Worried about getting fast cash due to your credit score? You may be able to use cash advance apps that provide a no-credit-check, low-cost alternative to more expensive solutions such as payday loans and credit card cash advances.
These cash advance apps don’t require a credit check but may require subscription fees and specific banking activity.
Cleo cash advances don’t require a credit check, unlike most short-term loans, and it’ll let you borrow up to $250. It also doesn’t require minimum recurring deposits like similar apps. This feature is nice for freelancers or gig workers who don’t take home consistent income.
Cleo won’t charge any interest or late fees, but it has a $5.99 subscription fee. Unlike many other apps, Cleo lets you choose your own repayment date, although it must be within 14 days of borrowing.
EarnIn is a free cash advance app that doesn’t charge interest or mandatory fees and doesn’t conduct a credit check. Eligible users can borrow up to $150 a day or up to $750 per pay period. The repayment is automatically deducted from your bank account as soon as your paycheck is deposited. While EarnIn has some of the largest advances among cash advance apps, not all users are eligible for the highest borrowing limits.
Users can borrow up to $250 on the Brigit mobile app with no credit check needed, but you’ll need to have direct deposits and one of its paid subscriptions, which range from $8.99 to $14.99. Like other cash advance apps, you’ll typically repay your Brigit advance on your next payday, but eligible users can request up to three extensions if they need more time.
In addition to saving, budgeting and investment tools, Albert offers cash advances — up to $250, which can apply to purchases. Albert doesn’t require a credit check, but to access the cash advance (and some other services), you’ll need the basic subscription at $11.99 a month. You can try out the subscription for 30 days before you’re charged, which gives you time to decide if it’s worth the monthly fee.
Current links your cash advance eligibility directly to your income, offering up to $750 based on your direct deposit history — no credit check, monthly fee or interest required. It’s a good fit if you’re employed with at least $500 a month in direct deposit income and want a simple advance option through a banking app. You’ll need a Current account, and while instant access is available for a fee, standard transfers are free.
The MyPay feature allows you early access to your paycheck, up to $500. Plus, a credit check isn’t required and you won’t pay interest or mandatory fees. To qualify, you need to set up a qualifying direct deposit of at least $200 to your Chime checking account. Credit limits start low, but can increase over time based on direct deposit and payment acitivity. Advances are funded within 24 hours for free, or instantly for a fee. But, it’s not available in every state.
With Opploans you’ll have access to an installment loan from $500 to $5,000, designed for people with less-than-stellar credit. It doesn’t perform a hard credit check, but it does conduct a soft credit check that won’t imact your FICO score. Your eligibility is determined by factors like income, employment and banking history. Funds may be depositied as soon as the same business day, and on-time payments may offer a chance to build your credit.
The Dave app advances up to $500 with no credit check required, and you’ll typically repay it on your next payday. To receive the funds faster, you can have the money deposited immediately to your Dave Checking account or within an hour to another debit card for a fee of up to $25. You can also have it transferred to a linked bank account within three business days for free.
Dave charges an undisclosed monthly fee, like many apps, but unlike most cash advance apps, it does not require users to have direct deposit to qualify for advances. Dave doesn’t charge interest or late fees, and tips are optional.
Users can receive cash advances up to $500 from the Vola app with no credit check, interest charges or direct deposit required. Vola has a free version, but premium subscriptions start at $1.99 for the fastest and easiest access to cash advances.
Vola never charges for transfers, regardless of whether you have the funds sent to your bank account or Vola card, but the Vola card is the fastest method.
Cash advance apps are generally user-friendly. You download the app and link your external bank account. You’ll also need to provide some basic personal information and have your identity and bank account verified. You may also be required to have direct deposit to qualify for an advance, but in most cases there is no credit check.
Once the app provider determines you qualify for a cash advance, you can usually request as much as you want up to your approved borrowing limit. Borrowing limits are typically low at first but should increase with activity. In most cases, you’ll repay the loan on your next payday. Some apps let you choose a repayment date, which is normally within two weeks of when you take the advance.
Cash advance apps are convenient and typically cheap but have some drawbacks.
