Cash advance apps help people access their earned income when needed. This allows for flexibility and peace of mind to meet obligations without waiting for payday.
There’s no shortage of cash advance apps on the market, but to use the apps, they’ll have to pair with Venmo. And, depending on which third-party app you’re using, you may have to watch for additional fees in the form of a fixed-dollar amount or a rate.
4 cash advance apps that work with Venmo
With more than 90 million users across the globe, Venmo has become a popular app for instant money transfers. Venmo reports that consumers are 19% more likely to use its service than traditional payment methods. If you’re one of the many who rely on Venmo and are in the market for a cash advance app, here are five of the top cash advance apps that pair with Venmo.
Albert is a cash advance app that seamlessly integrates with Venmo, allowing users to access quick funds of up to $250. The app offers a simple process where users can link their bank account, request the desired amount and receive the money within minutes. In addition to cash advances, Albert provides other personal finance features such as early direct deposit and opportunities to save and invest money.
Loan amount
$25 - $250
Turnaround time
Instant
Costs
$16.99 monthly subscription to access overdraft protection
Available in all states
Albert is a cash advance app that seamlessly integrates with Venmo, allowing users to access quick funds of up to $250. The app offers a simple process where users can link their bank account, request the desired amount and receive the money within minutes. In addition to cash advances, Albert provides other personal finance features such as early direct deposit and opportunities to save and invest money.
Pros
10 days to pay the overdraft
All-in-one app with investing and saving features
FDIC insured up to $250,000
Cons
No customer service number
Limits capped at $250
Bank account must have long transaction history
Active Genius subscription required
Loan amount
$25 to $250
Loan Term
Within 6 days of overdraft, with possible 7-day extension
Turnaround time
Instant
Loan amount
$25 - $250
Turnaround time
Instant
Costs
$16.99 monthly subscription to access overdraft protection
Dave is a well-known banking app that offers cash advances up to $500 with no interest charges or late fees. The app charges a Undisclosed monthly membership fee for its services. It also offers a full suite of credit-building services and automatic budgeting tools.
With Dave, you'll have your pick of two delivery speeds. Standard delivery is free but can take up to three days. However, users can get an instant advance for a fee of up to $15, depending on the amount of your advance.
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 with no interest charges or late fees. The app charges a Undisclosed monthly membership fee for its services. It also offers a full suite of credit-building services and automatic budgeting tools.
With Dave, you'll have your pick of two delivery speeds. Standard delivery is free but can take up to three days. However, users can get an instant advance for a fee of up to $15, depending on the amount of your advance.
MoneyLion's Instacash feature allows existing customers to access cash advances of up to $500 with no mandatory fees. However, the disbursement of advances may take up to five days, and they are distributed in increments of $100 max. Unlike some competitors, MoneyLion doesn't charge overdraft fees and provides the option to extend your repayment date, making it a convenient option for covering one-time emergency expenses.
Loan amount
$50 - $500
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
Costs
$19.99 monthly fee if you have a Plus membership
Available in: Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming
MoneyLion's Instacash feature allows existing customers to access cash advances of up to $500 with no mandatory fees. However, the disbursement of advances may take up to five days, and they are distributed in increments of $100 max. Unlike some competitors, MoneyLion doesn't charge overdraft fees and provides the option to extend your repayment date, making it a convenient option for covering one-time emergency expenses.
Pros
No overdraft fees
Option to extend repayment date
Cash advances up to $500, larger than some competitors
Cons
Funds can take up to 5 days unless you pay a fee
Your bank account must have a positive balance and be 2 months old
Need to pay Free (or $1 to $5 for RoarMoney account) a month to unlock $700 in InstaCash
Loan amount
Up to $500 or $1,000 with RoarMoney account
Loan Term
Due by your next pay date
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
Loan amount
$50 - $500
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
Klover is a cash advance app that offers up to $200 in advances based on bank account eligibility and participation in its points program. The points program involves completing tasks to earn points that can be converted into dollars for advances or to cover fees. However, Klover generates revenue by collecting aggregate user data that is shared with partners, which may raise privacy concerns for some users.
Loan amount
Up to $200
Turnaround time
Within 3 days or within hours for a fee
Costs
No fees for basic advance, $3.99 membership fee for financial management service, $2.99 to $12.29 express funding fee
Available in all states
Klover is a cash advance app that offers up to $200 in advances based on bank account eligibility and participation in its points program. The points program involves completing tasks to earn points that can be converted into dollars for advances or to cover fees. However, Klover generates revenue by collecting aggregate user data that is shared with partners, which may raise privacy concerns for some users.
Pros
No credit check
No membership fees
Turn rewards points into cash
Cons
Can only access up to $200
Need three consistent direct deposits from employer
May need to wait 6 weeks to get funds
APR
No interest
Loan amount
Up to $200
Loan Term
Until your next payday
Turnaround time
Within 3 days or within hours for a fee
Loan amount
Up to $200
Turnaround time
Within 3 days or within hours for a fee
Costs
No fees for basic advance, $3.99 membership fee for financial management service, $2.99 to $12.29 express funding fee
We evaluated various pay advance apps compatible with Venmo, comparing loan amounts, turnaround times, fees and eligibility.
Does my cash advance app work with Venmo
If you have a favorite app that didn’t make our list, it might still work with Venmo. Take a look at our table to see which cash advance, payday loan and installment loan apps will or won’t work with the app.
Venmo is a popular choice with peer-to-peer money transfers where you can receive cash advances through various apps. However, some competitors on the market, such as Cash App, offer similar features like the option to invest in stocks.
And, if privacy is a top concern, Venmo exposes your financial activity publicly if you don’t set your settings correctly. According to Popular Mechanics, 40% of users had shared sensitive information on the app at least once.
Pros and Cons of Venmo
Pros
Integrates with various apps
Lets you access cash advances through credit cards
Free option for teens
Has a payment card to access Venmo balance
Cons
Money transferred through the app to you isn’t FDIC-insured
Cash advances through certain methods result in fees
Alternatives to Cash Advance Apps for Venmo Customers
If you’d rather avoid cash advance apps altogether, here are some alternative options that may work for you instead:
Loans with no credit checks. While there are some no-credit-check loans available, make sure to review their interest rates and short repayment terms.
Peer-to-peer (P2P) loans. P2P lending platforms allow you to borrow money from individuals instead of traditional lenders, and they may offer more favorable terms than payday loans.
Local resources. Check your local government websites to see which agencies, nonprofits and charities can help with food, utilities and your rent.
These cash advance apps in partnership with Venmo aren’t your only options to secure funds ahead of payday. You can check out other cash advance apps or payday loan alternatives before you make a final call.
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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