If you run out of money before your next paycheck arrives, you can use a cash advance app. It is easy to bridge the gap between paychecks without going into debt with the help of these apps.
If your bank balance is too low, you can avoid paying missed payments by getting a cash advance on your paycheck. It can help you to manage your budget and not get into too much debt.
There are many options when it comes to choosing a cash advance app. You need to research the different apps and find one that works for you. Each app shines in one area. Each app has its own features that make it stand out from the others. This could be the best deal for you. Before making a final decision, be sure to do your research and compare prices.
Before choosing an app, take the time to understand what you need the most from it and make sure you get the best deal. It’s important to take the time to research and make an informed decision about your app choice.
12 Best Cash Advance Apps
Here are the best cash advance apps you can use today:
1. Albert
Best Comprehensive App
Albert has cash advances that are similar to the course. Albert’s cash advances are needed to keep his business running. Account holders can get up to $250 without interest, late fees, or credit checks. It’s a great way to get the money you need without having to worry about hidden fees. You can access your funds with either a free transfer or a small fee. You can be sure that your money is safe once the transfer is complete.
There isn’t a late fee if you can’t pay on time.
Albert is a great pick if you’re looking for more than just cash advances. You can open a cash account on the platform and get your paycheck 2 days early. The cash account is free for all users. Albert also has a Genius account that costs $6 a month. Albert uses the Genius account to access exclusive stock reports.
You don’t have to keep the Genius account to get cash advances, but you may have to sign up for a 30-day free trial. If it doesn’t meet your needs, you can cancel the free trial at any time.
Pros:
- No late fees
- Instant advances available
- Auto repayments
Cons:
- Requires premium account free trial to register
- No phone support
2. Chime
Best Overdraft Protection
Chime is a little different than the other cash advance platforms on the list. It comes with a built-in feature called SpotMe, rather than floating funds into your account at your request. SpotMe can be used to access up to $500 without having to apply for another loan.
SpotMe is an overdraft protection plan that will spot you up to $200 on withdrawals and purchases without any fees. It offers a low-cost loan of up to $600 to help cover unforeseen expenses. Chime will apply your next deposit to the balance and let you know when it’s paid. You can easily keep track of your debt by using this method.
Sending boost to friends who have accounts can increase their overdraft limit. When you repay your balance, you can leave a tip to pay it forward. It can make a difference in someone else’s life if you show your appreciation for those that have helped you in the past. There are no fees associated with SpotMe. SpotMe is a great way to get access to cash when you need it.
To be eligible for SpotMe, you need to sign up for a A deposit of at least $200 is required to open a Chime checking account.
Pros:
- No fees
- Automatic overdraft protection
- 2-day early pay
Cons:
- Advance/overdraft limited to $200
- Limited free cash deposit locations
3. Empower
Best Cash Account
Empower offers cash advances of up to $250, with no late fees . MoneyLion is geared towards helping clients improve their credit, with no credit checks required for approval. budgeting tools, overdraft protection, and access to personal loans and lines of credit are some of the features Empower offers.
If you repay your advance on your next paycheck date, Empower will not charge interest. It’s easy to access the funds you need when an emergency arises, and you don’t have to worry about any hidden or extra fees.
You can either open an Empower account or have your funds deposited in your external bank account. You can access your funds quickly and easily with the Empower account. The card account has a number of features, like overdraft fee protection and early pay. The card comes with a free mobile app which allows users to easily track their spending and access their account information from anywhere.
Empower also has a The Thrive account will give accountholders a line of credit of $200 and they can use it to improve their credit. The mission of Thrive is to help its members build their financial health and establish better credit through responsible use of their line of credit.
Pros:
- Instant deposit
- No fees for advances
- Empower debit card account
Cons:
- $8 monthly subscription
- Mixed customer reviews
4. Earnin
Best for Saving on Fees
Earnin app lets you access up to $500 of your paycheck per pay period through their Cash Out feature. You can get your full paycheck up to days sooner than scheduled. As soon as your money is available, you can set up automatic deposits for your paycheck.
