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8 Cash Advance Apps with No Credit Check

Most cash advance apps don’t do credit checks, but you may need to meet other requirements to qualify for cash advances.

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.

8 top cash advance apps with no credit check required

These cash advance apps don’t require a credit check but may require subscription fees and specific banking activity.

Cleo

Like Dave, Cleo cash advances do not require a credit check or direct deposit to qualify for an advance. This feature is nice for freelancers or gig workers who don’t have access to direct deposit.

Cleo doesn’t charge interest but has a $5.99 subscription fee and extends loans up to $250 for eligible users. Unlike many other apps, Cleo lets you choose your own repayment date, although it must be within 14 days of borrowing.

Chime SpotMe

Chime SpotMe isn’t a cash advance app, but it serves a similar purpose by allowing you to overdraft your Chime account by up to $200. If you make a purchase and your account balance is short, Chime makes up the difference and then deducts the amount from your next deposit.

Chime is free to use, and if you exceed your SpotMe limit, your purchase is declined. There is no fee for declined transactions. You’ll need direct deposits to qualify for Chime SpotMe, but there are no credit checks.

EarnIn

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.

Dave

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 right away, you can have the money deposited to an external debit card or your Dave Spending Account for a small fee. You can also have it transferred to a linked bank account within three business days for free.

Dave only costs $1 per month, and unlike most cash advance apps, it does not require users to have direct deposit to qualify for loans. Dave doesn’t charge interest or late fees, and tips are optional.

Brigit

Users can borrow up to $250 on the Brigit mobile app with no credit check needed, but only if you have direct deposit 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.

Albert

In addition to saving, budgeting and investment tools, Albert offers overdraft protection up to $250, which can apply to purchases, ATM withdrawals and qualified electronic transfers. Albert doesn’t require a credit check, but to access the overdraft (and some other services), you’ll need to upgrade to the Genius subscription at $14.99 a month. You can try out the Genius subscription for 30 days before you’re charged, which can give you time to decide if it’s worth the monthly fee.

MoneyLion

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’re eligible to borrow.

To unlock larger loan amounts (up to $1,000), you can open a RoarMoney account with recurring direct deposits for $1 per month. Keep in mind that each disbursement is limited to $100 at a time, regardless of your total Instacash borrowing limit.

Vola

Users can receive cash advances up to $300 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.

How do cash advance apps work?

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 usually 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.

Pros and cons of using cash advance apps with no credit check

Cash advance apps are convenient and typically cheap but have some drawbacks.

Pros

  • No credit checks. Most apps don’t require credit checks, but some still help you build credit.
  • Fast funding. If you don’t mind paying a small fee to expedite the transfer, you could have a loan in minutes.
  • Easy lending requirements. Typically, you only need regular deposits and frequent banking activity to qualify for a cash advance from a mobile app.
  • No interest charges. Most cash advance apps don’t charge interest or late fees.

Cons

  • Small loan amounts. With a few exceptions, cash advance apps typically only offer loan amounts up to a few hundred dollars.
  • May not be eligible. Not every user is eligible for cash advances.
  • Membership fees. Having to pay monthly subscription fees could be a deterrent to some users. However, not all apps have a subscription fee.
  • Fees for expedited transfers. If you need the funds immediately, most apps charge a small fee for instant transfers.

27 popular cash advance apps that don’t require a credit check

You don’t need a credit check to use any of the apps on this list. Compare them and find the right fit for you.

Cash advance appAdvance amountCostTurnaround time
Albert$25 to $250$14.99 per monthInstant
Beem$5 to $1000$2.47 to $12.97 per month, plus transfer feesWithin 3 days or instant for a fee
B9$30 to $500$9.99 or $19.99 per monthInstant
BranchUp to 50% of paycheck, up to $1,000No cost for 3-day option, $2.99 to $4.99 for instant depositWithin 3 business days, instant with delivery fee
Brigit$50 to $250$8.99 per month to use the app, free requested through email2 to 3 business days or instant with a Premium subscription or for a fee.
Cash App borrow$20 to $2005% feeSame day
Chime SpotMeUp to $200No cost, must be a Chime memberInstant
CleoUp to $250As low as $5.99 per month3 to 4 days or instant for a fee.
Credit GenieUp to $100$4.99 a monthWithin three days or instant for a fee
Current$50 to $500FreeWithin 3 business days, instant with delivery fee
DailyPayUp to 100% of earned wages, $1,000 daily limitNo fee, available for qualified consumersNext business day or instant with a DailyPay card or for a fee
DaveUp to $500UndisclosedUp to 3 business days or instant for a fee
EarnInUp to $750 per pay period, but only $150 per dayNo monthly subscription1 to 3 business days or instant for a fee
Empower$10 to $300$8 a monthNext day or instant to Empower Card or for a fee
FloatMe$10 to $100$3.99 per month1 to 3 business days or within 8 hours for a fee
Go2BankUp to $200$5 per month, but can be waived with qualifying deposits, 26.99% interest rate on advancesInstant from ATM or participating bank, but fees apply
GridUp to $200$10 per monthWithin 8 hours for $2.99 or 1 to 3 days for free delivery
KloverUp to $200$3.99Within 3 days or within hours for a fee
MoneyLionUp to $500 or $1,000 with RoarMoney accountNo feesUp to 5 days or instant for a fee of $0.49 to $8.99
ONE@WorkUp to 50% of earned wagesAvailable 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.
Payactiv$200 minimum per pay period or 50% of earned wages, whichever is greaterAvailable 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 financeUp to $500FreeReceive in minutes
SoLo Funds$20 to $575Preferred tip amountAs soon as same day or instant for a fee
Super.com$20 to $200$15 per monthWithin 3 business days or instant with a small fee or Super Pay account
VaroUp to $500Up to $40 for transfersInstant but charges a fee
VolaUp to $300Starting at $1.99As soon as same day or instant with Vola card
WiselyDetermined by eligibilityNo fee, available for qualified membersInstant to Wisely card

Alternatives to cash advance apps

  • Payday loans. A payday loan is often considered a last resort due to high rates and fees and the risk of falling into a debt cycle. However, loan amounts can be higher, and they’re typically easy to qualify for as long as you have a job.
  • Credit card cash advances. With a credit card, you can get a cash advance from a bank or ATM with no credit check or hassle, but interest rates are much higher than they are for regular credit card purchases.
  • Paycheck advances from employer. In a pinch, many businesses extend small loans to employees and then deduct the advance from your next paycheck or let you repay it in installments.
  • Payday alternative loans (PALs). Some credit unions offer small loans (typically up to $1,000) for existing members. These loans typically have better interest rates than some options, and repayment terms are longer.
  • Personal loans. You may want to consider a personal loan if you need a larger loan amount. Online lenders typically provide funding within a day or two and may have more competitive rates.

Bottom line

Cash advance apps can be an excellent 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.

Frequently asked questions

Can I get a cash advance app instantly?

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.

What if I’m only eligible for a small 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.

What if the app says I’m not eligible for a cash advance?

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.

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To make sure you get accurate and helpful information, this guide has been edited by Megan B. Shepherd as part of our fact-checking process.
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Writer

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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