Tilt (formerly Empower) is a financial services company that offers up to $400 cash advances with no credit checks or interest. But to get advances, you need to pay a monthly membership fee of $8. This fee covers instant transfers to your Tilt card, or transfers to your linked bank account usually within one business day. Instant transfers to your bank account are also available but cost between $1 and $8 depending on the advance amount.
While many people like it, Tilt isn’t the only cash advance app on the block. These other apps like Tilt are similar, but may offer higher advance limits, lower fees and additional features like free overdraft, which could help you save.
Varo's cash advance gives you up to 30 days to repay, longer than many similar apps. You can borrow between $20 and $500 with no credit check, no late fees, and no tipping pressure. Funds are delivered instantly to your Varo Bank account once approved.
To qualify, you'll need at least $800 in qualifying direct deposits over the past 30 days and an active Varo Bank account in good standing. Fees are flat and transparent, starting at $1.60 and maxing out at $40, depending on the advance amount.
Loan Amount
$20 - $500
Turnaround time
Instant, once qualified
Costs
No membership fee, transfer fee up to $40
Varo's cash advance gives you up to 30 days to repay, longer than many similar apps. You can borrow between $20 and $500 with no credit check, no late fees, and no tipping pressure. Funds are delivered instantly to your Varo Bank account once approved.
To qualify, you'll need at least $800 in qualifying direct deposits over the past 30 days and an active Varo Bank account in good standing. Fees are flat and transparent, starting at $1.60 and maxing out at $40, depending on the advance amount.
Pros
30 day repayment window
No monthly membership fee
Same-day advances without extra fees
Cons
Fees can run as high as $40 depending on borrowed amount
If you're a freelancer or gig worker with multiple jobs, Cleo may be a good fit. Cleo is a financial budgeting app with a free and paid version. The free version offers a plethora of tools to help you track your spending and save more. The paid version offers the free features plus cash advances in the app, overdraft protection and cashback to your Cleo wallet.
What makes Cleo good for freelancers is that it doesn't require employment verification and has no minimum income requirement. As long as you have consistent income, you could qualify for cash advances. Its cash advance amounts start at $20 to $70, but could increase to $250 over time.
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
If you're a freelancer or gig worker with multiple jobs, Cleo may be a good fit. Cleo is a financial budgeting app with a free and paid version. The free version offers a plethora of tools to help you track your spending and save more. The paid version offers the free features plus cash advances in the app, overdraft protection and cashback to your Cleo wallet.
What makes Cleo good for freelancers is that it doesn't require employment verification and has no minimum income requirement. As long as you have consistent income, you could qualify for cash advances. Its cash advance amounts start at $20 to $70, but could increase to $250 over time.
Pros
No direct deposit requirements
No credit checks or interest charged
Free AI financial planner, bill tracker and low balance alerts
Cons
Monthly membership is $5.99
Same day transfers cost $3.99
First time users only eligible for up to $100
Mixed customer reviews
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
EarnIn is a popular wage-based app with no monthly fees. Unlike Tilt, EarnIn lets you borrow up to $150 a day and up to $1,000 every pay period on wages you've already earned. But as a wage-based app, the advance amount you qualify for depends on the number of hours you've already worked.
While it doesn't cost anything to use EarnIn, you need to upload your time schedule so it can track your hours. Normal transfer times are one business day — or within minutes if you use EarnIn's Lightning Speed service. This service costs between $2.99 and $5.99 per transfer, which, depending on the amount, is cheaper than Tilt and many other apps.
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 popular wage-based app with no monthly fees. Unlike Tilt, EarnIn lets you borrow up to $150 a day and up to $1,000 every pay period on wages you've already earned. But as a wage-based app, the advance amount you qualify for depends on the number of hours you've already worked.
While it doesn't cost anything to use EarnIn, you need to upload your time schedule so it can track your hours. Normal transfer times are one business day — or within minutes if you use EarnIn's Lightning Speed service. This service costs between $2.99 and $5.99 per transfer, which, depending on the amount, is cheaper than Tilt and many other apps.
Pros
Higher advance limit than other apps
Relatively low instant transfer fees
No monthly subscription fees
Cons
Can only request up to $150 a day
Cash advances depend on hours worked
Must upload a work timesheet
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
Albert is a banking and cash advance app that goes beyond what Tilt offers. It offers overdraft protection rather than cash advances, and amounts go up to $1,000 per pay period. But it also packs a mix of saving and investing tools to help beginners build a customized investment portfolio with just a few questions.
It offers investment advice through its Genius service, an AI-driven, human-supported add-on feature for Albert customers. The Genius service costs Optional $14.99 monthly subscription to access budgeting and basic savings a month, but you automatically get a free 30-day trial before deciding if it's right for your investing goals.
