7 Apps Like Cleo for Fast Cash Advance in 2026

Cleo is a budgeting app that offers free personal financial management services and allows you to request cash advances ranging from $20 to $70 at first, then up to $250, if you establish a payment history to qualify. While you can request cash advances for free through Cleo’s customer service email, to make that request through the app, you have to subscribe to one of Cleo’s membership tiers, the lowest of which costs $5.99 monthly.

Cleo charges an express fee starting at $3.99 to fund the advance the same day. If you don’t want to pay that, you’ll have to wait three to four days for the money to hit your account. And to access credit builder tools through Cleo’s cash advance app, you’ll need to pay $14.99 monthly, which is higher than other apps.

If you’d rather find a cash advance app with lower membership fees or higher advances, consider our list of apps similar to Cleo to find what might work better for you.

Our 7 top picks for apps like Cleo

• Alternative for large cash advances: EarnIn
• Alternative for all-in-one money app: Albert Instant
• Alternative for instant delivery: Brigit
• Alternative for no monthly fee: Current
• Alternative for a spending account: Dave ExtraCash
• Alternative for credit building: Possible Finance Mobile Installment Loans
• Alternative for full paycheck advance: B9 pay advance app

Alternative for large cash advances

9.5 Excellent EarnIn

9.5 Excellent

Up to $150/day, with a max of $1000 between paydays

1 to 4 weeks

Free

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Why we like it EarnIn is a cash advance app that lets you borrow up to $1,000 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps, and unlike payday loans, there are no interest or financing fees to use Cash Outs. To qualify for EarnIn Cash Outs, you need to be employed, have regular direct deposits and earn a minimum of $320 each pay period. You can transfer $150 a day to a linked bank account. Regular transfers are available in one to three business days or in minutes for a fee. Pros & cons Pros No credit check required No interest or mandatory tipping Free credit score tracking included Cons Verification of employment earnings required Same-day (Lightning) transfers attract a fee Can only qualify with employment income Not ideal for gig workers

Alternative for all-in-one money app

8.8 Great Albert Instant

8.8 Great

$25 to $1,000

2 weeks

No subscription required

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Why we like it Albert is a popular all-in-one money app that provides up to $1,000 to members. You don't need a subscription to use Albert Instant, it's available to any eligible Albert member subject to eligibility requirements. Albert also offers optional subscription tiers which include extra tools like budgeting insights, automated savings, spending alerts, and other financial management features. Combined with Albert Instant, these features help users manage short-term cash gaps and stay on top of their finances. Pros & cons Pros Advances up to $1,000 Transfer funds within minutes Cons No customer service phone number Mixed customer reviews

Alternative for instant delivery

8.4 Great Brigit

8.4 Great

$50 to $500

Until your next payday, but can extend

Brigit Plus: $8.99/month; Brigit Premium: $14.99/month

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Why we like it Brigit offers advances within 20 minutes of the request if you're enrolled in the membership, have a linked card and pay an extra fee. You can get up to $500 per pay period with no late fees and extend your due date up to three times. However, Brigit may only be worth it if you need advances often, since the paid membership costs $8.99 to $14.99 per month. Like Cleo, Brigit has additional features, like a credit-builder program and budgeting and monitoring tools. You can also sign up for overdraft protection. Additionally, Brigit has earned recognition from the BBB for having a 100% response rate but has a B rating with the BBB over the high volume of complaints filed against the business. It has also received poor reviews on Trustpilot. Pros & cons Pros Delivery as soon as 20 minutes Competitive advance amount No interest or late fees Option to extend due date Cons $8.99 to $14.99 monthly membership Mixed customer reviews

Alternative for no monthly fee

8.7 Great Current

8.7 Great

$50 to $1,000

Next deposit

Free

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Why we like it Current's cash advance feature lets you borrow up to $1,000 from your upcoming paycheck with no monthly fees, no interest, and no credit check. You'll need to receive at least $500 in qualifying direct deposits into your Current account to be eligible, and repayment happens automatically with your next paycheck. There's no cost unless you choose instant delivery, making it a low-risk option for short-term cash needs. Pros & cons Pros Quick approval and funding No interest or credit checks No monthly fee Cons Requires a Current account Must verify employment and income

Alternative for a spending account

8.5 Great Dave ExtraCash

8.5 Great

Up to $500

Varies

Undisclosed

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Why we like it Dave offers cash advances through its ExtraCash advance product, up to $500, with no interest charges or late fees. Dave does require a Up to $5 monthly membership to access ExtraCash, but it's still much more affordable than many other cash advance apps. And like other apps, tipping is optional. Dave offers two delivery speeds. The instant speed can cost $1.99 to $11.99, depending on the size of your advance. The standard delivery comes with no extra fee but a turnaround time of two to three days. Dave also offers extra perks, such as a gig connection service and budgeting features. Pros & cons Pros Higher borrowing amount than competitors No interest or late fees Banking and budgeting features Cons Requires paid membership Instant delivery fee varies

