Cash advance apps are a convenient way to borrow small amounts of money before payday — typically between $20 to $500 or more. Unlike other types of loans, cash advance apps don’t charge interest. Instead, you pay for a monthly subscription, or optional tip, although some apps are free aside from expedited transfer fees. This generally makes them cheaper than payday and installment loans, which often charge APRs of 400% and up.
Best cash advance apps
Here are 8 of the best apps to help you make it to payday. You can also scroll down to watch our video breakdown after the list.
15+ cash advance products reviewed by our team of experts
20+ years of combined experience covering financial topics
We're big on editorial independence. That means our content, reviews and ratings are fair, accurate and trustworthy. We don't let advertisers or partners sway our opinions. Our financial experts put in the hard work, spending hours researching and analyzing hundreds of products based on data-driven methodologies to find the best accounts and providers for you. Explore our editorial guidelines to see how we work.
EarnIn is a free app that lets you borrow $150 a day — or more with an EarnIn Card — up to $1,000 per pay period, with no monthly subscription fee. With EarnIn, your advance amount depends on the hours you've worked, which you can verify in a few ways.
While no subscription fee or tipping is required to use EarnIn, you need to provide a work schedule, a work email address or GPS earnings so EarnIn can view what you've made. Normal transfer times are up to two business days or within minutes if you use EarnIn's Lightning Speed service, starting at $3.99 per transfer.
Loan Amount
Up to $1,000
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 $3.99 per transfer
Not available in: Connecticut
EarnIn is a free app that lets you borrow $150 a day — or more with an EarnIn Card — up to $1,000 per pay period, with no monthly subscription fee. With EarnIn, your advance amount depends on the hours you've worked, which you can verify in a few ways.
While no subscription fee or tipping is required to use EarnIn, you need to provide a work schedule, a work email address or GPS earnings so EarnIn can view what you've made. Normal transfer times are up to two business days or within minutes if you use EarnIn's Lightning Speed service, starting at $3.99 per transfer.
Pros
Higher advance limit than other apps
Lightning Speed fees are lower than some other apps
No monthly subscription required
Cons
Cash advance limited to the hours already worked
Must upload a work schedule to show your hours
Transfers over $150 are only available with an EarnIn Card
Loan amount
Up to $150/day, with a max of $1000 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 $1,000
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 $3.99 per transfer
Unlike most cash advance apps that top out at around $250 to $500, Current offers advances up to $750. And it doesn't charge a monthly subscription, which also puts it ahead of the competition. Plus you can trade crypto on your current account.
You just need at least $500 in eligible deposits and to get paid by direct deposit to qualify. Advances are typically deposited within three days or you can get it the same day for a fee.
Loan Amount
$50 - $750
Turnaround time
Up to 3 days or within an hour for a fee
Costs
Free
Not available in: Wisconsin
Unlike most cash advance apps that top out at around $250 to $500, Current offers advances up to $750. And it doesn't charge a monthly subscription, which also puts it ahead of the competition. Plus you can trade crypto on your current account.
You just need at least $500 in eligible deposits and to get paid by direct deposit to qualify. Advances are typically deposited within three days or you can get it the same day for a fee.
Cleo is an AI-powered budgeting and cash advance app that could work well for gig workers and freelancers. Unlike other cash advance apps, you don't need to show a minimum amount of recurring deposits to qualify for cash advances.
As long as you have consistent income, you could qualify for cash advances up to $250 after you establish an income history. To get advances through Cleo, you'll need to pay a monthly subscription fee of $5.99 and same-day transfers cost between and $3.99.
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
Cleo is an AI-powered budgeting and cash advance app that could work well for gig workers and freelancers. Unlike other cash advance apps, you don't need to show a minimum amount of recurring deposits to qualify for cash advances.
As long as you have consistent income, you could qualify for cash advances up to $250 after you establish an income history. To get advances through Cleo, you'll need to pay a monthly subscription fee of $5.99 and same-day transfers cost between and $3.99.
Pros
Accepts gig work and freelance income
No credit checks or interest charges
Set monthly goals and track your spending
Cons
Monthly fee to access cash advances
Borrowing amounts limited to $20 to $70 initially
Mixed customer reviews
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
Brigit is a financial app that has a free and paid subscription. To get cash advances up to $250 per pay period, you must sign up for one of two paid plans: Plus or Premium. Both offer cash advances and payment extensions, but Premium gives you access to free instant transfers and Brigit's credit-builder program.