Loan Amount
$25 - $1,000
Turnaround time
Instant
Costs
Optional $14.99 monthly subscription to access budgeting and basic savings
Available in all states
Albert is a banking and cash advance app that goes beyond what Tilt offers. It offers overdraft protection rather than cash advances, and amounts go up to $1,000 per pay period. But it also packs a mix of saving and investing tools to help beginners build a customized investment portfolio with just a few questions.
It offers investment advice through its Genius service, an AI-driven, human-supported add-on feature for Albert customers. The Genius service costs Optional $14.99 monthly subscription to access budgeting and basic savings a month, but you automatically get a free 30-day trial before deciding if it's right for your investing goals.
Pros
No credit check required
Gives you 10 days to repay the overdraft
Saves you from overdraft fees
Cons
No customer service phone number
Mixed customer reviews
Loan amount
Up to $1,000
Loan Term
Within 6 days of overdraft, with possible 7-day extension
Turnaround time
Instant
Loan Amount
$25 - $1,000
Turnaround time
Instant
Costs
Optional $14.99 monthly subscription to access budgeting and basic savings
Current lets you access up to $750 from your upcoming paycheck without paying interest, subscription fees, or going through a credit check. You'll need to have a Current account and at least $500 in qualifying direct deposits per month to be eligible. Repayment happens automatically when you get paid, and while standard transfers are free, you can opt to pay a small fee for instant delivery. It's a convenient, budget-friendly option for covering short-term expenses without added financial stress.
Loan Amount
$50 - $750
Turnaround time
Up to 3 days or within an hour for a fee
Costs
Free
Not available in: Wisconsin
Current lets you access up to $750 from your upcoming paycheck without paying interest, subscription fees, or going through a credit check. You'll need to have a Current account and at least $500 in qualifying direct deposits per month to be eligible. Repayment happens automatically when you get paid, and while standard transfers are free, you can opt to pay a small fee for instant delivery. It's a convenient, budget-friendly option for covering short-term expenses without added financial stress.
Brigit allows you to extend your due date up to three times if you can't make your repayment on time, a perk not seen with many other apps. Standard funding takes up to three business days, or get your money as quickly as 20 minutes for a small fee. Brigit's standard overdraft or cash advance features won’t cost you extra but you’ll have to pay a monthly membership fee ranging from $8.99 to $14.99.
Loan Amount
$50 - $250
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
Brigit allows you to extend your due date up to three times if you can't make your repayment on time, a perk not seen with many other apps. Standard funding takes up to three business days, or get your money as quickly as 20 minutes for a small fee. Brigit's standard overdraft or cash advance features won’t cost you extra but you’ll have to pay a monthly membership fee ranging from $8.99 to $14.99.
Pros
No interest or fees on advances
Due date extensions available
Cons
Membership fees up to $14.99
Standard delivery can take up to two days
Loan amount
$50 to $250
Loan Term
Until your next payday, but can extend
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
Loan Amount
$50 - $250
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
Dave offers higher cash advances through its ExtraCash advance product, up to $500, with no interest or late fees. However, Dave's delivery speed may be slower than Tilt Getting your funds may take one to three business days. If you want instant delivery, there's a fee from $1.99 to $25, depending on the size of your advance and where you're having it transferred. Dave also offers extra perks, such as a gig connection service and budgeting features.
Loan Amount
Up to $500
Turnaround time
Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee
Costs
Undisclosed
Available in all states
Dave offers higher cash advances through its ExtraCash advance product, up to $500, with no interest or late fees. However, Dave's delivery speed may be slower than Tilt Getting your funds may take one to three business days. If you want instant delivery, there's a fee from $1.99 to $25, depending on the size of your advance and where you're having it transferred. Dave also offers extra perks, such as a gig connection service and budgeting features.
Pros
Higher advance amount that Empower
No tipping or interest requirement
Side hustle feature
Cons
High instant delivery fees
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
Loan Amount
Up to $500
Turnaround time
Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee
B9 is a membership-based cash advance app that offers up to $500 per pay period — higher than Tilt. Like Tilt, it charges a monthly fee: $9.99 for advances up to $100 and $19.99 for advances up to $500. While these fees are high compared to other apps, you don't need to pay extra for instant transfers — which could balance things out.
To use the B9 app, you must open an FDIC-insured checking account with B9 and set up direct deposit through your employer or the B9 app. To qualify for a cash advance, you have to receive at least one direct deposit into your B9 account — but advances are available as soon as one hour after receiving your first deposit.
Loan Amount
$30 - $500
Turnaround time
Instant
Available in all states
B9 is a membership-based cash advance app that offers up to $500 per pay period — higher than Tilt. Like Tilt, it charges a monthly fee: $9.99 for advances up to $100 and $19.99 for advances up to $500. While these fees are high compared to other apps, you don't need to pay extra for instant transfers — which could balance things out.
