Super.com is a financial and travel savings app that also offers cash advances up to $250 for eligible users. Like many similar apps, there’s no interest, late fees or credit checks, and you’ll typically repay advances on your next payday. But it requires a Super+ membership for $15 a month and charges fees up to $6.99 for same-day transfers.
While there are many fans of Super, there are a number of similar cash advance apps on the market you may want to explore. Some offer lower fees, larger loan amounts or have other useful features to consider.
Most cash advance apps, including Super.com, require you to repay your advance on your next payday. But Varo gives users up to 30 days to pay it back, and it offers larger advances, as high as $500. It also doesn't charge a monthly subscription fee, and all transfers are instant. But you'll need at least $800 a month in qualified direct deposits, and fund transfer fees can reach as high as $40.
Loan Amount
$20 - $500
Turnaround time
Instant, once qualified
Costs
No membership fee, transfer fee up to $40
Most cash advance apps, including Super.com, require you to repay your advance on your next payday. But Varo gives users up to 30 days to pay it back, and it offers larger advances, as high as $500. It also doesn't charge a monthly subscription fee, and all transfers are instant. But you'll need at least $800 a month in qualified direct deposits, and fund transfer fees can reach as high as $40.
Super.com only offers advances up to $250, but Current can spot you as much as $750 per pay period. It also doesn't charge a monthly subscription fee, and it offers fee-free overdraft protection, a credit builder card, budgeting tools and other banking features. But it requires direct deposit, with at least $500 a month in eligible deposits.
Loan Amount
$50 - $750
Turnaround time
Up to 3 days or within an hour for a fee
Costs
Free
Not available in: Wisconsin
Super.com only offers advances up to $250, but Current can spot you as much as $750 per pay period. It also doesn't charge a monthly subscription fee, and it offers fee-free overdraft protection, a credit builder card, budgeting tools and other banking features. But it requires direct deposit, with at least $500 a month in eligible deposits.
EarnIn is a financial app that allows employees to access wages they've earned but haven't been paid for yet. Advances can reach as high as $1,000 — much higher than Super.com — and there's no monthly subscription required. Fund transfers only take one to two business days for no charge, or you can get it within minutes for a fee, which starts at only $2.99. But you'll need to make at least $320 per pay period and you can only access up to $150 a day. Plus, you'll need a work email or a fixed job location to qualify.
Loan Amount
Up to $1,000
Turnaround time
1 to 2 business days or within 30 minutes for a fee
Costs
Free to use or within minutes with a fee as low as $3.99 per transfer
Not available in: Connecticut
EarnIn is a financial app that allows employees to access wages they've earned but haven't been paid for yet. Advances can reach as high as $1,000 — much higher than Super.com — and there's no monthly subscription required. Fund transfers only take one to two business days for no charge, or you can get it within minutes for a fee, which starts at only $2.99. But you'll need to make at least $320 per pay period and you can only access up to $150 a day. Plus, you'll need a work email or a fixed job location to qualify.
Pros
Advances up to $1,000
No mandatory fees
Fast free transfers
Cons
Requires a work email or a fixed job location
Must get paid by direct deposit
Earn at least $320 per pay period
Loan amount
Up to $150/day, with a max of $1000 between paydays
Loan Term
1 to 4 weeks
Turnaround time
1 to 2 business days or within 30 minutes for a fee
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.
Loan Amount
Up to $1,000
Turnaround time
1 to 2 business days or within 30 minutes for a fee
Costs
Free to use or within minutes with a fee as low as $3.99 per transfer
While Super.com requires proof of consistent income to qualify for advances, Cleo is more flexible and welcomes freelance and gig workers who may have less predictable earnings. Advance amounts are the same as Super, up to $250, although its monthly subscription is only $5.99. But its same-day cash advance fees are a little pricier, free transfers could take up to four days and newer users can typically only qualify for $20 to $100 advances.
Loan Amount
$20 - $250
Turnaround time
3 to 4 days or instant for a fee.
Costs
$5.99 monthly membership fee to access cash advances
Available in all states
While Super.com requires proof of consistent income to qualify for advances, Cleo is more flexible and welcomes freelance and gig workers who may have less predictable earnings. Advance amounts are the same as Super, up to $250, although its monthly subscription is only $5.99. But its same-day cash advance fees are a little pricier, free transfers could take up to four days and newer users can typically only qualify for $20 to $100 advances.
Pros
Accepts self-employed and gig workers
Lower monthly fee
Tools for saving and credit building
Cons
Up to $9.99 for same-day advances
Free transfers may take up to 4 days
New users don't qualify for the highest advance limit
Loan amount
Up to $250
Loan Term
Next deposit
Turnaround time
3 to 4 days or instant for a fee.
Loan Amount
$20 - $250
Turnaround time
3 to 4 days or instant for a fee.
Costs
$5.99 monthly membership fee to access cash advances
Chime offers larger advances than Super.com — up to $500 — and there's no monthly subscription required. Plus, instant transfers are only $2, making it an all-around more affordable choice. But you need a Chime checking account, it requires direct deposit and it's not available in all states.
Loan Amount
$20 - $500
Turnaround time
Within 24 hours or $2 for instant transfers
Costs
No subscription fees
Not available in: Colorado, Connecticut, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, Montana, Nevada, New Jersey, New Mexico, South Dakota, Vermont, Washington, Wisconsin, Wyoming
Chime offers larger advances than Super.com — up to $500 — and there's no monthly subscription required. Plus, instant transfers are only $2, making it an all-around more affordable choice. But you need a Chime checking account, it requires direct deposit and it's not available in all states.
Pros
No monthly subscription fee
Advances up to $500
$2 instant transfers
Cons
Requires direct deposit
Need a Chime checking account
Not available in all states
Loan amount
Up to $500
Loan Term
Until next deposit
Turnaround time
Within 24 hours or $2 for instant transfers
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 $2 per advance or get funds for free within 2 days. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.
Super.com offers advances up to $250 with no interest or late charges. It also has travel savings, credit-building tools, cashback rewards and other features. However, as far as its cash advance feature goes, it really doesn’t stand out against the competition. Its monthly fee is steeper than most, and its advance limits are on the low side.
Pros
Advances up to $250
No interest or late fees
Offers travel savings and cashback rewards
Cons
$15 monthly subscription required
Instant transfer fees up to $6.99
Requires direct deposit
Alternatives to cash advance apps
If Super.com or any of the other apps included on our list aren’t the right fit for your needs, consider these alternatives for fast funding.
Personal loan. For larger loan amounts and longer terms, consider a personal loan from these top lenders. Rates are competitive for borrowers with good credit, and same-day funding may be an option.
Credit card cash advance. Cash advances from credit cards are quick and easy to get, but should only be used in an emergency due to high rates and fees.
Buy now, pay later (BNPL) app. For large purchases, BNPL apps can provide funding on the spot, allow you to pay over time and often don’t charge interest.
Employer advance. Your employer may be willing to spot you an advance and take it out of your next paycheck. Some companies have even partnered with apps like DailyPay and Payactiv to offer paycheck advances as a benefit to employees.
More alternatives to cash advance apps
We didn’t include lenders that offer short-term installment loans or payday loans on our list of alternatives to Super.com because interest rates can reach up to 400% or higher.
For small, short-term borrowing needs, cash advance apps like Super.com and the other apps on our list are typically much less expensive than payday or installment loans because they don’t charge interest or late fees.
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
Cleo is a budgeting app offering cash advances up to $250.
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