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B9 cash advance app review

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B9 pay advance app
4.1
★★★★★

B9 pay advance app isn't available on Finder right now.

Min. Amount
$30
Max. Amount
$500
Turnaround time
Instant

Summary

Instant advances on your paycheck — but it comes with a monthly fee and minimum deposit amount.

Bottom line: B9 offers larger advances than most pay advance apps — and no fee for instant funding. But you'll need to use it frequently for it to be worth the monthly fee.

In this guide

  • Review
  • Details
    • Product details
  • Your reviews
  • Ask a question

Details

Product details

Product Name B9 pay advance app
Min. Amount $30
Max. Amount $500
Loan Term Not Stated
Turnaround Time Instant
Requirements $500+ in monthly direct deposits into B9 account, checking account, ITIN or SSN, government-issued photo ID

Pros

  • $30 to $500 advances
  • Instant advance with no advance-related fee
  • Nonresidents may qualify with an ITIN

Cons

  • Up to $19.99 in monthly membership fees
  • Must get paid at least $500 via direct deposit to your B9 account
  • Few additional features compared to other cash advance apps
  • Monthly fee makes it expensive for occasional advances

How B9 works: Fees, features and requirements

B9 is a membership-based cash advance app that lets you get an advance on your full paycheck up to 15 days early. Like other cash advance apps, it charges a monthly fee — though B9’s fee is on the lower end, and it offers fewer services than similar apps.
To use this service, you must first open an FDIC-insured checking account with B9 and set up payroll direct deposit with your employer. Apply for a B9 advance after your employer has deposited at least one paycheck into your B9 account.

Fees and details

  • Maximum withdrawal: $30 to $500
  • Cost: $9.99 or $19.99 monthly membership fee
  • Turnaround: Instant, once account is set up

Your maximum withdrawal depends on factors including your B9 membership level, account history, pay frequency and pay amount. You also can only receive an advance on funds that you receive as a direct deposit into your B9 account.

Features

B9 offers the following features in addition to cash advances:

  • FDIC-insured checking account
  • Visa debit card to access checking account funds
  • No overdraft fees on checking account
  • Unlimited money transfers with no fee
  • Customer service available in English and Spanish

Requirements

To qualify for a B9 cash advance, you must meet the following requirements:

  • Active B9 checking account with direct deposit from your employer
  • Monthly salary of at least $500
  • Social Security number or Individual Tax Identification Number
  • Residential mailing address in the US
  • Government-issued photo ID

B9 will contact you via the app, SMS or email as soon as you’re eligible to receive an advance. This advance may not be available in all states.

How B9 compares with other cash advance apps

B9 offers faster, larger advances and charges lower fees than similar apps like Brigit and Dave.

B9 AppBrigitDave
Maximum withdrawal
$300 with advance membership
Up to 100% of your paycheck with premium membership
$250
$100
Fees
Monthly membership fees:
$9.99 for advance plan
$19.99 for premium plan
$9.99 monthly membership fee
  • $1 monthly membership fee
  • $4.99 express delivery fee, optional
Turnaround time
Instant
One to two business days
  • Standard delivery: up to three business days
  • Express delivery: within eight hours
Next steps

When it comes to cash advances alone, B9 can be a better choice. But Brigit and Dave offer more features to help you manage your personal finances. If you’re looking for a financial wellness app, B9 might not be the app for you.

B9 receives mostly positive reviews

BBB accredited No
BBB rating NR
Trustpilot Score 4.6 out of 5 stars, based on 47 customer reviews
App Store Score 4.2 out of 5 stars, based on 101 customer reviews
Google Play Score 3.7 out of 5 stars, based on 60 customer reviews
Customer reviews verified as of 02 September 2021
B9 only has a few online reviews, but most are positive. Most reviews highlight the quality of customer service. One self-employed user mentions that it is one of the only cash advance options available to them. But they also state they wish it was more user-friendly — or had an option for people paid in cash.

Is B9 legit?

B9 is a legitimate financial technology company. It partners with Evolve Bank & Trust, a member of the Federal Deposit Insurance Company (FDIC), to provide banking services and the debit card. This means that the money in your B9 account is insured up to the $250,000 standard for any checking account.
It also uses Plaid to protect sensitive information while making transfers between the app and your bank account. Plaid is industry-standard for any app that involves money transfers — such as Venmo.
B9 is up front about the costs and requirements for using the app. And it doesn’t share any information with its affiliates. You’ll easily find B9’s privacy policies and contact information on its home page.

B9 app vs. payday loans

B9 cash advanceTypical payday loan
Borrowing amount
$30 to $500
Up to $1,000 — and most states only allow one at a time
Turnaround time
Instant, after account is set up
Next business day or same day if you apply in person
Application process
  1. Set up a B9 account
  2. Connect to direct deposit
  3. Wait for B9 to notify you when you’re eligible for an advance
  1. Fill out a simple application online or in person
  2. Submit required documents
  3. Receive funds as cash, check, money order or deposited into account
Costs
Up to $19.99 monthly membership fee
Fee of $15 to $25 per $100 borrowed
State availability
Not available in all states
Prohibited in some states

Is B9 worth it?

B9 might be worth it if you regularly need an advance on your paycheck or regularly make money transfers. But the monthly fee can add up if you only use these features occasionally. In that case, another cash advance app that doesn’t charge a monthly fee — or offers more features — could be a better choice.

Compare alternatives to B9

If you don’t have time to set up an account and wait for your first paycheck to go through, these providers may offer a faster solution.

Product USFSL Finder Score Loan amount Turnaround time Requirements
Finder score
Up to $150/day, with a max of $750 between paydays
1 to 3 business days or within minutes for a fee starting at $2.99 per transfer
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
Access up to $150 per day, with a max of $750 between paydays. Subject to EarnIn terms & conditions.
Finder score
Up to $250
3 to 4 days or instant for a fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Finder score
$500 to $4,000
As soon as the same business day
+18 years old, Receive paychecks through direct deposit, $1,500 minimum monthly income, Live in eligible state
Not available in: CO, CT, GA, IA, MD, MA, NY, SD, VT, WA, WV. Comes with the option to change your due date so you won’t fall behind on repayments.
Chime logo
Finder score
Up to $500
Within 24 hours or instant for a fee
Chime checking account, direct deposits of $200+ and only available in some states
Access up to $500 of your pay before payday fee-free within 24 hours. See Chime terms and conditions.
Current
Current logo
Finder score
$50 to $750
Get instant access to your paycheck in advance for a fee, or get it fee-free within 3 business days
Among other factors, you must receive a monthly total of $500 or more in Eligible Payroll Deposits into your Current Account.
Get up to $750 before payday, once you qualify. Paycheck Advance is an earned wage access service and is not a loan or credit product. Subject to Paycheck Advance Terms and Conditions.
Go to site
Varo logo
Finder score
Up to $500
Instant but charges a fee
Active Varo bank account in positive standing; an available balance of $0 or more; at least $800 in total qualifying direct deposits within the last 60 days.
Fast cash advances starting at just $20. Up to 30 days to pay back advance.
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What is the Finder Score?

The Finder Score crunches 3+ types of short-term loans across 65+ lenders. It takes into account the product's interest rate, fees and features, as well as the type of loan eg investor, variable, fixed rate - this gives you a simple score out of 10.

To provide a Score, we compare like-for-like loans. So if you're comparing the best short-term loans for all credit types, you can see how each short-term loan stacks up against other short-term loans with the same borrower type, rate type and repayment type.

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Your reviews

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