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5 Apps Like Money App for Quick Cash Advances in 2026

Looking for larger advances or better features? Compare these other cash advance apps.

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By

Lacey Stark

Edited by

Megan B. Shepherd

Updated

Fact checked

Money App is a cash advance app that offers advances up to $250 and doesn’t charge monthly subscription fees as many other apps do. It’s essentially free unless you need an expedited transfer, which costs up to $15.99. Like most apps, it also doesn’t charge interest or late fees.

But it has some poor reviews, with customers complaining of a glitchy app, problems linking bank accounts and verification issues. Many users also say that while they used to get approved for advances, they’re no longer eligible. Plus, its advances are on the low end for these apps, and it really doesn’t have any other features to recommend.

So, if you’re looking for apps with larger loan amounts, more features and potentially more reliable technology, consider these apps that are similar to Money App but may have more to offer.

Our 5 top picks for apps like Money App

Best for no monthly fees

EarnIn logo
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

Like Money App, EarnIn also doesn't charge a monthly fee, but it offers advances up to $1,000 — $500 more than you can get with Money App. It also offers lower fees for instant transfers than Money App, from $2.99 to $5.99. To qualify for EarnIn, you need to have a job, get paid by direct deposit and earn at least $320 each pay period. But you'll need to upload timesheets or otherwise allow the app to track your hours worked, and you can only access up to $150 per day without an EarnIn card.

Pros

  • Advances up to $1,000
  • No monthly fee
  • No interest charges or credit checks

Cons

  • Verification of hours worked is required
  • Only $150 per day without EarnIn card
  • Requires direct deposit

Best for lowest fees

Chime logo
9.4 Excellent
Chime® MyPay®
9.4 Excellent
Up to $500
Until next deposit
No subscription fees; Instant transfer fee: 3% of the advance amount ($2 minimum, $5 maximum)
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Why we like it

Chime is a popular banking app, and its MyPay feature provides advances up to $500, which is more than Money App. Plus, it only charges 3% of the advance amount ($2 minimum, $5 maximum) for fast transfers of any amount, and free transfers arrive within 24 hours — quicker than most apps. But you need a Chime Checking account and debit card to qualify, and you have to get paid by direct deposit to your checking account.

Pros

  • Advances up to $500
  • Only 3% of the advance amount ($2 minimum, $5 maximum) for fast transfers
  • No monthly fees

Cons

  • Must have a Chime checking account and debit card
  • Requires direct deposit
  • Not available in all states

Best for gig workers

Cleo logo
8.2 Great
Cleo
8.2 Great
$20 to $250
Next deposit
$5.99 monthly membership fee to access cash advances
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Why we like it

Unlike most apps, including Money App, Cleo doesn't require direct deposit to qualify for advances. It also doesn't require minimum recurring deposits, making it ideal for gig workers, freelancers and other self-employed people. It offers advances for anyone up to $250, which is the same as Money App, but if you set up direct deposit, you can access up to $500. It charges a monthly fee of $5.99, and fast transfers may cost up to $8.99.

Pros

  • Direct deposit not required
  • Higher advance amounts with direct deposit
  • No minimum deposit requirements

Cons

  • Charges a monthly subscription
  • Up to $8.99 for fast transfers
  • Only $20 to $70 advances for first-time users

Best for flexible repayments

Current logo
8.7 Great
Current
8.7 Great
$50 to $1,000
Next deposit
Free
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Why we like it

Most apps, like Money App, require repayment by your next paycheck. But Current stands out by giving you up to 34 days to pay it back before it cuts off access to advances. It also offers fee-free overdraft protection up to $100 (for eligible users), and you can use it to trade crypto. Advances can be deposited into your Current account or an external bank account if you prefer. However, you can only request expedited transfers to a Current account, and it doesn't disclose the fees for fast transfers.

Pros

  • Advances up to $1,000
  • Flexible repayments
  • No monthly subscription required

Cons

  • Requires Current account for fast transfers
  • Undisclosed fast transfer fees

Best for larger advances

Cash App logo
Not scored yet
Cash App
Not scored yet
$20 to $500
Same day
5% flat fee
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Why we like it

Cash App Borrow lets you take advances up to $500, which is far more than Money App, and it doesn't require a monthly subscription, either. It also doesn't have a fee for fast transfers, like Money App does, because your money is transferred the same day you request it. But one of the downsides of Cash App Borrow is it's an invitation-only feature — you either have it or you don't, and you can't request it. Plus, there's a 5% transaction fee per advance, and it charges late fees. Still, all its banking features are free to use, and you'll only incur charges if you need an advance.

Pros

  • Advances up to $500
  • No monthly subscription required
  • Transfers arrive same day for free

Cons

  • Advance feature is by invitation only
  • 5% fee on advances
  • Charges a 1.25% weekly late fee
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How does Money App compare

While Money App doesn’t require a monthly membership to qualify for advances, its maximum loan amount is on the loan end at only $250. It also doesn’t have many other features like some apps. Plus, if you have a problem, your only recourse is a chatbot because it doesn’t give out a phone number or email address.

Pros

  • No monthly fee
  • Advances up to $250
  • Sends low balance warnings

Cons

  • No contact number or email address
  • Max advance is lower than many apps
  • Mixed customer reviews
Megan B. Shepherd's headshot
To make sure you get accurate and helpful information, this guide has been edited by Megan B. Shepherd as part of our fact-checking process.
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Written by

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Lacey Stark is a freelance personal finance writer for Finder, specializing in banking, loans, investing, estate planning, and more. She has 20 years of experience writing and editing for magazines, newspapers, and online publications. A word nerd from childhood, Lacey officially got her start reporting on live sporting events and moved on to cover topics such as construction, technology, and travel before finding her niche in personal finance. Originally from New England, she received her bachelor’s degree from the University of Denver and completed a postgraduate journalism program at Metropolitan State University also in Denver. She currently lives in Chicagoland with her dog Chunk and likes to read and play golf. See full bio

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