To request a payment extension, select the extend repayment option in the app and choose a date that works for you. Repayment extensions are available to users with at least two consecutive on-time payments before the request. You can store up to three payment extensions for use later.
Loan Amount
$50 - $250
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
Brigit is a financial app that has a free and paid subscription. To get cash advances up to $250 per pay period, you must sign up for one of two paid plans: Plus or Premium. Both offer cash advances and payment extensions, but Premium gives you access to free instant transfers and Brigit's credit-builder program.
To request a payment extension, select the extend repayment option in the app and choose a date that works for you. Repayment extensions are available to users with at least two consecutive on-time payments before the request. You can store up to three payment extensions for use later.
Pros
Store up to three repayment extensions at a time
Get a payment extension for every two on-time payments
Offers up to $1 million in identity-theft protection
Cons
$8.99 to $15.99 monthly subscription fee
Advances are limited to $250 per pay period
Some users complain it's hard to cancel the service
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.
Chime MyPay is a popular banking app that offers cash advances of up to $500. Unlike many apps, it doesn't require a monthly subscription to qualify for advances, and all fast transfers are a flat $2 fee. Or you can get it within 24 hours for free. It also offers free credit building, high-yield savings and free overdraft protection.
All you need is a Chime checking account and activated debit card to qualify. And it only requires $200 in eligible direct deposits. But to qualify for larger advances, you'll typically need bigger deposits, and it's not available everywhere yet.
Loan Amount
$20 - $500
Turnaround time
Within 24 hours or $2 for instant transfers
Costs
No subscription fees
Not available in: Colorado, Connecticut, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, Montana, Nevada, New Jersey, New Mexico, South Dakota, Vermont, Washington, Wisconsin, Wyoming
Chime MyPay is a popular banking app that offers cash advances of up to $500. Unlike many apps, it doesn't require a monthly subscription to qualify for advances, and all fast transfers are a flat $2 fee. Or you can get it within 24 hours for free. It also offers free credit building, high-yield savings and free overdraft protection.
All you need is a Chime checking account and activated debit card to qualify. And it only requires $200 in eligible direct deposits. But to qualify for larger advances, you'll typically need bigger deposits, and it's not available everywhere yet.
Pros
No monthly membership fee
$2 flat fee for fast transfers
Free credit building tools and more
Cons
Requires a Chime checking account
Must get paid by direct deposit
Not available in all states
Loan amount
Up to $500
Loan Term
Until next deposit
Turnaround time
Within 24 hours or $2 for instant transfers
MyPay™ line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS 2316451). MyPay eligibility: To be eligible for MyPay, you must receive Qualifying MyPay Direct Deposits to your Chime Checking Account as set forth in the MyPay Agreement. A Qualifying MyPay Direct Deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). Your MyPay Credit Limit and Available Advance Amount may change at any time. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. Instant funds: Option to get funds instantly for $2 per advance or get funds for free within 2 days. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.
Varo offers one of the longest repayment windows among cash advance apps, giving you a full 30 days to repay, more than double the time most apps allow. There are no monthly fees, no credit checks, no late fees and no tipping prompts, making it a low-stress way to borrow.
You can access between $20 and $500 with flat, transparent fees ranging from $1.60 to $40 depending on the advance amount. Plus, Varo provides same-day transfers directly to your Varo Bank account with no extra fees, so you get fast access to funds without surprise costs.
To qualify, you'll need an active Varo Bank account and at least $800 in qualifying direct deposits over the past 30 days.
Loan Amount
$20 - $500
Turnaround time
Instant, once qualified
Costs
No membership fee, transfer fee up to $40
Varo offers one of the longest repayment windows among cash advance apps, giving you a full 30 days to repay, more than double the time most apps allow. There are no monthly fees, no credit checks, no late fees and no tipping prompts, making it a low-stress way to borrow.
You can access between $20 and $500 with flat, transparent fees ranging from $1.60 to $40 depending on the advance amount. Plus, Varo provides same-day transfers directly to your Varo Bank account with no extra fees, so you get fast access to funds without surprise costs.
To qualify, you'll need an active Varo Bank account and at least $800 in qualifying direct deposits over the past 30 days.
