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B9 cash advance app review

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B9 pay advance app
Min. Amount
Max. Amount
Turnaround time


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.

In this guide

  • Review
  • Details
    • Product details
  • Your reviews
  • Ask a question


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


  • $30 to $500 advances
  • Instant advance with no advance-related fee
  • Nonresidents may qualify with an ITIN


  • 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

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.


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


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 AppBrigitDave
Maximum withdrawal$300 with advance membership
Up to 100% of your paycheck with premium membership
FeesMonthly membership fees:
$9.99 for advance plan
$19.99 for premium plan
$9.99 monthly membership fee
  • $1 monthly membership fee
  • $4.99 express delivery fee, optional
Turnaround timeInstantOne to two business days
  • Standard delivery: up to three business days
  • Express delivery: within eight hours
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
B9 only has a few online reviews, but most are positive. Most reviews highlight the quality of customer service. One self-employed user mentions that it is one of the only cash advance options available to them. But they also state they wish it was more user-friendly — or had an option for people paid in cash.

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 advanceTypical payday loan
Borrowing amount$30 to $500Up to $1,000 — and most states only allow one at a time
Turnaround timeInstant, after account is set upNext business day or same day if you apply in person
Application process
  1. Set up a B9 account
  2. Connect to direct deposit
  3. Wait for B9 to notify you when you’re eligible for an advance
  1. Fill out a simple application online or in person
  2. Submit required documents
  3. Receive funds as cash, check, money order or deposited into account
CostsUp to $19.99 monthly membership feeFee of $15 to $25 per $100 borrowed
State availabilityNot available in all statesProhibited 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.

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.

Name Product Filter Values Loan amount Turnaround time Requirements
Finder Score: 4.7 / 5: ★★★★★
Get up to $100 per day or $750 per pay period.
1 to 3 business days, or same-day for a fee
Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work
No mandatory fees, no interest and no credit checks. Subject to EarnIn terms & conditions.
Chime SpotMe®
Finder Score: 4.2 / 5: ★★★★★
Chime SpotMe®
Up to $200
Same day
Qualifying $200 direct deposits into Chime checking account each month. Chime debit or Credit Builder card.
Access fee-free overdrafts up to $200 when eligible. Plus get your paycheck up to 2 days early with direct deposit. See Chime terms and conditions.
Smart Advances
Not rated yet
Smart Advances
$100 to $20,000
As soon as one business day after loan closing
Have a regular income, 18+ years old, be a U.S. citizen with a valid SSN, have an open bank account, meet any additional requirements your lender may have
Smart Advances was designed to help you request the loan you need, for any reason.
Go to site
Not rated yet
Based on the amount of accrued PTO
2 to 5 days
18+ years of age, live in eligible state, have W2 job with salary of $30k+, have PTO days accrued
Tap your unused PTO for a cash advance so you can access that money early. Available in: CO, FL, IL, MA, NY, NJ, TX, VA, OR, AR, NE, TN, ME, CT, WV
Go to site
Finder Score: 4.1 / 5: ★★★★★
Up to $250
3 to 4 days standard transfer. Same day with $3.99 express fee.
Not stated
Automatically monitor your spending plus access cash advances up to $100 at a time.
Dave ExtraCash
Finder Score: 4.2 / 5: ★★★★★
Dave ExtraCash
Up to 3 business days, or instant for a fee
At least two direct deposit paychecks to your bank account from your employer, extra money in your bank account
Borrow up to $100 to avoid hefty overdraft fees.
Finder Score: 4.2 / 5: ★★★★★
Up to $250
1 to 3 business days or instantly with a fee
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $8.99 membership fee.
LendYou Short-term Loans
Finder Score: 2.5 / 5: ★★★★★
LendYou Short-term Loans
Up to $1,000 for payday loans and up to $5,000 for installment loans
1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
Fast5kLoans Short-term Loans Connection Service
Finder Score: 0.2 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.

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