There are no fees or interest rates on the advance, but you can add a small tip to keep the app alive, and make sure it is still around the next time you need an advance. You can save even more money if you choose to pay it back early.
Pros:
- No fees
- No credit check required
Cons:
- Advance limited to $100 a day
- Can take up to 2 business days to receive funds
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5. Dave
Best for Small Loan Amounts
Dave offers a feature called, ExtraCash, that allows you toget up to $500 instantly with no interest , credit checks, or late fees.
If your credit score is low and you are having difficulties meeting your financial commitments before your paycheck comes through, this can be a viable option. Short-term financial relief can be provided by a payday loan.
It can take up to 3 days to get the funds. You should keep an eye on your bank account during this time to make sure the funds are deposited. If this seems too long, you can choose the Express payment option, but it comes with a fee. The Express payment option makes it easy to access your money. If you transfer the fee to your Dave account, it will range from $0.99 to $6.99. All transfers are subject to a fee and will be deducted from the total amount transferred.
You can get a cash advance on the same day using the express option. If you are borrowing money, make sure the fee is less than the penalties for late payments.
Pros:
- Cheaper than overdraft fees if you needmoney instantly
- No fee way to borrow money until your next payday
Cons:
- Must link an external bank account
- $1 monthly subscription fee
6. MoneyLion
Best to Help Improve Your Credit Score
With MoneyLion, you can get cash advances of as much as $250 . You can get the money to you as soon as the same day. You can rest assured that your application will be processed quickly because the process is easy and straightforward.
MoneyLion doesn’t run credit checks, but there are some criteria you need to meet to be eligible. There is an administrative fee that needs to be paid every month on cash advances. This costs $1.00.
The app has features such as early paychecks, no hidden fees, and debit card rewards. It is easy to take advantage of the features of the app with the free sign up process. If you find a lower price for something within 90 days, you can get a $250 refund. You can shop with confidence because you know you’re getting the best price.
Pros:
- No fee payday advance
- Loan payments reported to credit bureaus
- Allows you to transfer money from a savings account into a portfolio of ETFs
Cons:
- $1.00 monthly administrative fee
- Mandatory MoneyLion checking account
7. Brigit
Best for Keeping Tabs on Your Money
Brigit offers payday advances up to $250 per pay period. There are two plans to choose from.
The Free plan misses out on some of the features that are only available to Plus members. It is a great way to get a feel for the product before you make a decision.
The Plus plan will include quick cash, build your credit, get $1M ID theft insurance, and a few others. The Plus plan has a range of exclusive discounts and offers. A You will pay $9.99 per month for Plus membership. It’s a good value for the perks you get with Plus membership.
All advances are interest-free. Brigit does not ask for a tip and there are no hidden fees. You can use brit to access extra cash when you need it.
Depending on the plan you are on, funds should reach your account on the same day or up to 2 business days. Some plans may need additional verifications before the funds can be released. A credit check is not one of the eligibility criteria you need to meet. You don’t have to worry about a credit check if you meet the criteria.
Pros:
- Overdraft protection
- Interest-free paycheck advances
Cons:
- Most features are only available to Plus members
- Limited financial tools
8. Possible
Best for Fash Cash Advances
Technically speaking, Possible offers payday loans, which is how they promote the advances they offer on their website. These loans tend to be different than personal loans with usually much higher APRs (Annual Percentage Rates).
It is possible to borrow as much as $500 with the repayment made over 4 installments. You can pay your loan back early without penalties. You can have the money in minutes.
The company will report your repayments to three credit bureaus, and there are no membership fees to pay. You can build a positive credit history with the company if you make your repayments on time. This can help you build up your credit score if it has suffered in the past and is holding you back from achieving financial freedom.
The Possible Card is a credit card that is meant to help you, not hurt you, and the Possible Cash is a cash advance feature that builds to a credit card with no interest or late fees. These two new features are just the beginning of Possible Finance’s mission, as they are committed to helping people build a healthier financial future.