Albert is a popular cash advance app that instantly provides up to $1,000 to members. You don't need a subscription to use the cash advance feature, it's available to any eligible Albert member with a connected bank account and consistent direct deposits. Eligibility is determined by your ongoing account history and activity.
Albert also offers optional subscription tiers which include extra tools like budgeting insights, automated savings, spending alerts, and other financial management features. Combined with the cash advance option, these features help users manage short-term cash gaps and stay on top of their finances.
Loan Amount
$25 - $1,000
Turnaround time
Instant
Costs
Optional $14.99 monthly subscription to access budgeting and basic savings
Available in all states
Albert is a popular cash advance app that instantly provides up to $1,000 to members. You don't need a subscription to use the cash advance feature, it's available to any eligible Albert member with a connected bank account and consistent direct deposits. Eligibility is determined by your ongoing account history and activity.
Albert also offers optional subscription tiers which include extra tools like budgeting insights, automated savings, spending alerts, and other financial management features. Combined with the cash advance option, these features help users manage short-term cash gaps and stay on top of their finances.
Pros
Advances up to $1,000
Free instant transfers to Albert Cash account
Saves you from overdraft fees
Cons
Fees to transfer funds to external account
Mixed customer reviews
Loan amount
Up to $1,000
Loan Term
Within 6 days of overdraft, with possible 7-day extension
Turnaround time
Instant
Loan Amount
$25 - $1,000
Turnaround time
Instant
Costs
Optional $14.99 monthly subscription to access budgeting and basic savings
ONE@Work, formerly Even, is an employer-sponsored financial app that lets you access up to 50% of your earned wages before payday. If your employer offers Instapay, advances are typically free and instant, otherwise, you may wait longer or pay a small fee. The app also helps you budget smarter by tracking upcoming bills and reminding you how much to set aside.
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 an employer-sponsored financial app that lets you access up to 50% of your earned wages before payday. If your employer offers Instapay, advances are typically free and instant, otherwise, you may wait longer or pay a small fee. The app also helps you budget smarter by tracking upcoming bills and reminding you how much to set aside.
Pros
Helps you stay on top of bills
Lets you access up to 50% of your paycheck
Same-day funding available at Walmart
Cons
Available through select employers only
Advance limited to wages you've already earned
May have to pay a fee for instant advances
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
Methodology: How we chose the best cash advance apps
Our team of loan experts looked at 16+ cash advance apps before narrowing it down to the best eight. We also regularly review and update our selections to make sure our picks are the best in the market and best suited for their categories.
Each app is weighed across 10 key metrics: Borrowing limits, monthly subscription fees, turnaround time, transfer fees, tip requirements, ease of use, state availability, additional financial features, ease of verifying accounts and overdraft protection features. We also consider customer reviews and Better Business Bureau accreditation.
Watch our video breakdown of the best cash advance apps available today:
Today we’re going to break down the best cash advance apps right now and what they actually cost to use. But before you download anything, here’s what you need to know. Most cash advance apps don’t let you borrow the maximum right away — you need to build a little history first. Some charge a monthly subscription, others ask for tips, and some are mostly free. Almost all, however, charge a small instant transfer fee if you want your money immediately. I’m going to roll through our top picks here, but if you want the full breakdown — fees, limits, and eligibility — you can read in-depth reviews of each app over on Finder.com. Alright, here are eight of the best cash advance apps for 2025 and why they made the list. First up, best for larger advances is Current. Most apps cap around $250 to $500, but Current goes up to $750, and there’s no monthly subscription fee. You can get your money for free if you wait a few days, or pay a small instant transfer fee if you want it right away. Next, best for a longer repayment window is Varo. Varo gives you a full 30 days to repay, which is twice as long as most competitors. There are no monthly fees, no tips, and no late fees, but instant transfers carry a flat fee ranging depending on your advance amount. Best for gig workers is Cleo. Perfect if you’re freelancing or driving for Uber, or doing any gig work. Cleo accepts gig income, so no direct deposit history is required. Subscription fees start at $5.99 a month, and instant transfers range from $3.99 to $14.99. Best for hourly employees is EarnIn. EarnIn lets you borrow based on the hours you’ve already worked, not just your paycheck. There’s no subscription or tipping required, but instant Lightning Speed transfers start at $3.99. Best for building a portfolio is Albert. Albert mixes cash advances of up to $1,000 per pay period with savings and investing tools. Cash advances don’t require a subscription, but some of its other tools do, starting at $14.99 and going up to $39.99. Instant transfers cost extra. Best for payment flexibility is Brigit. Brigit lets you extend your repayment date, which is rare. You’ll need a paid plan ($8.99 to $15.99 a month), but the premium plan gives you free instant transfers and a credit-builder program. Best for low fees is Chime MyPay. There’s no monthly fee, and instant transfers are a flat $2. You can get up to $500, all tied to your regular Chime checking account. Finally, best for budget planning is ONE@Work. If your employer offers it, you can get up to 50% of your earned wages instantly, usually for free. It also helps you budget by tracking bills and spending. So, bottom line: cash advance apps can be a cheaper lifeline than payday loans, but watch out for transfer fees and subscriptions. Always compare your options and only borrow what you need. You can see the full breakdown, fee charts, and expert picks on Finder.com.
