If you have a Credit Karma Money Spend checking account and are looking for a cash advance app, you might wonder which apps work with a Credit Karma account. Unfortunately, Credit Karma doesn’t work with external cash advance apps at the moment. However, plenty of cash advance apps work with thousands of banks, credit unions and other financial institutions.
Even if you have a Credit Karma checking account, you can still take advantage of cash advance apps, but you’ll need to do a little research to see which one is the right fit. First, you’ll need an eligible bank account, most commonly a checking account. If you already have another account, that will probably work. Or, you may need to open a new checking account to qualify for cash advances. A great place to start is at a local branch bank or credit union in your area.
Many cash advance apps require your account to be open for at least 90 days, although some apps have more laid-back requirements. You may also need to have qualifying direct deposits from your employer, although some apps — like Cleo, Dave and Vola — don’t require direct deposit, making those a good option if you’re self-employed or work in the gig economy.
Most apps have minimum deposit requirements, though — some as low as $150 — so see which ones work for you. Other common requirements to qualify include:
Once your identity and bank activity are verified, you should be good to go. Advance amounts typically start low, and repayments are normally due on your next payday or when your next deposit drops. In most cases, there are no interest charges or late fees.
Compare loan amounts, fees and turnaround times to find the cash advance app that best fits your needs.
| 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 | Within 3 days or instant for a fee | |
| B9 | $30 to $500 | $9.99 or $19.99 | 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 | |
| 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 per month | Within 3 days or same day 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 monthly membership fe | Up to 3 business days or instant for a fee | |
| EarnIn | Up to $750 per pay period, but only $150 per day | No fee when you link your bank account | 1 to 3 business days or instant for a fee | |
| Empower | $10 to $300 | $8 per month | Same day or instant delivery available ($1 to $8 for instant transfer to external bank account) | |
| 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, no fees after eligible direct deposit, 26.99% interest charges | Instant from ATM or participating bank for $10 or 5%, whichever is greater | |
| Grid | Up to $200 | $10 a month | Within 8 hours for $2.99 or 1 to 3 days for free delivery | |
| Klover | Up to $200 | $3.99 a month | Within 3 days or within hours for a fee | |
| MoneyLion | Up to $500 or $1,000 with RoarMoney account | Free for basic membership, $1 to $1 to $5 for RoarMoney | 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, small fee applies | |
| 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 | Within 1 to 3 days or immediately to Payactiv card or for a fee | |
| Possible finance | Up to $500, except in California, where max loan amount $250 | No membership fee, but about $15 to $20 per $100 borrowed | As soon as same day | |
| SoLo Funds | $20 to $575 | No fees, but asks for (optional) tips and donations | As soon as same day, but instant transfers cost 1.75% | |
| Super.com | $20 to $200 | No fee, available for qualified consumers | Within 3 business days, instant with a small fee or Super Pay account | |
| Varo | Up to $500 | Free, available for qualified members | Instant turnaround, but fees up to $40 | |
| Vola | Up to $300 | Starting at $1.99 for advances from app or free requests via email | As soon as same day or instant with Vola card | |
| Wisely | Depends on wage and hours worked | No fee, available for qualified members | Instant to Wisely card |
If you want to stay with your Credit Karma account or don’t want to download yet another app, here are some alternative forms of quick funding.
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