Wisely is a popular prepaid debit card that many employers use as a convenient way to pay their employees without using traditional banks. Though Wisely allows users to get their pay up to two days early, sometimes that’s not enough to bridge the gap between paydays. That’s where cash advance apps come in.
Cash advance apps allow users to borrow small amounts of money with no credit check required and pay it back on their next payday. For Wisely users who need this type of financial flexibility, it can be hard to know which cash advance apps work with their card.
We’ll look at some of the best cash advance apps that work with Wisely to help you pick the right option for your financial needs.
5 top cash advance apps that work with Wisely
Finding the right cash advance app that works with your Wisely card is important — so we’ve done the work for you. Check out these top apps that help you manage your money and get cash when you need it.
Albert is an app that offers more than just cash advances; it includes financial management tools such as budgeting, saving and investing through its “Genius” subscription service. Users can access up to $250 in cash advances with no interest, and no credit check is required. Albert also provides insights into improving your overall financial health.
Loan amount
$25 - $250
Turnaround time
Instant
Costs
$14.99 monthly subscription to access overdraft protection
Available in all states
Albert is an app that offers more than just cash advances; it includes financial management tools such as budgeting, saving and investing through its “Genius” subscription service. Users can access up to $250 in cash advances with no interest, and no credit check is required. Albert also provides insights into improving your overall financial health.
Pros
No interest or fees for advances
Comprehensive financial tools
No credit check required
Cons
Requires a $14.99 monthly subscription to access full features
Cash advances are limited to $250
Poor customer service according to complaints
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
$14.99 monthly subscription to access overdraft protection
Brigit is a cash advance app designed to prevent overdraft fees by providing small, short-term loans to cover expenses. You can get up to $250 without any interest or hidden fees. The app monitors your spending patterns and automatically deposits funds when it detects you're running low. Brigit also offers financial insights to help improve your budgeting.
Loan amount
$50 - $250
Turnaround time
2 to 3 business days or instant with a Premium subscription or for a fee.
Brigit is a cash advance app designed to prevent overdraft fees by providing small, short-term loans to cover expenses. You can get up to $250 without any interest or hidden fees. The app monitors your spending patterns and automatically deposits funds when it detects you're running low. Brigit also offers financial insights to help improve your budgeting.
Pros
Due date can be extended three times
No interest or hidden fees
Automatically prevents overdrafts
Cons
Requires a $14.99 monthly subscription for premium features
Fee for instant access to cash
Limited to $250 cash advances
Loan amount
$50 to $250
Loan Term
Until your next payday, but can extend
Turnaround time
2 to 3 business days or instant with a Premium subscription or for a fee.
Loan amount
$50 - $250
Turnaround time
2 to 3 business days or instant with a Premium subscription or for a fee.
Cleo is an AI-powered budgeting app that also offers small, flexible cash advances. With Cleo, you can borrow up to $250 with no interest or credit check. One of its standout features is the ability to take out a loan just 24 hours after repaying another one. You can also choose your own repayment date instead of automatically having it withdrawn on your next payday.
Loan amount
$20 - $250
Turnaround time
3 to 4 days or instant for a fee.
Costs
$5.99 monthly membership fee to access cash advances
Available in all states
Cleo is an AI-powered budgeting app that also offers small, flexible cash advances. With Cleo, you can borrow up to $250 with no interest or credit check. One of its standout features is the ability to take out a loan just 24 hours after repaying another one. You can also choose your own repayment date instead of automatically having it withdrawn on your next payday.
Pros
No interest or credit check
Only a 24-hour waiting period between loans
Ability to extend repayment
Cons
Limited cash advance amounts
Subscription required to access advances
No direct customer service support
Loan amount
Up to $250
Loan Term
Next deposit
Turnaround time
3 to 4 days or instant for a fee.
Loan amount
$20 - $250
Turnaround time
3 to 4 days or instant for a fee.
Costs
$5.99 monthly membership fee to access cash advances
Dave is a popular cash advance app offering up to $500 with no interest or credit checks. It's ideal for users who need to bridge the gap between paychecks and avoid overdraft fees. Dave also provides financial insights and budgeting tools to help users better manage their money.
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 popular cash advance app offering up to $500 with no interest or credit checks. It's ideal for users who need to bridge the gap between paychecks and avoid overdraft fees. Dave also provides financial insights and budgeting tools to help users better manage their money.
Pros
No interest charged
No credit check required
Higher loan amount than some competitors
Cons
Subscription required
Instant funds require a fee
Fee charged to transfer advance to outside account
Beem is a cash advance app designed to provide small, flexible loans to help users cover short-term expenses. It offers a wider loan range than most cash advance apps, allowing users to borrow anywhere from $5 to $1,000. The app operates on a subscription model, with plans ranging from $9.99 to $99.99 per year based on loan size and features offered.
Loan amount
$5 - $1,000
Turnaround time
Within 3 days or instant for a fee of $2 to $4
Costs
$0.99 to $12.97 per month
Beem is a cash advance app designed to provide small, flexible loans to help users cover short-term expenses. It offers a wider loan range than most cash advance apps, allowing users to borrow anywhere from $5 to $1,000. The app operates on a subscription model, with plans ranging from $9.99 to $99.99 per year based on loan size and features offered.
