According to Netspend, 95% of employees are interested in working for an employer that provides earned wage access. Netspend offers employees a way to access a portion of their earned cash ahead of schedule. However, not all apps and employers are compatible with Netspend. Here are some that are.
EarnIn is a cash advance app that lets you borrow up to $750 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps and unlike payday loans, there's no interest or financing fees to use Cash Outs.
To qualify for EarnIn Cash Outs, you need to be employed, have regular direct deposits and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account. Regular transfers are available in one to three business days or in minutes 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.
Not available in: Connecticut
EarnIn is a cash advance app that lets you borrow up to $750 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps and unlike payday loans, there's no interest or financing fees to use Cash Outs.
To qualify for EarnIn Cash Outs, you need to be employed, have regular direct deposits and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account. Regular transfers are available in one to three business days or in minutes for a fee.
Pros
No credit check required
No mandatory fees, interest or tipping
Free credit score tracking included
Cons
Verification of employment earnings required
Same-day (Lightning) transfers attract a fee
Can only qualify with employment income
Not ideal for gig workers
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.
Cash App Borrow enables select users to instantly borrow $20 to $200 with just a few taps on the app. However, you'll be on the hook for a 5% monthly fee to use the service, and you'll have four weeks to pay it back. Timely payments are a must with the program, with late fees at 1.25% per week until your loan is repaid.
Loan amount
$20 - $200
Turnaround time
Same day
Costs
5% flat fee
Available in all states
Cash App Borrow enables select users to instantly borrow $20 to $200 with just a few taps on the app. However, you'll be on the hook for a 5% monthly fee to use the service, and you'll have four weeks to pay it back. Timely payments are a must with the program, with late fees at 1.25% per week until your loan is repaid.
Pros
Automatic repayments
Easy to access built-in functionality
Cons
Only available to select users
Maximum $200 withdrawal
After 90 days of nonpayment, any funds within account will be applied toward outstanding balance
Dave is a well-known banking app that offers cash advances up to $500, in addition to credit-building services and automatic budgeting tools. The app charges a Undisclosed monthly membership fee for its services and a small fee for “Express” funding, which allows users to receive their advance in less than eight hours. Unlike some of its rivals, Dave is recognized for waiving overdraft fees for its customers and providing various features, including overdraft warnings and budgeting tools. You can connect your Netspend account in the Dave app.
Loan amount
Up to $500
Turnaround time
Up to 3 business days or instant for a fee
Costs
Undisclosed
Available in all states
Dave is a well-known banking app that offers cash advances up to $500, in addition to credit-building services and automatic budgeting tools. The app charges a Undisclosed monthly membership fee for its services and a small fee for “Express” funding, which allows users to receive their advance in less than eight hours. Unlike some of its rivals, Dave is recognized for waiving overdraft fees for its customers and providing various features, including overdraft warnings and budgeting tools. You can connect your Netspend account in the Dave app.
Pros
Two delivery speeds
No fees or interest for basic plan
Side hustle extra cash feature
Cons
Fees may range from $3 to $15 for immediate transfer
Netspend partners with DailyPay to bolster financial security for its clients, offering direct access to earned wages. Netspend users can access a portion of their earned wages before payday by downloading the Netspend Earned Wage Access App, creating a login and selecting the name of their employer. You can transfer funds up to five times daily with a $1,000 limit per day.
Loan amount
Up to 100% of earned wages, $1,000 daily limit
Turnaround time
Next business day or instant with a DailyPay card or for a fee
Costs
No fee, available for qualified consumers
Available in all states
Netspend partners with DailyPay to bolster financial security for its clients, offering direct access to earned wages. Netspend users can access a portion of their earned wages before payday by downloading the Netspend Earned Wage Access App, creating a login and selecting the name of their employer. You can transfer funds up to five times daily with a $1,000 limit per day.
Pros
Can access wages 24/7 and 365 days of the year
Up to $1,000 per day limit
Can access up to 100% of earned wages
Cons
Can only access if employer has partnership with DailyPay
Poor customer service rating
Not supported by all US banks
Loan amount
Up to 100% of earned wages, $1,000 daily limit
Loan Term
Not stated
Turnaround time
Next business day or instant with a DailyPay card or for a fee
Loan amount
Up to 100% of earned wages, $1,000 daily limit
Turnaround time
Next business day or instant with a DailyPay card or for a fee
We evaluated various pay advance apps compatible with Netspend, comparing loan amounts, turnaround times, fees and eligibility.
Does my cash advance app work with Netspend
If you have a favorite app that didn’t make our list, it might still work with Netspend. Browse our table to see which cash advance, payday loan and installment loan apps will or won’t work with the app.
Netspend is a well-established company that handles millions of dollars in deposits and provides financial management tips. However, it’s important to note that The Federal Trade Commission (FTC) has raised concerns about deceptive claims made by Netspend regarding immediate access to funds and other representations, which allegedly led to severe financial hardship for some consumers.
It is important to weigh the FTC’s allegations against your own needs and experiences when deciding to use Netspend’s services.
Pros and Cons of Netspend
Pros
Has partnerships to allow employees to access wages early
No credit check
No activation fee
No minimum balances required
Cons
Few compatible third-party apps compared to competitors
Your employer has to be partnered with Netspend
Alternatives to Cash Advance Apps for Netspend customers
While Netspend allows employees to access financial wellness information, get 24/7 support in some cases and access wages early. However, it may not be compatible if your employer isn’t partnered with Netspend.
Here are some alternatives that may work for you instead:
Local resources. If you need financial assistance, check your local government to see which programs they offer to help you cover food, utilities and rent during difficult times.
Financial counseling. Sometimes, you may want to seek a third-party financial counselor to help create a sustainable budget that supports your basic needs and lifestyle. An outside eye may help you find opportunities for better spending and long-term financial success.
Credit union or bank loans. You can consider having a membership in your local credit union or bank to meet short-term funding needs. These institutions, especially credit unions, usually offer lower interest rates than cash advance apps.
These cash advance apps in partnership with Netspend aren’t your only options for getting funds ahead of payday. You can check out other cash advance apps or payday loan alternatives before you decide.
Dhara Singh was a freelance personal finance writer at Finder specializing in loans. Formerly she was a top 10 journalist at Yahoo Finance with more than 38+ million content views where she covered retirement and mortgages. She has also written for Bankrate, and CNET and continues to write for a variety of outlets, such as Investopedia and Worth magazine. Her articles focus on equipping readers with the right information and data so they can make the most informed decisions related to their finances.
Dhara previously worked as an insights analyst for Finder’s PR team, where she started the Deadliest Cities to Drive series in 2018, connecting interesting data analysis to a suite of car insurance products. When she’s not writing, Dhara coaches small business owners through her Stories to Sales programs and empowers them to use their life experiences to help other people. She has also self-published a poetry book on Amazon called Tell her She’s Lovely.
Dhara holds a B.S. in Finance and Supply Chain Management from Rutgers University and a M.S. in Journalism from Columbia University. See full bio
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