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.
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 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 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 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.
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.
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.
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.
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.
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.
Cash advance apps are convenient and typically cheap but have some drawbacks.
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 app | Advance amount | Cost | Turnaround time | |
|---|---|---|---|---|
| Albert | $25 to $250 | $14.99 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 | $9.99 or $19.99 per month | Instant | |
| Branch | Up to 50% of paycheck, up to $1,000 | No cost for 3-day option, $2.99 to $4.99 for instant deposit | 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 | |
| Chime SpotMe | Up to $200 | No cost, must be a Chime member | Instant | |
| 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 $500 | Free | Within 3 business days, instant with delivery fee | |
| 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 $750 per pay period, but only $150 per day | No monthly subscription | 1 to 3 business days or instant for a fee | |
| Empower | $10 to $300 | $8 a month | Next day or instant to Empower Card or for a fee | |
| FloatMe | $10 to $100 | $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 | $3.99 | 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. | |
| Payactiv | $200 minimum per pay period or 50% of earned wages, whichever is greater | 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 | Free | Receive in minutes | |
| SoLo Funds | $20 to $575 | Preferred tip amount | As soon as same day or instant for a fee | |
| Super.com | $20 to $200 | $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 $300 | Starting at $1.99 | As soon as same day or instant with Vola card | |
| Wisely | Determined by eligibility | No fee, available for qualified members | Instant to Wisely card |
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.
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.
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