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B9 pay advance app review

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.

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Turnaround time


Product NameB9 pay advance app
Loan TermNot Stated
Turnaround TimeInstant
Requirements$500+ in monthly direct deposits into B9 account, checking account, ITIN or SSN, government-issued photo ID
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  • Receive up to 100% of your paycheck
  • Instant advance with no advance-related fee
  • Low monthly membership fee of $4.99
  • Nonresidents may qualify with an ITIN


  • Must get paid via direct deposit to your B9 account
  • Requires monthly income of at least $500
  • Few additional features compared to other pay advance apps
  • Monthly fee makes it expensive for occasional advances

How B9 works: Fees, features and requirements

B9 is a membership-based pay advance app that lets you get an advance on your full paycheck up to 15 days early. Like other pay 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: 100% of your paycheck
  • Cost: $4.99 monthly membership fee
  • Turnaround: Instant, once account is set up


B9 offers the following features in addition to pay 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


To qualify for a B9 pay 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 pay advance apps

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

B9 AppBrigitDave
Maximum withdrawal100% of paycheck$250$100
Fees$4.99 monthly membership fee$9.99 monthly membership fee
  • $1 monthly membership fee
  • $4.99 express delivery fee, optional
Turnaround timeInstantOne to two business days
  • Standard delivery: up to three business days
  • Express delivery: within eight hours
Next steps

When it comes to pay 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 pay 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 pay advanceTypical payday loan
Borrowing amountUp to 100% of your next paycheckUp to $1,000 — and most states only allow one at a time
Turnaround timeInstant, after account is set upNext 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$4.99 monthly membership feeFee of $15 to $25 per $100 borrowed
State availabilityNot available in all statesProhibited 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 pay advance app that doesn’t charge a monthly fee — or offers more features — could be a better choice.

Compare B9 to online short-term loan providers

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.

Name Product Filter Values Loan amount Turnaround time Requirements
B9 pay advance app
Up to 100% of your salary
$500+ in monthly direct deposits into B9 account, checking account, ITIN or SSN, government-issued photo ID
Withdraw 100% of your paycheck with no extra fee for instant funding.
OppLoans Installment Loans
$500 to $5,000
1 business day
Direct deposit, meet minimum income requirements, live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
$1,000 to $25,000
2 to 3 business days
Be employed, have a US bank account, live in a state where Stilt operates, hold one of the following visas: F-1 and OPT, H-1B, H4, O-1, L-1, TN, J-1, DACA or be a US citizen.
Get a fair loan designed for immigrants and nonresidents.
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, verifiable bank account, US citizen, ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
LendYou Short-term Loans
$100 to $2,500
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.

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