B9 cash advance app review
B9 pay advance app isn't available on Finder right now.
- Min. Amount
- $30
- Max. Amount
- $500
- Turnaround time
- Instant
Summary
Instant advances on your paycheck — but it comes with a monthly fee and minimum deposit amount.
Bottom line: B9 offers larger advances than most pay advance apps — and no fee for instant funding. But you'll need to use it frequently for it to be worth the monthly fee.
Details
Product details
| Product Name | B9 pay advance app |
| Min. Amount | $30 |
| Max. Amount | $500 |
| Loan Term | Not Stated |
| Turnaround Time | Instant |
| Requirements | $500+ in monthly direct deposits into B9 account, checking account, ITIN or SSN, government-issued photo ID |
Pros
- $30 to $500 advances
- Instant advance with no advance-related fee
- Nonresidents may qualify with an ITIN
Cons
- Up to $19.99 in monthly membership fees
- Must get paid at least $500 via direct deposit to your B9 account
- Few additional features compared to other cash advance apps
- Monthly fee makes it expensive for occasional advances
Compare alternatives to B9
If you don’t have time to set up an account and wait for your first paycheck to go through, these providers may offer a faster solution.
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How B9 works: Fees, features and requirements
B9 is a membership-based cash advance app that lets you get an advance on your full paycheck up to 15 days early. Like other cash advance apps, it charges a monthly fee — though B9’s fee is on the lower end, and it offers fewer services than similar apps.
To use this service, you must first open an FDIC-insured checking account with B9 and set up payroll direct deposit with your employer. Apply for a B9 advance after your employer has deposited at least one paycheck into your B9 account.
Fees and details
- Maximum withdrawal: $30 to $500
- Cost: $9.99 or $19.99 monthly membership fee
- Turnaround: Instant, once account is set up
Your maximum withdrawal depends on factors including your B9 membership level, account history, pay frequency and pay amount. You also can only receive an advance on funds that you receive as a direct deposit into your B9 account.
Features
B9 offers the following features in addition to cash advances:
- FDIC-insured checking account
- Visa debit card to access checking account funds
- No overdraft fees on checking account
- Unlimited money transfers with no fee
- Customer service available in English and Spanish
Requirements
To qualify for a B9 cash advance, you must meet the following requirements:
- Active B9 checking account with direct deposit from your employer
- Monthly salary of at least $500
- Social Security number or Individual Tax Identification Number
- Residential mailing address in the US
- Government-issued photo ID
B9 will contact you via the app, SMS or email as soon as you’re eligible to receive an advance. This advance may not be available in all states.
How B9 compares with other cash advance apps
B9 offers faster, larger advances and charges lower fees than similar apps like Brigit and Dave.
| B9 App | Brigit | Dave | |
|---|---|---|---|
Maximum withdrawal | $300 with advance membership Up to 100% of your paycheck with premium membership | $250 | $100 |
Fees | Monthly membership fees: $9.99 for advance plan $19.99 for premium plan | $9.99 monthly membership fee |
|
Turnaround time | Instant | One to two business days |
|
Next steps |
When it comes to cash advances alone, B9 can be a better choice. But Brigit and Dave offer more features to help you manage your personal finances. If you’re looking for a financial wellness app, B9 might not be the app for you.
B9 receives mostly positive reviews
| BBB accredited | No |
|---|---|
| BBB rating | NR |
| Trustpilot Score | 4.6 out of 5 stars, based on 47 customer reviews |
| App Store Score | 4.2 out of 5 stars, based on 101 customer reviews |
| Google Play Score | 3.7 out of 5 stars, based on 60 customer reviews |
| Customer reviews verified as of | 02 September 2021 |
Is B9 legit?
B9 is a legitimate financial technology company. It partners with Evolve Bank & Trust, a member of the Federal Deposit Insurance Company (FDIC), to provide banking services and the debit card. This means that the money in your B9 account is insured up to the $250,000 standard for any checking account.
It also uses Plaid to protect sensitive information while making transfers between the app and your bank account. Plaid is industry-standard for any app that involves money transfers — such as Venmo.