How much a $100 cash advance will cost you
Cash advance apps do not charge interest rates. However, we’ve factored in subscriptions associated with each cash advance app to put together what an equivalent APR would look like for each provider.
This way, you can compare the cost of cash advance apps against other types of loans that charge interest rates. The equivalent APRs we show are what you’d pay on a $100 instant transfer cash advance with a 14-day repayment period, and tapping into the cheapest instant transfer fee offered.
Equivalent APRs on a $100 loan with a 14-day repayment period
Hot tip: If you don't need your funds the same day, APRs can be as low as 0% since some providers, like MoneyLion or EarnIn, don't charge monthly fees. But if you see yourself taking out frequent same-day cash advances, you can save money by choosing an app with low instant transfer fees.
Pros and cons of cash apps
Compared to payday and installment loans — which can be predatory and charge sky-high interest rates exceeding 400% or more — cash advance apps are a cheaper alternative to borrowing money.
Here are the main pros and cons of using a cash app.
Pros
No interest or finance fees charged. Unlike payday, installment and personal loans, cash apps don’t charge interest or finance fees.
Low or no fees. Most cash apps come with nominal fees, usually between $1 and $10 per month. Some charge no mandatory fees and only require you to pay for optional instant transfers.
No credit check. Unlike most loans, cash apps don’t require a credit check and have no minimum credit score to qualify. This is great if you have bad credit or no credit history.
Overdraft protection. Many cash apps monitor your bank balance and will alert you or send funds automatically if you’re at risk of an overdraft.
Good for emergencies. A cash app is generally a cheaper way to access small amounts of cash than using a credit card advance or in-store payday loan, which typically costs $10 to $30 per $100 borrowed.
Cons
Low amounts. Most apps only lend up to $250 or $500 per pay period. This is fine for smaller expenses but may not be enough to cover major ones like car repairs. Plus, not all users will qualify for the largest amounts.
Transfers can take a few days. Most cash apps offer free transfers, but they can take a few days. To get cash sooner, you typically have to pay a fee.
May overdraft your account. Cash advance apps automatically deduct money from your bank account to repay your cash advance, which could cause an overdraft if you’re not careful.
Can feel invasive. Cash apps require a link to your bank account to monitor your direct deposits, and some require you to upload your work schedule or enable GPS tracking to verify you’re at work.
May lead to dependency. Repeatedly borrowing against your paycheck can lead to poor financial habits that discourage you from spending wisely.
How cash advance apps work
Cash advance apps analyze your finances and offer cash advances of varying amounts — anywhere from $20 to $500 and sometimes more. How much you can borrow typically depends on a mix of the following factors:
Direct deposit history
Minimum bank balance
Number of hours worked
Spending habits
Upcoming bills
How to find the best cash advance app
Here are six considerations when choosing a cash advance app:
Customer reviews. Online reviews on the Better Business Bureau (BBB), Google Play, the App Store and Trustpilot are great places to get a sense of real-life customer experiences as well as how easy or difficult it is to qualify for advances and receive money.
Fees. Compare monthly fees and instant transfer fees. For example, if you do a lot of fast transfers, you’re better off with an app that charges low instant transfer fees. Chime MyPay, for example, only charges $2 for advances of any size.
Cash advance limits. Apps vary widely in how much you can borrow, with limits ranging anywhere from $20 to $500 and up. To get higher advance amounts, you typically need to set up direct deposit and establish a history of regular deposits.
