If you’re one of the millions who use Cash App to instantly send or receive money or use the Cash App debit card — good news — there are several cash advance apps that work with Cash App. This means you can use a cash advance app to get an advance on your paycheck and then send the funds to your Cash App account and spend them as you like.
Cleo offers a 24-hour cooling off period between loans, which means you can get a new advance just one day after paying off your previous advance. Many competitor cash advance apps require three to five days between advances. Plus, you can reschedule payment due dates once if your budget changes.
However, new users can only qualify for $20 to $100 at first.
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 offers a 24-hour cooling off period between loans, which means you can get a new advance just one day after paying off your previous advance. Many competitor cash advance apps require three to five days between advances. Plus, you can reschedule payment due dates once if your budget changes.
However, new users can only qualify for $20 to $100 at first.
Pros
No payslips or W-2 forms required
New advance available after 24 hours
One-time due date extension
Budgeting and savings tools through app
Cons
$250 advance limit is lower than some competitors
Advance limits start low
Mixed customer reviews
APR
0%
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
Brigit is a financial app that offers advances up to $250 per pay period. To get advances, you must sign up for Brigit's Plus or Premium plan. While advance amounts are lower than some apps, instant transfers are free with the Premium plan, and it offers free payment extensions with both plans.
Payment extensions are available to users who've had at least two consecutive on-time payments beforehand. You can request extensions in-app, and Brigit allows you to store up to three payment extensions for later use.
Loan amount
$50 - $250
Turnaround time
2 to 3 business days or instant with a Premium subscription or for a fee.
Brigit is a financial app that offers advances up to $250 per pay period. To get advances, you must sign up for Brigit's Plus or Premium plan. While advance amounts are lower than some apps, instant transfers are free with the Premium plan, and it offers free payment extensions with both plans.
Payment extensions are available to users who've had at least two consecutive on-time payments beforehand. You can request extensions in-app, and Brigit allows you to store up to three payment extensions for later use.
Pros
Extend your due date
Store up to three extensions at a time
Automatic advances if your bank balance is low
Cons
High monthly fees
Must meet certain criteria
Limited advance amounts
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.
EarnIn is a free app that lets you borrow $150 a day and up to a maximum of $750 of your earnings per pay period. With EarnIn, there are no monthly fees, but your advance amount depends on the hours you've already worked.
To get advances, you'll need to provide proof of your earnings, so EarnIn can verify what you've made. Normal transfer times to Cash App and other accounts is one business day — or within minutes if you use EarnIn's Lightning Speed service for a fee.
Loan amount
Up to $750
Turnaround time
1 to 3 business days or within minutes for a fee starting at $2.99 per transfer
Costs
Free to use or within minutes with a fee as low as $2.99 per transfer
Not available in: Connecticut
EarnIn is a free app that lets you borrow $150 a day and up to a maximum of $750 of your earnings per pay period. With EarnIn, there are no monthly fees, but your advance amount depends on the hours you've already worked.
To get advances, you'll need to provide proof of your earnings, so EarnIn can verify what you've made. Normal transfer times to Cash App and other accounts is one business day — or within minutes if you use EarnIn's Lightning Speed service for a fee.
Pros
No monthly fee
Tipping is optional
Relatively high advance amounts
Cons
High instant transfer fees
Not suitable for gig workers
Requires proof of hours worked
APR
0%
Loan amount
Up to $150/day, with a max of $750 between paydays
Loan Term
1 to 4 weeks
Turnaround time
1 to 3 business days or within minutes for a fee starting at $2.99 per transfer
EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.
Loan amount
Up to $750
Turnaround time
1 to 3 business days or within minutes for a fee starting at $2.99 per transfer
Costs
Free to use or within minutes with a fee as low as $2.99 per transfer
Albert is a different kind of cash advance app. In addition to offering cash advances up to $250 per pay period, it features an AI-powered financial advice tool called Genius that's designed to answer financial questions and help you build an investment portfolio.
Just provide a few details about your goals, and Genius creates a custom investment portfolio for you based on your risk tolerance and investment timeline. But the Genius service costs $14.99 a month, and you must sign up for the free trial of Genius to qualify for cash advances.
Loan amount
$25 - $250
Turnaround time
Instant
Costs
$11.99 monthly subscription to access overdraft protection
Available in all states
Albert is a different kind of cash advance app. In addition to offering cash advances up to $250 per pay period, it features an AI-powered financial advice tool called Genius that's designed to answer financial questions and help you build an investment portfolio.
Just provide a few details about your goals, and Genius creates a custom investment portfolio for you based on your risk tolerance and investment timeline. But the Genius service costs $14.99 a month, and you must sign up for the free trial of Genius to qualify for cash advances.
Pros
Borrow up to three times per pay period
Financial tools to help you budget and save
No late fees or inactivity fees
Cons
Must sign up for a free trial of Genius
No phone support
No IRA investing
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
$11.99 monthly subscription to access overdraft protection
Varo offers cash advances up to $500(or up to $250 for new users), and it doesn't require a monthly fee to be eligible for advances. Instead it charge a flat fee per advance ranging from $1.60 to $40 depending on how much you borrow. Plus, if you qualify you'll get the advance the same day you apply. And, if $500 isn't enough to cover your needs, it also offers credit lines up to $2,000.
Loan amount
$20 - $500
Turnaround time
Instant but charges a fee
Costs
No membership fee, instant transfer fee up to $40
Varo offers cash advances up to $500(or up to $250 for new users), and it doesn't require a monthly fee to be eligible for advances. Instead it charge a flat fee per advance ranging from $1.60 to $40 depending on how much you borrow. Plus, if you qualify you'll get the advance the same day you apply. And, if $500 isn't enough to cover your needs, it also offers credit lines up to $2,000.
