Discover 27 New Cash Advance Apps in 2024

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.

Compare 27 cash advance apps

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	Read review
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	Read review
Grid	Up to $200	$10 a month	Within 8 hours for $2.99 or 1 to 3 days for free delivery	July 2018	Read review
Cleo	Up to $250	As low as $5.99 to use the app, free requested through email	3 to 4 days or instant for a fee.	June 2018	Go to site Read review
B9	$30 to $500	$9.99 or $19.99	Instant	May 2018	Read review
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	Read review
FloatMe	$10 to $100	$3.99 per month	1 to 3 business days or within 8 hours for a fee	March 2018	Read review
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	Go to site Read review
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	Read review
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	Go to site Read review
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	Read review
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	Read review
Varo	Up to $500	Free, available for qualified members	Instant turnaround, but fees up to $40	November 2015	Read review
Albert	$25 to $250	$14.99 per month	Instant	October 2015	Go to site Read review
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	Read review
Current	$50 to $500	Free	Within 3 business days, instant with delivery fee	June 2015	Read review
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	Read review
EarnIn	Up to $750 per pay period, but only $100 per day	No fee when you link your bank account	1 to 3 business days or instant for a fee	May 2014	Go to site Read review
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	Go to site
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	Read review
Chime	Up to $200	No cost, must be a Chime member	Instant	August 2012	Go to site Read review
Cash App borrow	$20 to $200	5% fee	Same day	June 2009	Read review
Wisely	Depends on wage and hours worked	No fee, available for qualified members	Instant to Wisely card	2002	Go to site

Eligibility requirements for cash advances

Eligibility requirements may vary by provider, but in general, you’ll need to meet the following criteria:

• Be at least 18 and a US resident
• Have a job or other source of income
• Have a valid Social Security number or ITIN
• Have a valid, active checking account
• Have a banking history of regular deposits

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.

How to compare cash advance apps

Here are a few things to consider when comparing cash advance apps:

• Monthly fees. Not all cash advance providers require a monthly subscription, but many do. Consider if that fee is going to be worth it for you.
• Instant transfer fees. Instant transfer fees vary widely by provider. If you want regular access to fast cash, compare fees for expedited transfers.
• Reputation of the provider. Read reviews and ask friends and family to find out which apps are legit and make the most sense for you.
• Additional features. Many cash advance apps provide much more than just advances. You may want to consider one with access to savings and investing tools, credit monitoring, opportunities to build your credit and more.
• Advance limits. Most cash advance apps top out at around $200, but a few offer $300 advances, $500 advances or even $1,000 advances.

Pros and cons of cash advances

Cash advance apps are convenient and great in an emergency, but there are some drawbacks to consider as well.

Alternatives to cash advances

If you can’t find a cash advance app that fits your needs, consider these alternatives.

• Personal loans. If you need a higher loan amount, you may want to consider a personal loan, although it’s typically harder to qualify for.
• Payday alternative loans (PALs). Some federal credit unions offer smaller PAL loans at competitive interest rates, but you must be a member.
• Friends and family. Maybe you have a friend or family member who doesn’t mind floating you a small loan until you get paid.

Frequently asked questions

What app will let me borrow money instantly?

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.

What app will give me $200 instantly with no credit check?

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.

Can I get a cash advance with bad credit?

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.

Are there new cash advance apps with no credit check?

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.