Dave is a banking app that offers cash advances, and doesn’t require minimum deposits. Dave’s $500 cash advances are high compared to many other apps, but it’s possible to find a cash advance app like Dave that offers twice that amount to select borrowers.
Depending on how much money you advance, express fees range from $3 to $25. If you don’t want to pay the instant funding fee, you’ll wait up to three business days for your cash advance.
If you’d rather have a cash advance app with stronger budgeting features or flexible repayment, these cash advance apps may be a better alternative to Dave.
If you love to stay on top of your finances, look no further than Cleo. This AI-powered app excels at helping you stay on top of your spending and bills with payment reminders, overdraft alerts, and a spending tracker with an optional “roast mode” to let you know when you’ve gone overboard.
In addition, Cleo's paid version offers cash advances through its app with no minimum income requirement or credit checks. As long as you have regular income coming into your bank account, you could qualify for cash advances starting at $20 to $250.
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
If you love to stay on top of your finances, look no further than Cleo. This AI-powered app excels at helping you stay on top of your spending and bills with payment reminders, overdraft alerts, and a spending tracker with an optional “roast mode” to let you know when you’ve gone overboard.
In addition, Cleo's paid version offers cash advances through its app with no minimum income requirement or credit checks. As long as you have regular income coming into your bank account, you could qualify for cash advances starting at $20 to $250.
Pros
No employment verification required
0% interest charged on cash advances
Support available with free version
Cons
Same-day transfers cost $3.99 - $9.99
Cleo Plus paid plan costs $5.99 a month
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
EarnIn is a cash advance app that lets you borrow up to $750 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps, and unlike payday loans, there are no interest or financing fees to use Cash Outs.
To qualify for EarnIn Cash Outs, you need to be employed, have regular direct deposits, and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account or more than $150 per day to an EarnIn card. Regular transfers are available in one to three business days or in minutes for a fee with Lightning Speed.
Loan amount
Up to $750
Turnaround time
1 to 2 business days or within 30 minutes for a fee
Costs
Free to use or within minutes with a fee as low as $2.99 per transfer
Not available in: Connecticut
EarnIn is a cash advance app that lets you borrow up to $750 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps, and unlike payday loans, there are no interest or financing fees to use Cash Outs.
To qualify for EarnIn Cash Outs, you need to be employed, have regular direct deposits, and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account or more than $150 per day to an EarnIn card. Regular transfers are available in one to three business days or in minutes for a fee with Lightning Speed.
Pros
No credit check required
No interest or mandatory tipping
Cash Out more than $150 per day with an EarnIn card
Cons
Verification of employment required
Same-day (Lightning) transfers attract a fee
Not ideal for gig workers
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 2 business days or within 30 minutes for a fee
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 2 business days or within 30 minutes for a fee
Costs
Free to use or within minutes with a fee as low as $2.99 per transfer
Albert is a banking app that offers overdraft protection from $25 to $250. What makes Albert different is its Genius feature. Genius is a technology-driven, human-backed financial service that can build a custom investment portfolio based on your goals, but it costs $12.49 a month when billed yearly, or $14.99 a month when billed monthly.
Unlike other cash apps, Albert automatically enrolls all new borrowers in a free 30-day trial of Genius in order to use the app to get free advances. To prevent getting charged on the next renewal, you'll need to cancel Genius within the 30-day trial period.
Loan amount
$25 - $250
Turnaround time
Instant
Costs
$11.99 monthly subscription to access overdraft protection
Available in all states
Albert is a banking app that offers overdraft protection from $25 to $250. What makes Albert different is its Genius feature. Genius is a technology-driven, human-backed financial service that can build a custom investment portfolio based on your goals, but it costs $12.49 a month when billed yearly, or $14.99 a month when billed monthly.
Unlike other cash apps, Albert automatically enrolls all new borrowers in a free 30-day trial of Genius in order to use the app to get free advances. To prevent getting charged on the next renewal, you'll need to cancel Genius within the 30-day trial period.
Pros
Offers investment help
No credit check required
No late fees or inactivity fees
Cons
Genius subscription required
A pattern of customer complaints
No customer service phone number
Instant transfer fees not listed
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
Brigit is one of the few apps that allows you to extend your due date if you can't make your repayment. You can extend your due date up to three times, making it a useful option if you need flexible repayment options. Standard funding takes up to three business days, or you can opt to get your money in as little as 20 minutes for a small fee.
With more than 4 million users, Brigit's standard cash advance and overdraft protection features won't cost you extra, but you have to pay a monthly membership fee ranging from $8.99 to $14.99.
Loan amount
$50 - $250
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
Brigit is one of the few apps that allows you to extend your due date if you can't make your repayment. You can extend your due date up to three times, making it a useful option if you need flexible repayment options. Standard funding takes up to three business days, or you can opt to get your money in as little as 20 minutes for a small fee.
With more than 4 million users, Brigit's standard cash advance and overdraft protection features won't cost you extra, but you have to pay a monthly membership fee ranging from $8.99 to $14.99.
Pros
Auto overdraft protection
No interest or fee on cash advance
Due date extensions available
Cons
$8.99 to $14.99 monthly membership fee
Standard delivery may take up to two business days
Loan amount
$50 to $250
Loan Term
Until your next payday, but can extend
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
Loan amount
$50 - $250
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
Cash App is full of banking features, including early paycheck arrival and investing options. Its latest feature is called Borrow, which the app hasn't officially launched yet.
Currently, qualified users can borrow small loans from $20 to $200. It's still in the early stages, so it's not widely available just yet, and you'll likely need to live in an eligible state, have good credit, and be an active user.