Repayment requirements. Most apps automatically deduct what you owe from your next paycheck, but some apps, like Brigit, allow you to change or extend your repayment due date if you need more time. This can be helpful if you’re worried about overdrafts.
Employer requirements. Most apps don’t require you to work for a specific employer, but some apps like One@Work and Payactiv, require that your employer supports the app.
Security and hacks. While no app provider is 100% secure, most use 256-bit encryption and adhere to PCI DSS standards — the same used by all major banks. But hacks and data breaches can still occur, so it’s important to keep an eye out.
We currently don't have that product, but here are others to consider:
How we picked these
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You might be a good candidate for a cash advance app if:
You receive a biweekly paycheck that doesn’t align with your monthly billing cycle.
You regularly find yourself overdrafting your account and paying hefty fees.
You’re willing to pay extra for services that can improve your personal finances, such as credit-building programs.
You rarely need to borrow more than $250 per pay period.
You currently have bad credit or no credit history.
If you’re self-employed and don’t think you’ll be eligible for a cash advance app, you might check out Cleo, which welcomes self-employed and gig workers. Or, for larger loan amounts, read our guide to getting a loan while self-employed. Those who just started a new job or have a job offer, may want to consider your options as a new employee.
What if I can’t pay back my cash app advance?
If you can’t pay back your advance, your bank account will likely be overdrawn, leading to an overdraft fee. However, some apps, like Brigit, may let you change your due date if you foresee being unable to repay on time.
You’ll want to stay on top of your bank balance to make sure you don’t end up paying overdraft fees because of your cash advance app loan
Alternatives to cash advance apps
Cash advance apps can’t help in every situation. If you have irregular paychecks or need to borrow higher amounts, you may want to look into these alternatives:
Ask your employer for an advance. If you’re struggling to make ends meet, your employer is a logical place to ask for help. If it’s a one-time situation, HR may be willing to help by advancing part of your paycheck.
Consider a loan from a CDFI. You may be able to get a small-dollar, short-term loan at a lower cost than from a payday lender by going through a Community Development Financial Institution (CDFI). These are typically local banks or credit unions that serve low-income or rural areas.
Compare alternative short-term lenders. While more expensive than a personal loan from a bank, some providers offer short-term loans at a lower cost than payday lenders, with a chance to build your credit.
Take out a personal loan. If you need to borrow more than a cash advance app allows, you may want to consider a personal loan instead. But you’ll need good credit to get the best rates.
Take out a credit card cash advance. If you have enough credit available, you can get cash from an ATM or bank in an emergency. Cash advance rates run high, so have a plan to pay it off sooner rather than later.
Get a payday loan — as a last resort. If you’ve exhausted other options, payday lenders can get you cash as soon as the same day. But beware — rates are high and many payday borrowers wind up in a cycle of debt. You may want to consider OppLoans for a lower rate installment loan instead.
Buy Now Pay Later (BNPL) apps. While not a cash advance, BNPL apps let you purchase items you need and pay them off later. Choose from the best BNPL apps for cash-free purchases today.
A handful of cash advance apps can get you funds within minutes or a couple days or allow for instant cash pickup at storefront locations. But not all cash advance apps have an instant turnaround time — it may take up to three business days unless you pay an expedited transfer fee.
And keep in mind that “instant loans” usually come as a paycheck advance, which means they may only be available to users with a history of regular direct deposits. For example, it may require direct deposits from the same source for 60 to 90 days before you’re eligible for advances.
FAQs
No, cash advance apps don't charge interest. However, some apps charge monthly subscription fees and instant transfer fees which can result in relatively high equivalent APRs, depending on how much you borrow and how soon you have to pay back the advance.
Yes, several cash advance apps may let you borrow money right away. But you likely won't qualify for the maximum amount until you've established a history with the app, which could take several weeks or even months of repaying advances on time.
Kat Aoki was a personal finance writer at Finder, specializing in consumer and business lending. She’s written thousands of articles to help consumers make better decisions on their home loans, bank accounts, credit cards, cryptocurrency and more. Kat is well versed in working with leading brands in the real estate, mortgage and personal finance industries, and her expertise has been featured on Lifewire and financial comparison sites like iSelect and realestate.com.au. She holds a BS in business administration from California State University, Sacramento and enjoys hiking and yoga in her spare time.
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Cleo is a budgeting app offering cash advances up to $250.
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