Current Paycheck Advance: Get Up to $750 Cash Before Payday
- Min. Amount
- $50
- Max. Amount
- $750
- Turnaround time
- Up to 3 days or within an hour for a fee
Our verdict
Advances up to $750 and no monthly fees put this provider ahead of the competition.
Current offers paycheck advances up to $750 — higher than much of the competition. And it doesn’t require a monthly subscription to qualify, which can save you a ton of money over some other apps. It also offers a number of other banking features, never checks your credit and doesn’t charge interest. But you need eligible deposits of $500 or more, and you have to get paid by direct deposit to qualify for advances. Plus, it has some poor reviews — not uncommon in this space, but something to consider before you sign up.
Best for: People who want to access up to $750 in paycheck advances, along with other banking tools.
Pros
-
Advances up to $750
-
No monthly subscription fees
-
Offers fee-free overdraft protection and other banking features
Cons
-
Must receive at least $500 in eligible deposits
-
Requires direct deposit
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Mixed reviews
Is Current legit?
Yes, Current is a legitimate fintech company with banking services provided by Cross River Bank or Choice Financial Group. The company was founded in 2015 and has more than four million members to date.
It uses reasonable administrative, technical and physical measures to safeguard your information from loss, theft or misuse, but notes that the internet isn’t 100% secure and it can’t guarantee the security of your data. It also has a clear and detailed privacy policy that can be viewed on its website.
What makes Current shine?
Current stands out by upping its maximum advance amount from $500 to $750 — a loan amount that only a handful of other apps offer. And it doesn’t charge a monthly fee, which also puts it ahead of some of the competition.
We also appreciate that there is much more to Current than just cash advances between paychecks. For example, it offers fee-free overdraft protection, a credit builder card, budgeting tools and more.
Where Current falls short
One downside to Current is that you must get paid by direct deposit to qualify for advances. While this is a fairly common requirement in the cash advance space, it leaves out individuals who don’t have access to direct deposit. For borrowers who prefer a cash advance app that doesn’t require direct deposit, there are a few options.
Current cash advance details
| Product name | Paycheck Advance |
| Loan amount | $50 to $750 |
| Loan term | Until next payday |
| Turnaround time | Up to 3 days or within an hour for a fee |
| Costs | No mandatory fees |
| Requirements | At least 18 and a US resident Eligible payroll deposits of $500 or more to your Current account or an external bank account Valid Social Security number Get paid by direct deposit No unpaid advances |
Current contact info
| Phone number | 888-851-1172 |
| Customer service hours | Not listed, but live chat in the app is 24/7 |
| support@current.com | |
| X, formerly Twitter | @current |
| Current |
How to qualify for Current Paycheck Advance
These are the basic qualifications required to get a Current cash advance.
- Be at least 18 years old and a US resident or nonresident legal alien
- Have a valid Social Security number and current US address
- Receive at least $500 in eligible payroll deposits to your Current account or an external bank account
- Have income from a job or government benefit
- Get paid by direct deposit
- Have no outstanding advances
- Do not live in: Connecticut, Maryland, Nevada or the District of Columbia.
Other features
Unlike some cash apps, Current has a lot more to offer than just paycheck advances — you can also spend, save, invest and more.
- Overdraft protection. Current offers fee-free overdraft protection to eligible customers. Overdraft amounts start at $25 and can go as high as $200 over time.
- Get paid early. With direct deposit, you can get paid up to two days before your regular pay date.
- Build credit. Improve your credit score with the Build Card, which reports your payments to all three major credit bureaus.
- Save. Earn up to 4% annually on up to $2,000 per savings pod, or $6,000 total.
- Invest in cryptocurrency. Buy and sell crypto with zero trading fees and dozens of coins to choose from.
Current cash advance reviews and complaints
| BBB accredited | Yes |
|---|---|
| BBB rating | A+ |
| BBB customer reviews | 2.89 out of 5 stars, based on 75 customer reviews |
| BBB customer complaints | 486 customer complaints |
| Trustpilot Score | 4.85 out of 5 stars, based on 11,412 customer reviews |
| App Store Score | 4.8 out of 5 stars, based on 173,700 customer reviews |
| Google Play Score | 4.6 out of 5 stars, based on 163,000 customer reviews |
| Customer reviews verified as of | 28 April 2025 |
Current has quite a few complaints on the Better Business Bureau (BBB), although many are related to other features of the banking app, not necessarily the cash advance feature. Common complaints include poor customer service and failure to satisfactorily resolve disputes.
The app gets higher marks on Trustpilot and the app stores, with users complimenting the straightforward app and valuable features, such as overdraft protection, early paydays and credit building, along with paycheck advances. But others complain of low advance amounts, issues with customer service and inconsistent timing of paycheck availability.
What do people on Reddit say?
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Frequently asked questions
Can using Current hurt my credit score?
It depends. The Current cash advance feature doesn’t require a credit check, and even late payments aren’t reported to credit bureaus. However, payments to Current’s credit builder card are reported, which can lower your score if you’re late.
Can I cancel an advance after I request it?
No. As soon as you confirm an advance, there’s no way to cancel it. However, you can pay it back as soon as you receive the funds by selecting the Repay advance option.
How do I get a higher cash advance limit?
Current says it adjusts your advance limit periodically, but you can’t request a larger amount. Customers suggest that higher deposits and taking regular advances can help you qualify for bigger advances.
Your reviews
Lacey Finder
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