Pros
Flexible loan amounts from $5 to $1,000
Instant transfers available for a small fee
Personalized financial advice
Cons
Subscription fee required
No flexibility on repayment terms
Low ratings on Trustpilot
Loan amount
$5 to $1,000
Loan Term
Until your next deposit.
Turnaround time
Within 3 days or instant for a fee of $2 to $4
Loan amount
$5 - $1,000
Turnaround time
Within 3 days or instant for a fee of $2 to $4
Costs
$0.99 to $12.97 per month
How we chose these providers
This list was compiled by finding cash advance apps that work with Wisely and comparing their product details — such as loan amounts, turnaround times, fees, repayment flexibility, and other key features — to find the best options.
Does my cash advance app work with Wisely?
As a prepaid debit card, Wisely can be linked to a wide range of cash advance apps. Want to know if yours is compatible? Check out our chart below:
Cash advance app
Works with Wisely?
Albert
Yes
B9
No
Beem
Yes
Branch
Yes
Brigit
Yes
Cash App borrow
Yes
Chime
Yes
Cleo
Yes
Credit Genie
No
Current
Yes
DailyPay
Yes
Dave
Yes
EarnIn
No
Empower
Yes
Empower finance
Yes
FloatMe
No
Go2Bank
No
Grid
No
Klover
Yes
MoneyLion
Yes
ONE@Work
Yes
Payactiv
Yes
Possible finance
No
SoLo Funds
No
Super.com
No
Varo
Yes
Vola
No
Wisely
Yes
Should I stick with Wisely?
Wisely is a prepaid card and app that allows users to manage their money while avoiding many of the fees typically charged by traditional banks. It also offers users access to cash at no extra fee through in-network ATMs plus cashback rewards on purchases from American Eagle, Adidas, Lyft, Sam’s Club and more.
Wisely is a great option if your employer uses it to pay your wages. Your pay is automatically sent to your Wisely card, which can be used anywhere Visa or Mastercard debit cards are accepted. You can then set a budget and track your spending on the Wisely app to help you stay on top of your finances, avoid overspending and achieve your financial goals Plus, Wisely offers you the option to receive your wages up to two days early at no additional charge if you need cash before payday.
Wisely is also a good choice for people who can’t (or don’t want to) open an account with a traditional bank or credit union. For example, those with poor credit, previous banking issues or a lack of documentation may find it challenging to qualify for a traditional account. Wisely offers an accessible alternative with no credit check or minimum balance required.
However, there are a few drawbacks. Because Wisely is a prepaid debit card, it doesn’t offer all the features of a traditional bank account. For example, you can’t write checks or earn interest in a savings account. You should also look for another option if you don’t plan to use the card often since Wisely charges a $4 monthly fee after 90 days of inactivity.
Alternatives to cash advance apps for Wisely customers
Cash advance apps seem like an easy way to get money when you need it, but they may not be the best choice. Here are a few alternatives to consider:
Personal loans. Personal loans offer higher loan amounts and longer repayment terms than cash advance apps, but they can be harder to qualify for.
Borrow from friends or family. Borrowing from family or friends is a great option if you want to avoid formal lenders, but be sure to pay them back, or you could risk ruining the relationship.
No credit check loans. No credit check loans are a great option if you have poor or no credit history, but beware of high interest rates and fees.
Bottom line
Finding the right cash advance app to work with your Wisely card can make it easier to manage your finances and cover gaps between paychecks. In addition to offering cash advances, apps like Albert, Brigit and Dave offer a wide range of tools to help improve your financial health.
But keep in mind that monthly subscription fees and instant transfer fees can add up. To learn more about cash advance apps and compare a wider range of options, check out our guide to cash advance apps.
Frequently asked questions
Does Wisely offer its own cash advance services?
No, Wisely doesn’t offer a cash advance feature, though it does allow users to receive their paychecks up to two days early.
Is there a fee to transfer funds from a cash advance app to my Wisely card?
It depends on which cash advance app you’re using. Some may charge a fee to transfer funds to your Wisely card, while others provide the service for free.
Can I link multiple cash advance apps to my Wisely card?
Yes, you can link your Wisely card to multiple cash advance apps as long as they’re compatible.
What should I do if a cash advance app won’t connect to my Wisely card?
If you’re having trouble connecting your Wisely card to a cash advance app, first make sure the app is compatible with prepaid cards like Wisely. If the app is supposed to work but still won’t connect, contact the app’s customer service department for help.
Christi Gorbett is a freelance writer with more than eight years of experience and a master's degree in English. She’s created a wide range of content for banks, financial product comparison sites, and marketing companies on topics like small business loans, credit cards, mortgages, retirement planning, lender reviews, and more.
As a former teacher, Christi excels at making complex financial topics accessible and easy to understand. Her interest in finance grew when she returned to the U.S. after living in South Korea for nearly a decade.
This shift was driven by several personal financial challenges: rebuilding her financial base after the move home, starting her own business, and catching up on retirement savings. These experiences deepened Christi’s practical understanding of finance and intensified her interest in the field. See full bio
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