To use the B9 app, you must open an FDIC-insured checking account with B9 and set up direct deposit through your employer or the B9 app. To qualify for a cash advance, you have to receive at least one direct deposit into your B9 account — but advances are available as soon as one hour after receiving your first deposit.
SoLo Funds is a social lending app that offers peer-to-peer (P2P) microloans from $20 to $625. Like Tilt's cash advances, it's designed to help you access cash to cover emergency expenses. But it's a no-interest personal loan funded by SoLo members instead of a cash advance. And SoLo gives you the option to give back to your community — not only can you borrow money, you can lend to others too.
You can get your money as soon as a member funds your loan — as quickly as 20 minutes. To use the service, it's customary, although not required, to offer a tip. You're more likely to get funded if you offer a tip, but SoLo caps tips at 15%. Unlike most cash advance apps, you must repay the loan on time or get charged a late fee of 10% plus a third party transaction fee.
Loan Amount
$20 - $625
Turnaround time
As soon as same day or instant for a fee
Costs
Optional tip up to 15% of loan amount
Not available in: California
SoLo Funds is a social lending app that offers peer-to-peer (P2P) microloans from $20 to $625. Like Tilt's cash advances, it's designed to help you access cash to cover emergency expenses. But it's a no-interest personal loan funded by SoLo members instead of a cash advance. And SoLo gives you the option to give back to your community — not only can you borrow money, you can lend to others too.
You can get your money as soon as a member funds your loan — as quickly as 20 minutes. To use the service, it's customary, although not required, to offer a tip. You're more likely to get funded if you offer a tip, but SoLo caps tips at 15%. Unlike most cash advance apps, you must repay the loan on time or get charged a late fee of 10% plus a third party transaction fee.
Compared to other cash advance apps, Tilt is about average. It offers a standard advance amount — up to $400 — and its monthly fee of $8, and app features are similar to what other cash advance apps offer. However, not all cash apps charge monthly fees: EarnIn and MoneyLion are two exceptions.
On the plus side, it offers a 14-day free trial, so you can test the service before paying. Like many cash advance apps, normal ACH transfers to your bank account are free and usually arrive within one business day, which is quicker than many apps. Instant transfers cost between $1 and $8, depending on the amount — unless you have its qualifying card. These fees are also about average for most cash advance apps.
And if you need to borrow more than $400 between paydays, you’ll likely be better off with an app like B9, EarnIn, One@Work, PayActiv or MoneyLion — all offer potentially higher amounts than Tilt. Tilt generally gets good reviews online, but some customers have complained about its monthly subscription fee.
Pros
Other banking services available
FDIC-insured automatic savings feature
Tilt Card with 10% cashback
Cons
Monthly subscription fee
Not all users will qualify for a $400 advance
Instant transfers cost money unless you have an its card
More alternatives to payday and installment loans
We didn’t include payday and short-term installment loans as alternatives to Tilt, as they charge sky-high interest rates that can hit up to 700% APR or higher.
For short-term borrowing, cash advance apps like Tilt and the other apps on our list are almost always cheaper than a payday loan, as they never charge finance fees or interest on what you borrow.
Alternatives to cash advance apps
If you prefer not to use a cash advance app that monitors your bank account or you don’t get regular direct deposits — often a requirement for cash apps — consider these other methods for accessing quick cash instead:
Credit card cash advance. Credit card cash advances are a convenient way to access quick cash, but it’s best to limit them as fees can run high. Compare the best credit cards.
Personal loan. If you need more than $500, compare the best personal loan lenders to find loans between $600 and $100,000. Same-day funding may even be available.
Buy Now Pay Later (BNPL) app. While they don’t offer cash, BNPL apps let you purchase items you need today and pay them off later. Discover a range of BNPL apps and compare costs.
Employer advance. If you need funds before payday, your employer may be willing to advance part of your paycheck. Or, some employers are now partnering with apps like DailyPay and Payactiv to offer cash advance benefits to employees.
See our payday loan alternatives guide for more short-term borrowing options to cover emergency expenses or tide you over to payday.
Kat Aoki was a personal finance writer at Finder, specializing in consumer and business lending. She’s written thousands of articles to help consumers make better decisions on their home loans, bank accounts, credit cards, cryptocurrency and more. Kat is well versed in working with leading brands in the real estate, mortgage and personal finance industries, and her expertise has been featured on Lifewire and financial comparison sites like iSelect and realestate.com.au. She holds a BS in business administration from California State University, Sacramento and enjoys hiking and yoga in her spare time.
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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
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start reporting on live sporting events and moved on to cover topics
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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
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Cleo is a budgeting app offering cash advances up to $250.
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