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Best cash advance apps to get you to next payday

Compare our top eight picks to find one that works with your employment situation and budget.

Need cash before payday? The best cash advances apps offer low fees, same-day transfers, overdraft protection, financial planning tools and borrowing amounts of $250 or more. We looked at 16+ cash advance apps and weighed key factors like cash advance limits, monthly fees, instant transfers, eligibility requirements and how quickly you can access your money.

Here’s a closer look at our top eight picks.

  • Best for low fees: Dave
  • Best for free instant transfers: Brigit
  • Best for overdraft protection: Chime SpotMe
  • Best for smaller cash advances: Klover
  • Best for bigger cash advances: Earnin
  • Best for accessing your full paycheck: B9
  • Best for gig workers: Vola Finance
  • Best for budget planning: Even

Best for low fees: Dave

Dave

Dave is a low-cost banking app that offers cash advances of up to $250 every pay period. For $1 a month, Dave transfers funds to your bank account within three business days. For same-day transfers, you need to pay from $1.99 to $5.99.

Dave can also help you better track your finances: It notifies you when you're about to run out of funds and has an automatic budgeting feature so you can see your upcoming bills.

  • Available in all states

Best for free instant transfers: Brigit

Brigit

Brigit is a financial app that has a free and paid subscription. To get cash advances, you need to sign up for the paid plan, which costs $9.99 a month.

While this is pricier than Apps like Dave or Earnin, Brigit doesn’t charge any fees for same-day advances with an eligible linked debit card. With Brigit, you can borrow up to $250 each pay period and it will monitor your bank account and send an advance automatically if you're at risk of an overdraft.

  • Available in all states

Best for overdraft protection: Chime SpotMe

Chime SpotMe overdraft

Chime SpotMe is a no-fee service offered through Chime that provides overdraft protection of up to $200 for your Chime Checking account. To qualify for an advance, you need to make $200 in qualifying direct deposits into a Chime checking account in the last 34 days.

Limits also start at a low $20 — but with regular deposits and a solid account history, this limit can increase to $200. And if you receive your paycheck via direct deposit to your Chime Checking Account, you can get your paycheck up to two days early.

  • Available in all states

Best for smaller cash advances: Klover

Klover pay advance app

Klover is a subscription-based cash advance app that costs Optional Klover+ fee of $2.49 per month a month. It’s geared towards people who have regular income and only need small advances up to $100 each pay period — with the option to increase this to $130 for doing extra activities like taking surveys.

However, its expedited processing costs up to $9.99, which is more than other apps like Dave or Brigit — so it’s best for people looking for small advances who don’t need instant transfers.

Best for bigger cash advances: Earnin

Earnin

Unlike Dave or Brigit, Earnin lets you borrow a generous $100 a day, up to $500 every pay period, but your advance depends on the hours you've worked. There are no fees or tipping required to use Earnin, but you need to upload your work schedule. Normal transfer times are one business day or within minutes if you qualify for Earnin's Lightning Speed program — but some users might pay a fee for this.
  • Available in all states

Best for accessing your full paycheck: B9

B9 pay advance app

B9 is a cash advance app that offers up to 100% of your paycheck as soon as 15 days before your next payday. There's no fee to get your paycheck early and no requirement to tip when you request an advance — but you have to build your income and payment history with B9 before you can receive a full advance.

B9 charges a monthly membership fee of $9.99, which is the same as Brigit, but you can access more of your paycheck sooner — making it a better value for some.

  • Available in all states

Best for gig workers: Vola Finance

Vola Finance

Vola Finance is a monthly fee-based cash advance app, with its basic tier starting at $2.99 a month. But unlike other apps that require a work schedule, you don’t necessarily need to work regular hours to get a Vola advance.

As long as you maintain an average account balance over $150 and have deposits into the account, you may qualify for an advance of up to $300 at a time. In addition to cash advances, Vola can monitor your finances to help you avoid overdraft fees.

  • Available in all states

Best for budget planning: Even

Even

Even is a budgeting app that also offers a free advance on wages you've already earned through its Instapay feature. Instapay is part of Even's premium service — Even Plus — which costs $8 a month.

While you must work for an eligible employer to use it, Even lets you access up to 50% of your earned income. It also helps you stick to a budget by alerting you about upcoming bills and how much you need for them.

  • Available in all states

How cash advance apps work

Cash advance apps analyze your finances and offer cash advances of varying amounts — anywhere from $20 to $500 and up. 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

Because they offer advances based on your financial activity, these apps can be invasive. In addition to monitoring your bank accounts, some apps, like Earnin, require you to upload your work schedule or agree to location tracking to prove you’re at work.

On the plus side, cash advance apps often charge relatively low fees, don’t require good credit and don’t charge interest. Compared to payday and installment loans — which are often predatory in nature and charge high rates and fees equivalent to APRs over 300% — cash advance apps are usually less expensive.

How to find the best loan app

Here are six considerations when choosing a cash advance app:

  1. Customer reviews. Online reviews on Google Play, the App Store and Trustpilot are a great place 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.
  2. Fees. Compare monthly fees, tipping requirements and instant transfer fees. For example, if you do more than one instant transfer each pay period, you may be better off paying $9.99 a month for an app with free instant transfers versus a $1 a month app that charges for instant transfers.
  3. 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 need to set up direct deposit and establish a history of regular deposits.
  4. Instant transfer fees. Some apps, like Brigit, don’t charge a same-day transfer fee to a linked debit card, which means you can get your advances faster without having to pay for the convenience. This can be economical if you do multiple instant transfers per pay period.
  5. 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.
  6. Employer requirements. Most apps don’t require you to work for a specific employer, but apps like Even, Payactiv, FlexWage and Branch require that your employer supports the app.

Should I use a cash advance app?

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 want to avoid a cash advance app if you have trouble maintaining a positive bank balance. For example, if you borrow money and continue to spend — your app repayment could cause an overdraft when it’s withdrawn from your account.

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, providers like LendUp offer short-term loans at a lower cost than payday lenders, with a chance to build your credit.
  • Take out a credit card cash advance. If you have enough credit available, you can consider getting cash from an ATM in an emergency. Cash advance rates run high, so have a plan to pay it off sooner 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 — a typical $375 payday loan comes with $520 in fees and borrowers can stay in debt for as long as 11 months.

Compare local resources and more payday loan alternatives to explore more alternative funding options.

Bottom line

When used responsibly, cash advance apps can be a helpful tool for avoiding overdraft fees and maintaining a positive bank balance until payday arrives. Compare cash advance apps to find one that works with your employment situation and cash needs.

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