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.
$500
Max. Amount
Instant
Turnaround time
| Product Name | B9 pay advance app |
|---|---|
| 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 |
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.
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.
B9 offers the following features in addition to cash advances:
To qualify for a B9 cash advance, you must meet the following requirements:
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.
B9 offers faster, larger advances and charges lower fees than similar apps like Brigit and Dave.
| B9 App | Brigit | Dave | |
|---|---|---|---|
| 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 |
|
| Turnaround time | Instant | One to two business days |
|
| 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.
| 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 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 cash advance | Typical payday loan | |
|---|---|---|
| Borrowing amount | Up to 100% of your paycheck | 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 |
|
|
| 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 |
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.
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.
B9 pay advance app is not currently available on Finder
Have you considered Brigit?
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