Dave is a banking app that offers cash advances of up to $500 every pay period and has a Goals account that pays a generous 4% APY on deposits. To get cash advances you can send to Cash App and other accounts, you'll need to pay a monthly membership fee of Undisclosed.
Regular cash advance transfers from Dave can take up to three business days. For same-day transfers, you'll need to pay from $3 to $15. Dave has tools to help you track your finances and a round-up feature to help you save automatically.
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 banking app that offers cash advances of up to $500 every pay period and has a Goals account that pays a generous 4% APY on deposits. To get cash advances you can send to Cash App and other accounts, you'll need to pay a monthly membership fee of Undisclosed.
Regular cash advance transfers from Dave can take up to three business days. For same-day transfers, you'll need to pay from $3 to $15. Dave has tools to help you track your finances and a round-up feature to help you save automatically.
If you want a cash advance app that offers a full banking experience, MoneyLion could fit the bill. The app supports a range of products to help you build your finances, including investment accounts, crypto accounts, credit builder loans and debit card rewards.
MoneyLion's standard cash advance limit is $500, although you can potentially increase this to $700 by opening a paid Credit Builder Plus account and up to a generous $1,000 per pay period if you open a Roar Money account and set up recurring direct deposit.
Loan amount
$50 - $500
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
Costs
$19.99 monthly fee if you have a Plus membership
Available in: Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming
If you want a cash advance app that offers a full banking experience, MoneyLion could fit the bill. The app supports a range of products to help you build your finances, including investment accounts, crypto accounts, credit builder loans and debit card rewards.
MoneyLion's standard cash advance limit is $500, although you can potentially increase this to $700 by opening a paid Credit Builder Plus account and up to a generous $1,000 per pay period if you open a Roar Money account and set up recurring direct deposit.
Pros
Full range of banking products
Get paid up to 2 days early with Roar Money account
Can qualify advances up to $1,000 per pay period
Cons
Credit Builder Plus costs Free (or $1 to $5 for RoarMoney account) a month
Instant transfer fees can add up quickly
Mixed customer reviews
Loan amount
Up to $500 or $1,000 with RoarMoney account
Loan Term
Due by your next pay date
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
Loan amount
$50 - $500
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
We compared multiple pay advance apps that were compatible with Cash App. We weighted loan amounts, turnaround times, subscription fees, the time between advances and eligibility requirements.
Getting your Cash App routing and account number
To transfer money to Cash App from a cash advance app, you’ll need your Cash App routing number and account number. These can be found on the Money tab on your Cash App home screen.
Cash App is ideal for users who want a free way to instantly send and receive payments. Just link a bank account or upload funds to Cash App to send payments to anyone in the US or UK. You can also get a free Cash App Visa debit card to spend your Cash App funds anywhere Visa is accepted.
And for those who use Cash App frequently, you may qualify for Cash App’s Borrow feature, a fee-based credit line ideal for emergency borrowing. Borrow doesn’t require you to have direct deposits to qualify, like most cash advance apps, but a 5% fee per withdrawal applies.
Venmo is probably the closest competitor to Cash App, with both offering free instant transfers to people, free ATM in-network withdrawals, rewards, check cashing and the ability to buy crypto. But Venmo has more users and slightly more features, including a credit card option. If you were to change providers, Venmo would likely be the best choice.
Pros and cons of Cash App
Pros
Only need to be 13+ years old to qualify
Design and customize your own Cash App debit card
Ability to add offers to your Cash App card
Add paper money to your Cash App account at a store
Cons
Cash App Borrow is not available to all users
Instant transfers to a debit card or account are subject to a fee
Cash App has fewer users than Venmo
Alternatives to cash advance apps for Cash App customers
Cash advance apps can be a convenient way to borrow money between paydays and are typically much cheaper than taking out a payday or installment loan. But they require access to your bank account or timesheets, and most require that you have regular direct deposits to qualify.
If this is too restrictive for you, consider these other options:
Credit card advances. Credit card advances are a convenient way to borrow money in a pinch. But you’ll pay a transaction fee, and interest is charged immediately without a grace period. But you could reduce costs with an introductory 0% APR card. Compare the best credit cards of 2023, including 0% intro rate cards.
Buy Now, Pay Later (BNPL) apps. While they don’t offer cash per se, BNPL apps let you buy things you need today and pay for them later, usually over four separate payments, with or without fees. Compare the best BNPL apps.
Personal loans. If you’re willing to borrow at least $500 and willing to pay interest on the funds you borrow, compare the most competitive personal loans from the top banks and online lenders. You can typically borrow more with a personal loan, and you’ll have longer to pay it back than with a cash advance app.
Loans from a CDFI. You may be able to get a small-dollar, short-term loan by going through a Community Development Financial Institution (CDFI). These are typically local banks or credit unions that serve low-income or rural areas.
Local resources. Many cities and states support local programs to help you cover food, utilities and rent when money’s tight. Consider looking into the resources listed on this page if you need more help than what an occasional advance can provide.
Kat Aoki was a personal finance writer at Finder, specializing in consumer and business lending. She’s written thousands of articles to help consumers make better decisions on their home loans, bank accounts, credit cards, cryptocurrency and more. Kat is well versed in working with leading brands in the real estate, mortgage and personal finance industries, and her expertise has been featured on Lifewire and financial comparison sites like iSelect and realestate.com.au. She holds a BS in business administration from California State University, Sacramento and enjoys hiking and yoga in her spare time. See full bio
Kat's expertise
Kat has written 170 Finder guides across topics including:
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