Pros:
- Borrow up to $500
- Quick turnaround
Cons:
- Relatively high fees
- Not available in all states
9. Vola
Best for Irregular Work Hours
Vola offers cash advances of up to $300 . You should be able to get the money within 5 hours. Depending on the payment method you are using, it may take longer.
Unlike most apps, you don’t have to have a regular direct deposit to qualify. You can use the app to set up direct deposit even if you don’t have a regular one. If there is regular activity and you have an average balance of at least $150, you should be able to get a cash advance. Cash advances come with high interest rates so it’s best to pay them off as soon as possible.
There is an applicable membership fee to use any of the services Vola offers. The fee888-607-888-607-888-607-3166888-607-888-607-888-607-888-607-888-607-888-607-3166 is an affordable888-607-888-607-888-607-888-607-888-607-888-607-888-607-888-607-888-607-888-607-888-607-888-607-3166 is an affordable one that allows you to take advantage of all the great benefits Vola has to offer. The plans start at $4.99 per month. There are higher tier plans for additional features. You get a few features for the money that you pay. The features are easy to use and provide great value.
You can get an advance through the Vola app in 3 simple steps.
The app breaks down your spending habits in a way that makes you smarter with your money. You can easily create a budget by using the app.
The app also comes with something called a Vola Score. The score grows to offer you lower subscription fees and bigger advances. The subscription provider will give you more benefits if you have a higher score.
Pros:
- You don’t need to work regular hours
- Low balance notifications
Cons:
- Membership fees are applicable
- You must keep an average account balance of $150
10. Varo
Best for Early Paycheck Acess
Varo offers a $100 cash advance to customers. Depending on the size of your advance, you will pay a fee ranging from $0 to $5. You need to have at least $1,000 of direct deposits in the last month to be eligible. A minimum Varo Bank Account balance of $50 is required.
It is a nice feature for Varo accountholders that this offer is less competitive than some of the others. Varo does not charge a fee for using their banking services, which can help to offset the difference in terms of competitiveness. Varo gives you access to your paycheck 2 days early. Make sure you have money available when you need it and use this tool to manage your finances.
There are no monthly fees, and Varo promises no hidden fees when using any of the services that come with a Varo account.
Pros:
- FDIC insured
- Automatic account alerts
Cons:
- No early wage access (EWA)
- Overdrafts limited to $50 on any transaction
11. PayActiv
Best Employer Offered Cash Advance Option
Unlike the other apps listed here, PayActiv is a facility offered by employers to their employees. This app refers to cash advance as ewa, which stands for Earned Wage Access, unlike some of the other apps reviewed. It’s a great option for people who need to access their wages quickly and securely.
You can borrow up to 50% of the wage you have earned. You will have to deduct the amount you borrowed from your next wage payment to repay this loan. The borrowing maximum is $500. The maximum can be increased with the approval of the lending institution.
Fees can range from $0 to $5, and you can expect them to be charged every time you give an ewa. The costs associated with processing and administration are covered by this fee. The program your employer is subscribed to will affect the fee. Your employer will give you more information about the fee associated with the program.
Employers see a number of benefits, including less turnover and greater employee satisfaction, because the app is beneficial to employees. Employers can use the app to communicate with their staff.
Pros:
- $500 borrowing maximum
- Financial coaching
Cons:
- Only offered through employers
- You may be charged a fee
12. Kora
Best for College Students
The Kora app helps college students boost their financial health. Kora gives users tools to manage their budget, track spending, and save for the future. It offers a rewards VISA card, car loan for students, personalized money tools, and a large line of credit for young people with limited credit histories. It gives access to expert financial advice for young people who need guidance in managing their finances.
College students and recent graduates can get up to a $3,000line of credit. Expenses like textbooks, rent, and other essential items can be covered with the line of credit. There are no annual fees or minimum balances requirements on Kora’s accounts,
It’s easy to request funds in the app. You need to put in the amount you want to repay. Once approved, the funds will be deposited into your account. You can adjust the interest rate and repayment terms when you get a breakdown from Kora. She will be able to discuss other financing options with you. You have to link a bank account for the deposit to be paid.