B9 is up front about the costs and requirements for using the app. And it doesn’t share any information with its affiliates. You’ll easily find B9’s privacy policies and contact information on its home page.
B9 app vs. payday loans
| B9 cash advance | Typical payday loan | |
|---|---|---|
Borrowing amount | $30 to $500 | Up to $1,000 — and most states only allow one at a time |
Turnaround time | Instant, after account is set up | Next business day or same day if you apply in person |
Application process |
|
|
Costs | Up to $19.99 monthly membership fee | Fee of $15 to $25 per $100 borrowed |
State availability | Not available in all states | Prohibited in some states |
Is B9 worth it?
B9 might be worth it if you regularly need an advance on your paycheck or regularly make money transfers. But the monthly fee can add up if you only use these features occasionally. In that case, another cash advance app that doesn’t charge a monthly fee — or offers more features — could be a better choice.
B9 pay advance app is not currently available on Finder
Have you considered EarnIn?
Access up to $150 per day, with a max of $750 between paydays. Subject to EarnIn terms & conditions.
- Borrow up to $150/day, with a max of $750 between paydays
- No credit check
- No monthly fees or interest
- Connect bank account to access cash advance
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
A great loan app for everyone
Lately, I've been struggling with managing my expenses, especially closer to the holidays. B9 gave me a helping hand a few days ago, so thanks to this money advance I was able to buy my sister a present she wanted, even though I didn't have any cash at the moment. If you need cash now, try it out.
A fine loan solution
I have always been mediocre when it comes to finance, but thanks to B9, now I can get instant money if I need cash now. Being a university student, I am often tired of not having enough money before payday. This great loan app really came in handy a couple of days ago.
real lifesaver
Was a bit skeptical when I first signed up, glad I did!! Didn't have any issues with sign up. B9 made it really easy to set up direct deposit. B9 has been a real lifesaver!! Would recommend it to anyone looking for a easy and seamless way to get a small advance when needed!
NEW FEATURES ARE GREAT MAKING YOUR BANKING EVEN BETTER
NEW FEATURES ARE GREAT MAKING YOUR BANKING EVEN BETTER. DISCOUNTED 3-MONTH 10% discount ADVANCED MEMBERSHIP WITH CREDIT REPORT SCORE and simulator 100% advancement an awesome great cash back features. This app is constantly improving its service five-star must use banking app!!! customer service is great The ultimate app Must-have app of 2022. Best app for friends and family to send money easy fast and free to all b9 customers .. early pay credit check and much more. ????????????????????????????????
Terrible Experience - PLEASE DON’T
This app is terrible. Their false advertising is designed to bait you into changing your direct deposit. They charge for everything - $4 for Customer Service! Thats egregious and they also hold your money hostage with limits on everything. I couldnt use my money to pay bills.
B9 is what I turn to if I need to spend money quickly
B9 is quite neat. In other words, you will immediately receive your cash advance. There will be no need to verify credit or pay any interest on the road. B9 is what I turn to if I need to spend money quickly but don't have much.
B9 really does a good job for people who need cash now
B9 really does a good job for people who need cash now and have no time for hitting banks and waiting in a line to get all the papers signed, and all your credit background checked before you actually can get the money loan. Honestly, I use the B9 loan app almost monthly to pay my rent, and it never failed me. I'm no computer person, but even I could figure out how it works and always get the money loan I need.
b9 is cool
A couple of days before the salary comes, I usually find something cool and expensive as hell (most frequently — beauty products), and I can't resist the desire to buy it immediately. This happens several times a year, and I can't help it. But the B9 loan app can. It gives me just enough to make myself happy:)
Love this bank
It can’t get no better than this. Great advances and 15 days early my direct deposit hits my account. No complaining in this side
B9 advance has become a real lifesaver
We are a young couple, and we used to borrow money from our parents before we founded B9. We rent an apartment and have to pay all the bills and also run a car, so sometimes all the money is spent a week before payday or so. B9 advance has become a real lifesaver, parents are no longer worried. Totally recommend.
Anna Finder
Editor
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