And while Cash App is a widely-known app and highly ranked, it does have a lot of negative reviews on Trustpilot, mostly related to users accidentally sending money to a scam account or issuing refunds if money is accidentally sent to the wrong account. The Better Business Bureau has, on the other hand, given it an independent A+ rating, despite negative customer reviews.
Loan amount
$20 - $200
Turnaround time
Same day
Costs
5% flat fee
Available in all states
Cash App is full of banking features, including early paycheck arrival and investing options. Its latest feature is called Borrow, which the app hasn't officially launched yet.
Currently, qualified users can borrow small loans from $20 to $200. It's still in the early stages, so it's not widely available just yet, and you'll likely need to live in an eligible state, have good credit, and be an active user.
And while Cash App is a widely-known app and highly ranked, it does have a lot of negative reviews on Trustpilot, mostly related to users accidentally sending money to a scam account or issuing refunds if money is accidentally sent to the wrong account. The Better Business Bureau has, on the other hand, given it an independent A+ rating, despite negative customer reviews.
One@Work (formerly Even) is a budgeting app that offers up to 50% advances on wages you've already earned through its Instapay feature. The service is free for employees if employers have configured these benefits in the Instapay app. A small fee will apply if not. On top of this, One@Work helps you stick to a budget by alerting you about upcoming bills and how much you need for them. Your employer determines how often you can take an Instapay and how much of your net earnings you can access.
Loan amount
Up to 50% of earned wages
Turnaround time
Same day if employer has configured this benefit. If not, small fee applies
Costs
Free
Available in all states
One@Work (formerly Even) is a budgeting app that offers up to 50% advances on wages you've already earned through its Instapay feature. The service is free for employees if employers have configured these benefits in the Instapay app. A small fee will apply if not. On top of this, One@Work helps you stick to a budget by alerting you about upcoming bills and how much you need for them. Your employer determines how often you can take an Instapay and how much of your net earnings you can access.
Pros
Instant funding available through a connected bank or Walmart
Helps you stay on top of bills
Cons
Available through select employers only
Advance limited to wages you've already earned
Loan amount
Up to 50% of earned wages
Loan Term
Varies
Turnaround time
Same day if employer has configured this benefit. If not, small fee applies
Loan amount
Up to 50% of earned wages
Turnaround time
Same day if employer has configured this benefit. If not, small fee applies
B9 is one of the few cash advance apps that offers an FDIC-insured cashback Visa card. Additionally, B9 doesn't charge fees or require tips when you request an advance.
But you'll have to join either their B9 Advance plan at $9.99 a month or B9 Premium plan at $19.99 a month to access cash advance benefits. Some extra benefits in the premium plan include a credit score simulator and credit reporting. B9 isn't the cheapest option out there, but it may be worth it if you need larger advances sooner.
Loan amount
$30 - $500
Turnaround time
Instant
Available in all states
B9 is one of the few cash advance apps that offers an FDIC-insured cashback Visa card. Additionally, B9 doesn't charge fees or require tips when you request an advance.
But you'll have to join either their B9 Advance plan at $9.99 a month or B9 Premium plan at $19.99 a month to access cash advance benefits. Some extra benefits in the premium plan include a credit score simulator and credit reporting. B9 isn't the cheapest option out there, but it may be worth it if you need larger advances sooner.
Possible Finance is another mobile app, but unlike Dave, it offers short-term installment loans — not cash advances. You can borrow up to $500, the same maximum amount as Dave, but without that monthly membership fee. Additionally, Possible reports to two of the three credit bureaus, so there's a chance to build your credit with timely payments. Dave doesn't offer any credit-building services.
However, Possible charges $15 to $20 per $100 borrowed, depending on your state, with rates reaching 460% APR in some cases. This rate makes it significantly more expensive than Dave's, even if you pay a fee for instant funding. However, the loan term can be much longer than a cash advance, with up to eight weeks to repay the loan. Most cash advance apps automatically deduct the repayment when your next paycheck clears.
Loan amount
$50 - $500
Turnaround time
As fast as 1 business day
Available in: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington
Possible Finance is another mobile app, but unlike Dave, it offers short-term installment loans — not cash advances. You can borrow up to $500, the same maximum amount as Dave, but without that monthly membership fee. Additionally, Possible reports to two of the three credit bureaus, so there's a chance to build your credit with timely payments. Dave doesn't offer any credit-building services.
However, Possible charges $15 to $20 per $100 borrowed, depending on your state, with rates reaching 460% APR in some cases. This rate makes it significantly more expensive than Dave's, even if you pay a fee for instant funding. However, the loan term can be much longer than a cash advance, with up to eight weeks to repay the loan. Most cash advance apps automatically deduct the repayment when your next paycheck clears.
With Dave you get access to cash advances up to $500 within 5 minutes, while many apps limit advances to around $250 per pay period. The app also offers a checking account with no overdraft fees, and a feature called Side Hustle, which can help you find local jobs for extra cash. Dave is accredited with the BBB, carrying a A+ rating, but does have poor customer reviews on the BBB profile and over 1,250 BBB customer complaints in the last three years. It also doesn’t have a Trustpilot profile, so insight is limited.
Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto.
Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt.
Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others.
Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio
Bethany's expertise
Bethany has written 449 Finder guides across topics including:
Loan application may differ from one lender to another. To apply from any of the lenders from this page, you may directly visit their website and see if they have online application so you can do it over the internet. You may also reach out to their support team to check if they have other ways on how to apply.
Unemployed and need to borrow money? You may qualify for one of these loans or cash advance apps.
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Loan application may differ from one lender to another. To apply from any of the lenders from this page, you may directly visit their website and see if they have online application so you can do it over the internet. You may also reach out to their support team to check if they have other ways on how to apply.
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