6 cash advance apps that work with Varo

With its 24-hour cooling-off period between loans, Cleo allows you a new advance only one day after paying off your previous one. This is way faster than other cash advance apps that make you wait three to five days between advances. Cleo also lets you reschedule your payment due date once, if your finances change.

On the downside, Cleo's cash advance limit may be lower for those who aren't subscribed — and new users are approved for $20 to $70 at first.

• Available in all states

OppLoans offers personal loans to bad credit borrowers with no credit check. APRs on loans can reach up to 160% APR, but this may still be cheaper than a payday or installment loan. And funding is fast: you could get money the same-day you apply if your loan is approved before 12 p.m. CT.

OppLoans also offers higher loan amounts and longer repayment periods than the other cash apps on this list. Loans range between $500 to $4,000, with repayment terms between 9 to 18 months in most states. It also reports payments to the three major credit bureaus which can help boost your credit score.

• Not available in: Colorado, Connecticut, Georgia, Illinois, Iowa, Maine, Maryland, Massachusetts, Nevada, New Hampshire, New Jersey, New Mexico, New York, Pennsylvania, South Dakota, Vermont, West Virginia

If you want a cash advance app that offers a more traditional banking experience, look to MoneyLion. The app supports a range of products to help you build up your financial toolkit, including investment accounts, crypto accounts, credit builder loans and debit card rewards.

The standard cash advance limit is $500 — much higher than Varo. And you can unlock an additional $300 to $500 advance when you open a RoarMoney account or join Credit Builder Plus.

• Available in: Alabama, Arizona, California, Delaware, Florida, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Mississippi, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming

Klover offers up to $150 in cash advances up front, but you can earn $50 more—up to $200 in a cash advance—by watching ads, providing your data for anonymous market research and scanning receipts. Not only does Klover work with Varo, but its Balance Boost cash advance is very similar to Varo's advance program.

Neither Klover or Varo charge a membership fee to access the feature or charge interest on the advance. But where Varo charges a fee for any advance over $50, Klover only charges an express fee if you need the money the same day. The fee is a lot higher than its competitors, up to $12.49 for advances of $75 or more. But if you don't mind waiting two to three business days, your advance is free. You can also subscribe to Klover's Financial Management service for $3.99 a month, but you don't have to be subscribed to take advantage of Klover's Balance Boost.

• Available in all states

Dave is another popular cash advance app that works with Varo. Customers like it because it analyzes your spending patterns, helps you avoid over drafting and comes with early paydays — all of which can help you stay on budget. Beyond that, Dave's cash advance limit is $500 — $250 higher than Varo's. And you can use your Dave advance for anything.

There is a $1 monthly membership fee to access all of Dave's features, including ExtraCash, which is much lower than many other cash advance apps, but is higher than Varo, which doesn't require a membership fee. If you're okay waiting three to four days for your advance, it is free, But if you want it next day, Dave charges an express fee that ranges from $1.99 to $13.99, depending on the amount of your advance and whether the money is transferred to your Dave account or a third-party bank account.

• Available in all states

Empower is a cash advance app that can provide you up to $250 between paydays. You can also get free instant delivery when you accept funds onto your Empower debit card. But where Empower stands out is that it lets you set your own repayment date and reschedule it if your finances change without any kind of late fee.

If you use an external bank account like Varo, expect to pay up to $8 for one-hour funding. Otherwise, you can wait one business day for free standard delivery. You can get a 14-day free trial to try out Empower's features, but after that you'll be enrolled in an $8 monthly subscription fee.

• Available in all states