Alternative for credit building

Not scored yet Possible Finance Mobile Installment Loans

Not scored yet

$50 to $500

~8 weeks (4 installments)

Varies by state, but typically $10 to $25 per $100 borrowed

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Why we like it Like Cleo, Possible Finance is a mobile app, but it offers short-term installment loans instead of cash advances. You can borrow up to $500 without a monthly membership fee, and Possible reports your activity to two of the three credit bureaus. So, there's a chance to build your credit with timely payments. However, Possible is not cheap. It charges $15 to $20 per $100 borrowed, depending on your state, with rates reaching 200% APR in some cases. This rate makes it significantly more expensive than Cleo, even if you pay a fee for instant funding. However, the loan term can be much longer than a cash advance, with up to eight weeks to repay the loan. Most cash advance apps automatically deduct the repayment when your next paycheck clears. Pros & cons Pros Reports to two credit bureaus Longer repayment terms than cash advances No monthly membership fee Cons APRs can reach 460% Costs vary by state Limited state availability

Alternative for full paycheck advance

Not scored yet B9 pay advance app

Not scored yet

Basic: up to $250/pay period. Premium: up to $1,000/pay period. New users typically start between $10 to $50.

Not Stated

Basic: $5.99/month. Premium: $19.99/month (or as little as $7.99/month if paid annually). Optional fees apply for instant external transfers (e.g., to Cash App or Venmo) — not included in membership price.

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Why we like it B9 offers cash advances of up to 100% of your earnings, which is one of the largest advances offered by apps. To qualify, you must have a positive account balance and direct deposit set up, and when you're deemed eligible, it alerts you in the app that you have an available advance. B9 also accepts an ITIN instead of an SSN and offers customer support in English and Spanish. While B9's advances don't have fees, it still isn't free — you'll have to enroll in a $11.99 or $19.99 monthly membership, one of the most expensive memberships compared to other apps. For people who don't need cash advances that often, the monthly membership fee may not be worth the cost. And there aren't many reviews for B9, so there's little insight into its customer experience. Pros & cons Pros Advance up to 100% of your paycheck Instant delivery available No SSN required English and Spanish customer support Cons $11.99 or $19.99 monthly membership fee Not many customer reviews

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How does Cleo compare?

If you only need cash advances for small amounts and like using Cleo’s different budgeting tools, it may be worth paying the $5.99 monthly membership fee. But other apps may offer higher cash advances and lower fees than Cleo.

But compared to predatory payday loans — which charge extremely high interest rates and fees — Cleo is likely a cheaper option since it doesn’t charge any interest on balances owed.

Alternatives to cash advance apps for Cleo customers

Cash advances aren’t for everyone. You typically only get the money until your next payday, and most apps only offer small amounts of money — some as low as $20 — until you’ve used the app enough to earn more.

If those terms won’t help enough when you need emergency funds, consider the following alternatives:

• Credit card advance. Most credit cards allow you to withdraw cash when you need it. You’ll probably be allowed to withdraw more than you can get through a cash advance app, though you’ll have to pay a transaction fee and a special interest rate. But not all credit cards treat advances the same. If you think you’ll use this feature more than once, you may want to consider a card like the PenFed Platinum Rewards Visa Signature® Card that offers a lower-than-average cash advance rate.
• Local resources. Check local government programs at the city, county and state level that might help you cover monthly bills, such as your rent or utilities. This can also be a way to get out of a cash advance cycle if you find yourself needing help more months than not.
• Credit counseling. If you find yourself in a cycle of constantly taking out cash advances to keep your bills paid, you may consider credit counseling. A counselor can help establish a budget to make sure your bills are paid and your spending is in line with your income.

These cash advance apps that work like Cleo aren’t your only means of getting a short-term loan when you need it. Compare other cash advance apps or payday loan alternatives before you make a final decision.

To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.

Written by

Heather Petty

Staff writer

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Heather Petty was a personal finance writer at Finder, specializing in home and personal loans. After falling victim to a disreputable mortgage broker when buying her first home, she’s on a mission to help readers avoid similar experiences when managing their own finances. A self-proclaimed word nerd, her writing and analysis has been featured on MSN, Credit.com and MediaFeed, among other top media. Heather previously worked as a technical writer and editor for the casino systems industry and is an internationally published young adult mystery author. She earned a BA in English with a minor in journalism from the University of Nevada, Reno. See full bio

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