Pros:
- No fees or minimum requirements
- Customizable repayment terms
- Instant deposits
Cons:
- Only available in 21 states
- Exclusive to college students and recent grads
Frequently Asked Questions
What is a cash advance app?
If you find yourself short of cash before your paycheck, cash advance apps can help you get through it.
Which is the best cash advance app to use?
There is no one best app for everyone. We have prepared 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 to 888-353-1299 888-353-1299 to 888-353-1299 888-353-1299 to 888-353-1299 to 888-353-1299 to 888-353-1299 to 888-353-1299 to 888-353-1299 to 888-353-1299 to 888-353-1299 to 888-353-1299 to 888-353-1299 to 888-353-1299 to 888-353-1299 to 888-353-1299 to 888-353-1299 to 888-353-1299 888-353-1299 to 888-353-1299 888-353-1299 888-353-1299 to 888-353-1299 888-353-1299 888-353-1299 to 888-353-1299 888-353-1299 888-353-1299 888-353-1299 888-353-1299 These apps can help you make the most of your money, no matter what your financial goals are.
Are cash advance apps available on Android smartphones?
Check device compatibility is always worth your time as most apps are available on both devices. It’s important to make sure the app is compatible with your device by checking the system requirements. You can check this from Apple’s App Store or Google’s You can play store on your device. If you have an Android device, the Play Store is pre-installed and ready to use, while you can download and install the app from the App Store. If you have an older device that is no longer supported by newer apps, it can limit which apps you can install and use. It is important to research the compatibility of an app before you download it.
Do you get charged interest with cash advance apps?
Cash advance apps don’t charge interest rates, but this isn’t always the case. It is important to check the details of the cash advance app before you sign up, to make sure you understand any interest or fees that may apply. Some apps charge a membership fee, while others might ask for a tip to help keep the app up and running. Users should be aware of the costs associated with using an app before they download it. You need to take the time to understand what you will have to pay back, since some apps charge interest. You should only take out a loan if you can afford to pay it back.
When is it ok to use a cash advance app?
Cash Advance apps can be used if you don’t make it until your next paycheck. They can give you assistance when you need it the most. Most of these apps don’t charge interest on the advances, but it’s always a good idea to check. Before committing to a loan, it is important to read the fine print and understand the associated fees and repayment terms. Fees, including late fees, are important to take note of so that you can plan your budget accordingly. It is always a good idea to read user reviews before you download an app as some may have hidden charges.
Can I get a $50 cash advance?
Yes! All of the cash advance apps on our list will provide at least a $50 instant loan that will be repayable when you get your next deposit.
Can I get a $100 cash advance?
Yes! All of the cash advance apps on our list will provide at least a $100 instant loan that will be repayable when you get your next deposit.
Is A Cash Advance App Best For You?
If you don’t have an emergency fund, getting a cash advance can save you a lot of trouble. Cash advances should only be used in the event of an emergency.
Once you are all set up, you can receive your cash relatively quickly, with some of the apps reviewed offering instant cash turnaround. Many apps allow you to transfer funds directly into a bank account or other payment service, making the process even more convenient.
If your credit is poor, you don’t need good credit to apply for a cash advance using some of these apps. Even if you have a low credit score, cash advance apps give you quick and easy access to money.
It is important to plan for the long term, even though an advance on your paycheck can be a great short-term solution. It is important to create a budget and stick to it to ensure long-term financial stability. It’s important to use short-term loans wisely because they have higher interest rates. It is a good idea to compare different short-term loans in order to find the best deal for your needs.
If you know you have money to pay back quickly, you should only apply for short-term loans. You could find yourself in trouble if you don’t. It’s important to be aware of the consequences if you don’t follow the rules.
A few of these loan apps offer planning and saving tools – making use of these can help you make sure you start planning your personal finances better for a brighter future.
