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Best cash advance apps for gig workers of 2024

Access the best cash advance apps for Gig workers with high advance limits and lower fees.

Gig workers such as independent contractors and freelancers depend on their clients for income. While the flexibility of making your own schedule is appealing, the uncertainty behind your next payday can be stressful. Whether you’re looking for a cash advance app as a delivery or rideshare driver or other form of gig work, we’ve got you covered.

5 Best cash advance apps for Gig Workers

If you’re looking for some cash before your next paycheck and are thinking about a cash advance app, consider their turnaround time, monthly fees and amount loaned, among other factors. We’ve pulled the top five apps, so you won’t have to.

Best for no membership fee

EarnIn

Go to site Read review

Earnin is a cash advance app that allows you to access up to $100 per day from your earned income and up to $750 from your pay period. Gig workers have to submit their employment information as well as connect their bank account to get verified. There are no required fees to access any services, but gig workers and other users can opt to pay extra to access their Lighting Speed feature, which promises quicker turnaround.

  • Available in all states

Best for larger advances

Dave ExtraCash

Go to site Read review
  • Available in all states

Best for due date extensions

Brigit

Go to site Read review

Brigit is a cash advance app that provides access to advances ranging from $50 to $250, with a flat monthly subscription fee and no hidden transaction fees. It offers extra flexibility for gig workers by letting you extend your payment due date up to three times. Standard delivery takes up to three days, but Brigit stands out by offering rush funding, which it claims can be in your account in only 20 minutes. However, it isn't clear which customers may qualify.

  • Available in all states

Best for borrowing small amounts

Cash App

Read review

Cash App provides a pilot feature called Cash App Borrow, enabling all users including gig workers to instantly borrow $20 to $200 with just a few taps on the app. There is a 5% fee involved, however, every time you borrow. To increase your chances of accessing the feature, you'll need to meet certain credit score requirements and deposit at least $1,000 into your Cash App account every month. If you see the Borrow option in your account, you're eligible.

  • Available in all states

Best for no late fees

Klover pay advance app

Read review

Klover is a cash advance app that offers up to $200 in advances based on bank account eligibility and participation in its points program. The points program involves completing tasks to earn points that can be converted into dollars for advances or to cover fees. However, Klover generates revenue by collecting aggregate user data that is shared with partners, which may raise privacy concerns for some gig workers.

  • Available in all states

Methodology: How we picked the best providers

We evaluated various pay advance apps that served gig workers. We considered criteria such as loan amounts, turnaround time, fees and eligibility requirements. Our staff also reviewed reputable sources such as the Better Business Bureau and Trustpilot. Finder.com’s methodology aims to provide a comprehensive take on pay advance apps, ensuring that the listed providers are trustworthy for our users.

How to compare cash advance apps for gig workers

When comparing the best apps for gig workers, you should consider the following:

  • Limits. Some apps only offer advances up to $250, while others offer advances of $700 and higher.
  • Additional fees. Most apps charge a fee if you want same-day delivery for your advances.
  • Employment verification. Some apps require proof of employment even if you’re a gig worker.
  • Income requirements. Apps such as Dave require a minimum $1000 monthly income requirement to unlock higher advances.
  • Credit Checks. While most apps don’t require a credit check, you may want to review the fine print to make sure.
  • Repayment terms. Many apps have penalties and extra fees, but not all.
  • Customer support. If you are looking for support with cash advances, consider apps with customer support hours around your schedule.
  • User reviews. Many apps have attractive features, but some, such as Earnin, have low customer ratings, which may impact your search.

Pros and cons of cash advance apps

Like any company, cash advance apps come with benefits and risks. It’s important to read the fine print before you agree to an advance.

Pros

  • Quick turnaround time
  • No credit check usually
  • No extensive paperwork

Cons

  • Cash advance programs generally offer advances up to $250 or less
  • May charge subscription fees
  • May charge fees for same-day funding

Compare cash advance apps

1 - 0 of 0
Name Product Filter Values Max. amount per pay period Turnaround time Costs
Chime SpotMe®
Not rated yet
Chime SpotMe®
Up to $200
Same day
No fee
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.
EarnIn
Not rated yet
EarnIn
Get up to $100 per day or $750 per pay period.
1 to 3 business days, or same-day for a fee
Free to use or $3.99 for Lightning Speed transfers.
No mandatory fees, no interest, and no credit checks. Subject to EarnIn terms & conditions
Cleo
Not rated yet
Cleo
Up to $250
3 to 4 days standard transfer. Same day with $3.99 express fee.
$5.99 monthly membership fee to access cash advances
Automatically monitor your spending plus access cash advances up to $100 at a time.
Albert
Not rated yet
Albert
Up to $250
2–3 business days or instant for a fee
$14.99 monthly subscription to access overdraft protection
Get up to $250 overdraft protection if you sign up for Albert's banking app.
Brigit
Not rated yet
Brigit
Up to $250
1 to 3 business days or instantly with a fee
$8.99 monthly membership fee, up to $3.99 in express fees
Have up to $250 automatically deposited into your account — for a $8.99 membership fee.
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Why cash advance apps are good for gig workers

Cash advances offer gig workers a quick and easy way to access funds without credit checks or a consistent employer. Gig workers also benefit from access to cash without a ton of fees or paperwork. Most importantly, a reliable cash advance app can offer independent contractors who may not have a specific payday or cash flow the financial cushion they need between payouts.

Cash advance apps can be helpful for all types of gig workers, including:

  • Amazon drivers
  • Doordash
  • Freelancers
  • Independent contractors
  • Instacart drivers
  • Lyft drivers
  • Uber drivers
  • Uber eats drivers

Are cash apps payday lenders?

Cash apps are not payday lenders, although they do provide advances similar to payday loans, offering quick access to cash without a credit check. However, cash apps don’t generally charge the exorbitant interest rates you’d expect from payday lenders. Instead, cash apps make their money from subscription fees and transfer fees.

Alternatives to cash advance apps

If you want to avoid monthly subscription fees that many cash advance apps may offer or simply seek a higher amount to borrow as a gig worker, consider these alternatives.

  • Payday Alternative Loan (PAL). Consider a PAL, which is offered by some credit unions and can provide a lower-cost alternative to a payday loan. PALs typically have more favorable terms and lower interest rates than traditional payday loans.
  • Bad credit personal Loans. Explore the option of a “bad credit” personal loan, which may be available from various lenders. While the APRs can be high, these loans can provide access to funds without the steep costs associated with payday loans.
  • Local resources and lower-cost loans. Look into local resources, such as small-dollar bank loans offered by financial institutions and lower-cost loans that may be available in your community. Some credit unions and nonprofits also offer small-dollar lending programs as an alternative to payday loans.

These alternatives can provide a more sustainable and affordable way to address short-term financial needs without the high costs and risks associated with payday loans.

You can check out other cash advance apps or payday loan alternatives before you make a final call.

Frequently asked questions

What are typical cash advance amounts for gig workers?

Cash advance amounts for gig workers usually remain well below $1,000. Most apps allow you to advance a couple hundred per pay period.

Where can I download a cash advance app?

You can access cash advance apps from a variety of mobile app stores, including but not limited to the Apple Store or Google Play store.

How do I repay my cash advance?

It depends on the app. Many apps automatically deduct the amount you are advanced from the bank account you have on file.

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