advance apps.