You won’t need a credit check to use any of the apps on this list. Compare important details to find one that fits your needs best.
| Cash advance app | Advance amount | Cost | Turnaround time | |
|---|---|---|---|---|
Varo | Up to $500 | Up to $40 for transfers | Instant, once qualified | |
Brigit | $50 to $250 | $8.99 per month to use the app, free requested through email | 1 to 3 business days or instant with a Premium subscription or for a fee. | |
Chime MyPay | Up to $500 | Free | Within 24 hours or $2 for instant transfers | |
Cleo | Up to $250 | As low as $5.99 per month | 3 to 4 days or instant for a fee. | |
Current | $50 to $750 | Free | Up to 3 days or within an hour for a fee | |
EarnIn | Up to $150/day, with a max of $750 between paydays | No monthly subscription | 1 to 2 business days or within 30 minutes for a fee | |
Albert | $25 to $250 | $11.99 per month | Instant | |
Beem | $5 to $1000 | $2.47 to $12.97 per month, plus transfer fees | Within 3 days or instant for a fee | |
B9 | $30 to $500 | $11.99 or $19.99 per month | Instant | |
Branch | Up to 50% of paycheck, up to $1,000 | Available to employees at a company that offers the app as a benefit. | Within 3 business days, instant with delivery fee | |
Cash App borrow | $20 to $200 | 5% fee | Same day | |
Credit Genie | Up to $100 | $4.99 a month | Within three days or instant for a fee | |
DailyPay | Up to 100% of earned wages, $1,000 daily limit | No fee, available for qualified consumers | Next business day or instant with a DailyPay card or for a fee | |
Dave | Up to $500 | Undisclosed | Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee | |
Empower | $10 to $300 | $8 a month | 2 to 5 days to linked bank account or Empower Card for free, instant to bank account for a fee | |
FloatMe | $10 to $50 | $3.99 per month | 1 to 3 business days or within 8 hours for a fee | |
Go2Bank | Up to $200 | $5 per month, but can be waived with qualifying deposits, 26.99% interest rate on advances | Instant from ATM or participating bank, but fees apply | |
Grid | Up to $200 | $10 per month | Within 8 hours for $2.99 or 1 to 3 days for free delivery | |
Klover | Up to $200 | $4.99 | Within 3 days or within hours for a fee | |
ONE@Work | Up to 50% of earned wages | Available to members employed at a company that offers the app as a benefit. | Same day if employer has configured this benefit. If not, fee applies to pick up at Walmart or deposit to account. | |
OneBlinc | $50 to $250 | $8.99 | Within 2 business days or instant for a $4.99 fee | |
Payactiv | Up to 50% of earned wages per day | Available to members employed at a company that offers the app as a benefit. | Transfer in real time for a small fee. Other disbursement options and fees depend on employer. | |
Possible finance | Up to $500 | No monthly fee but charges $15 to $20 per $100 borrowed | Receive in minutes | |
SoLo Funds | $20 to $625 | Free, but a tip may increase your chances of funding/td> | As soon as same day or instant for a fee | |
Super.com | $20 to $250 | $15 per month | Within 3 business days or instant with a small fee or Super Pay account | |
Vola | Up to $500 | Starting at $1.99 | Within 5 hours or instant to Vola card | |
Wisely | Determined by eligibility | No fee, available for qualified members | Instant to Wisely card |
Cash advance apps can be a great convenience when you require a short-term loan and need the funds right away. And, while most cash advance apps don’t require a credit check to qualify, it’s always a good idea to check the fine print to be sure.
It’s also a smart move to consider multiple apps and compare subscription fees, eligibility requirements and fees for expedited transfers to find the one that makes the most sense for you.
Downloading cash advance apps can be done in minutes, and in some cases, you might even be eligible for an advance on the same day. But it could also take a day or two to verify your identity, deposits and other banking activity before you can request an advance.
Some cash advance apps start users at small loan amounts, like $10 or $20. However, as you continue to use the app and repay small advances, your borrowing limit should increase accordingly.
Unfortunately, not all borrowers are eligible for cash advances. For example, if the app requires direct deposit for paychecks — and you don’t have it — you may need to find an app that doesn’t require direct deposit. Another possibility is that you don’t meet minimum bank balance requirements or activity, which you can try to work on.
You’ve heard of FrontPay cash advance — now see which similar apps users may actually prefer.
FrontPay promises fast money and no interest, but there’s a catch or two that you should know about.
Top six picks for cash advance apps that work with Current.
A review of Current’s Paycheck Advance feature, how much you can get and the requirements to qualify.
Need fast access to cash before your paycheck hits? Check out our side-by-side comparison of Dave versus EarnIn, two popular cash advance apps
A no-fee advance sounds great — until you see the catch. Find out what’s really involved.
Compare cash advance apps that offer $500 cash advances with no credit check, plus how to qualify.
Review of Chime’s new MyPay feature that offers cash advances of up to $500.
A review of Varo Advance, how much you can borrow and the requirements to qualify.
If you need extra cash between paychecks, Earnin offers withdrawals on the money you’ve already earned — without charging a fee.