5 Apps Like OneBlinc for Fast Cash in 2026

Dave ExtraCash offers advances up to $500, which is double what you can get from OneBlinc. It also doesn't require you to get paid by direct deposit, making it more accessible for workers of all kinds. But Dave also charges a monthly subscription fee, and its fee for instant transfers can reach as high as $25.

• Available in all states

• Why we like it

  Dave ExtraCash offers advances up to $500, which is double what you can get from OneBlinc. It also doesn't require you to get paid by direct deposit, making it more accessible for workers of all kinds. But Dave also charges a monthly subscription fee, and its fee for instant transfers can reach as high as $25.

• Pros and cons

  Pros

  • Advances up to $500
  • No direct deposit required
  • No interest or late fees

  Cons

  • Instant transfer fees of up to $25
  • Requires a monthly membership fee
  • Typically smaller initial advances

• More details

  Loan amount	Up to $500
  Loan Term	Varies
  Turnaround time	Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee

EarnIn allows you to access advances based on the hours you've worked but haven't been paid for yet. You can get up to $150 per day and up to $1,000 per pay period. That's significantly more than you can get with OneBlinc, and it doesn't charge a monthly membership fee. But it doesn't disclose the fee for expedited transfers, and you have to upload your timesheets or otherwise verify your hours worked. Plus, advance amounts are dependent on your hourly wage and time worked.

• Not available in: Connecticut

• Why we like it

  EarnIn allows you to access advances based on the hours you've worked but haven't been paid for yet. You can get up to $150 per day and up to $1,000 per pay period. That's significantly more than you can get with OneBlinc, and it doesn't charge a monthly membership fee. But it doesn't disclose the fee for expedited transfers, and you have to upload your timesheets or otherwise verify your hours worked. Plus, advance amounts are dependent on your hourly wage and time worked.

• Pros and cons

  Pros

  • Advances up to $1,000 per pay period
  • Up to $150 a day
  • No monthly subscription required

  Cons

  • Must allow app to track your hours
  • Advance amounts depend on hours worked
  • Doesn't disclose instant transfer fees

• More details

  Loan amount	Up to $150/day, with a max of $1000 between paydays
  Loan Term	1 to 4 weeks
  Turnaround time	1–2 business days standard; minutes with Lightning Speed

• Partner terms and conditions

  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.

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.

• 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 and cons

  Pros

  • Advance up to $1,000
  • Transfer funds straight to your account within minutes

  Cons

  • Fees to transfer funds to external account
  • Mixed customer reviews

• More details

  Loan amount	$25 to $1,000
  Loan Term	2 weeks
  Turnaround time	Within minutes

• Partner terms and conditions

  Albert is not a bank. Savings account provided by Wells Fargo, N.A., Member FDIC. Albert plans start at $19.99/mo. Try for 30 days before you're charged. Fees auto-renew until canceled. Cancel in the app. Terms apply. Albert Instant Line of Credit is an unsecured line of credit issued by FinWise Bank, a Utah chartered bank, Member FDIC. Limits range from $25-$1,000. Draw fees apply. Terms and eligibility criteria including geographic restrictions apply. In some states, Albert may offer you an Albert Instant Advance instead. Limits range from $25-$1,000, subject to terms and eligibility criteria. No Albert subscription is required for Albert Instant Line of Credit or Albert Instant Advance. See Albert Terms of Use for additional important terms.

Cleo's advance amounts are the same as OneBlinc, but it doesn't require direct deposit. This feature makes it easier for freelancers, gig workers and others who don't have direct deposit to access cash advances. But if you do have direct deposit, Cleo ups its advance amounts to $500 for eligible borrowers. And you can extend your due date if needed. But Cleo also requires a monthly subscription, and advance limits typically start out low.

• Available in all states

• Why we like it

  Cleo's advance amounts are the same as OneBlinc, but it doesn't require direct deposit. This feature makes it easier for freelancers, gig workers and others who don't have direct deposit to access cash advances. But if you do have direct deposit, Cleo ups its advance amounts to $500 for eligible borrowers. And you can extend your due date if needed. But Cleo also requires a monthly subscription, and advance limits typically start out low.

• Pros and cons

  Pros

  • Direct deposit not required
  • Larger advances available with direct deposit
  • Allows a due date extension

  Cons

  • Requires a monthly subscription
  • Instant transfers may be higher than OneBlinc
  • Advance limits start low for new users

• More details

  Loan amount	$20 to $250
  Loan Term	Next deposit
  Turnaround time	3 to 4 days or instant for a fee.

Chime MyPay offers larger advances than OneBlinc, and it doesn't require a monthly subscription. The only fee Chime charges is 3% of the advance amount ($2 minimum, $5 maximum) for instant transfers of any size, and it's the cash advance app that's closest to free we can find. But you'll need a Chime checking account to qualify and get paid by direct deposit, and it's not available in all states yet.

• Not available in: Colorado, Connecticut, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, Montana, Nevada, New Jersey, New Mexico, South Dakota, Vermont, Washington, Wisconsin, Wyoming

• Why we like it

  Chime MyPay offers larger advances than OneBlinc, and it doesn't require a monthly subscription. The only fee Chime charges is 3% of the advance amount ($2 minimum, $5 maximum) for instant transfers of any size, and it's the cash advance app that's closest to free we can find. But you'll need a Chime checking account to qualify and get paid by direct deposit, and it's not available in all states yet.

• Pros and cons

  Pros

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

  Cons

  • Requires direct deposit
  • Need a Chime checking account
  • Not available in all states

• More details

  Loan amount	Up to $500
  Loan Term	Until next deposit
  Turnaround time	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)

• Partner terms and conditions

  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 a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance, or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. SpotMe: SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month. Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined limit of up to $200 or more based on member’s Chime account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH s, Pay Anyone s, or Chime Checkbook transactions. SpotMe terms and conditions. Early Pay: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Savings APY: The 3.75% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 0.75% APY will apply. The APYs are effective as of 02/26/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details.