$500+ in monthly direct deposits into B9 account, checking account, ITIN or SSN, government-issued photo ID
Up to 100% of your paycheck advances
Instant advance with no advance-related fee
Nonresidents may qualify with an ITIN
Up to $19.99 in monthly membership fees
Must get paid at least $500 via direct deposit to your B9 account
Few additional features compared to other cash advance apps
Monthly fee makes it expensive for occasional advances
How B9 works: Fees, features and requirements
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.
Fees and details
Maximum withdrawal: Up to 100% of your paycheck
Cost: $9.99 or $19.99 monthly membership fee
Turnaround: Instant, once account is set up
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:
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 cash 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 cash advance apps
B9 offers faster, larger advances and charges lower fees than similar apps like Brigit and Dave.
$300 with advance membership
Up to 100% of your paycheck with premium membership
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.
B9 receives mostly positive reviews
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 cash 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 cash advance
Typical payday loan
Up to 100% of your paycheck
Up to $1,000 — and most states only allow one at a time
Instant, after account is set up
Next business day or same day if you apply in person
Set up a B9 account
Connect to direct deposit
Wait for B9 to notify you when you’re eligible for an advance
Fill out a simple application online or in person
Submit required documents
Receive funds as cash, check, money order or deposited into account
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.
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.
Anna Serio is a lead editor at Finder, specializing in consumer and business financing. A trusted lending expert and former certified commercial loan officer, Anna's written and edited more than 1,000 articles on Finder to help Americans strengthen their financial literacy. Her expertise and analysis on personal, student, business and car loans has been featured in publications like Business Insider, CNBC and Nasdaq, and has appeared on NBC and KADN. Anna holds an MA in Middle Eastern studies from the American University of Beirut and a BA in Creative Writing from Macaulay Honors College at Hunter College, CUNY.
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