There are a host of cash advance apps on the market today. Many require monthly membership fees, while others are mostly free, but you’ll typically have to pay a fee for instant transfers. Some providers charge a flat fee for transfers, while others depend on the size of the advance.
When choosing a cash advance app, be sure to compare monthly subscription fees, charges for expedited transfers and additional features.
| Cash advance app | Advance amount | Cost | Turnaround time | Launch date | |
|---|---|---|---|---|---|
| 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 | 2021 | |
| Klover | Up to $200 | $3.99 a month | Within 3 days or within hours for a fee | May 2019 | |
| 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% | December 2018 | |
| Grid | Up to $200 | $10 a month | Within 8 hours for $2.99 or 1 to 3 days for free delivery | July 2018 | |
| Cleo | Up to $250 | As low as $5.99 per month to use the app | 3 to 4 days or instant for a fee. | June 2018 | |
| B9 | $30 to $500 | $9.99 or $19.99 | Instant | May 2018 | |
| 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 | April 2018 | |
| FloatMe | $10 to $100 | $3.99 per month | 1 to 3 business days or within 8 hours for a fee | March 2018 | |
| 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. | January 2018 | |
| 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 | November 2017 | |
| Beem | $5 to $1000 | $2.47 to $12.97 per month | Within 3 days or instant for a fee | April 2017 | |
| Dave | Up to $500 | Undisclosed monthly membership fe | Up to 3 business days or instant for a fee | March 2017 | |
| Empower | $10 to $300 | $8 per month | Same day or instant delivery available ($1 to $8 for instant transfer to external bank account) | November 2016 | |
| Credit Genie | Up to $100 | $4.99 per month | Within 3 days or same day or instant for a fee | September 2016 | |
| Super.com | $20 to $200 | No fee, available for qualified consumers | Within 3 business days, instant with a small fee or Super Pay account | April 2016 | |
| 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 | 2015 | |
| Varo | Up to $500 | Free, available for qualified members | Instant turnaround, but fees up to $40 | November 2015 | |
| Albert | $25 to $250 | $14.99 per month | Instant | October 2015 | |
| 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 | August 2015 | |
| Current | $50 to $500 | Free | Within 3 business days, instant with delivery fee | June 2015 | |
| 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 | 2014 | |
| 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 | May 2014 | |
| 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 | September 2013 | |
| 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 | August 2013 | |
| Cash App borrow | $20 to $200 | 5% fee | Same day | June 2009 | |
| Wisely | Depends on wage and hours worked | No fee, available for qualified members | Instant to Wisely card | 2002 |
Eligibility requirements may vary by provider, but in general, you’ll need to meet the following criteria:
You may also need to receive your pay by direct deposit, although some cash advance providers don’t require direct deposit. In addition, providers may have minimum monthly income or deposit requirements.
Here are a few things to consider when comparing cash advance apps:
Cash advance apps are convenient and great in an emergency, but there are some drawbacks to consider as well.
If you can’t find a cash advance app that fits your needs, consider these alternatives.
You’ll typically need your identity and bank account verified to get approved for advances, which could take up to a day or two. But if you’ve already signed up for a cash advance app and had your details verified, you could receive funds within minutes of requesting an advance.
Almost all cash advance apps offer advances up to $200 or more. Only two that we know of — Credit Genie and FloatMe — cap advances at $100.
Yes. Most cash advance providers don’t care about your credit score. They’re more concerned that you have a source of income and a history of regular deposits.
Yes. Very few cash advance apps do credit checks before granting approval. Most apps can determine your eligibility without a credit check. While a few providers may check your credit, it’s typically only a soft inquiry that won’t affect your credit score.
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