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Cash Advance Apps That Use Plaid

Explore apps powered by Plaid, the payment platform used by most cash advance apps.

Cash advance apps offer quick access to funds in advance of your paycheck and typically with no credit check. Instead, they rely on your bank account activity. Most cash advance apps integrate with Plaid, a financial technology platform, to securely access users’ bank account information, streamlining the verification process and expediting fund disbursement. We’ll walk you through which apps use Plaid and how they differ in advance amounts, cost and turnaround time.

Cash advance apps that use Plaid

Many cash advance apps use Plaid because of its reliable security and seamless integration process. Here’s a list of some cash advance apps that use Plaid.

Cash advance appAdvance amountCostTurnaround time
Albert$25 to $250$9.99 per month2 to 3 days standard delivery, instant with delivery fee
Beem$5 to $1000$2.47 to $12.97 per monthInstant
B9$30 to $500$9.99 or $19.99Instant
BranchUp to $500No cost for 3-day option, $2.99 to $4.99 for instant depositWithin 3 business days, instant with delivery fee
BrigitUp to $250$8.99 per month to use the app, free requested through email1 to 3 business days or instantly with a fee
Cash App borrow$20 to $2005% feeSame day
ChimeUp to $200No cost, must be a Chime memberSame day
CleoUp to $250As low as $5.99 to use the app, free requested through email3 to 4 days standard transfer. Same day with $3.99 - $9.99 express fee.
Credit GenieUp to $100No cost, available for qualified consumersInstant
CurrentDetermined by eligibilityNo fee, available for qualified consumersWithin 3 business days, instant with delivery fee
DailyPay100% of your earned income, $1,000 limit per dayNo fee, available for qualified consumersInstant or next business day
DaveUp to $500No fee when you download the Dave appUp to 3 business days, or instant for a fee
EarnInGet up to $100 per day or $750 per pay period.No fee when you link your bank account1 to 3 business days, or same-day for a fee
EmpowerUp to $250No fee when you link your bank accountSame day, instant delivery available
FloatMeUp to $50$3.99 per monthWithin 3 days, instant with delivery fee
Go2BankUp to $200$5 per month, no fees after you receive eligible direct depositWithin 2 days
GridUp to $200$10Instant for $2.99 or standard delivery
KloverUp to $225 per pay periodNo feesInstant
MoneyLionUp to $500 or $1,000 with RoarMoney accountNo feesUp to 5 days or instant for a fee of $0.49 to $8.99
ONE@Work50% of paycheckAvailable to members employed at a company that offers the app as a benefitSame day if employer has configured this benefit. If not, small fee applies
Payactiv$200 minimum per pay period or 50% of earned wages, whichever is greaterAvailable to members employed at a company that offers the app as a benefitTransfer in real time for a small fee. Other disbursement options and fees depend on employer
Possible financeUp to $500 except in California where max loan amount $250No membership feeReceive in minutes
SoLo FundsDepends on other SoLo member willing to lend you the moneyPreferred tip amountWithin 20 minutes
Super.comUp to $250No fee, available for qualified consumersWithin 3 business days, instant with a small fee or Super Pay account
VaroUp to $500No fee, available for qualified membersInstant turnaround
VolaUp to $300No fee when you link your bank accountAs soon as same business day
WiselyDetermined by eligibilityNo fee, available for qualified membersUp to 2 Days

What is Plaid and how does it work?

When you use a cash advance app, chances are it’s using Plaid to link up with your bank and verify your account details. Plaid streamlines the eligibility process, making it easier and faster for apps to access your bank info without you having to jump through hoops or worry about your data getting into the wrong hands.

When you connect your bank account to a cash advance app, Plaid uses encryption and secure cloud technologies to keep your data safe while fetching the necessary information, like your account balance and transaction history. Once it has all the details, Plaid sends them back to the cash advance app, allowing it to verify your identity and determine how much cash you can borrow.

Are there cash advance apps that don’t use Plaid?

While a majority of cash advance apps use Plaid, there are some that don’t use Plaid. Apps like Cash App or MoneyLion offer the option to use Plaid, though it is not required.

Is Plaid legit?

Plaid is widely recognized as a legitimate and reputable financial technology company known for its robust security standards. The company employs industry-leading encryption protocols and stringent security measures to safeguard user data. Plaid is certified in internationally recognized security standards, like ISO 27001 and ISO 27701, and is SSAE18 SOC 2 compliant.

However, Plaid faced legal scrutiny in 2022 over allegations that it violated users’ privacy rights by pulling and selling their data to third parties. While Plaid denied the allegations and vowed to defend its practices, the lawsuit highlights the importance of transparency and accountability in data handling practices.

Which banks won’t connect with Plaid?

Plaid integrates with more than 12,000 financial institutions worldwide, so it’s hard to locate banks that don’t work with Plaid. If you’re wondering whether your bank uses Plaid, you can search Plaid’s directory of partners.

Frequently asked questions

What if your bank doesn’t use Plaid?

If your bank isn’t listed on Plaid, you can manually input your bank account and routing numbers. Plaid verifies your account using micro-deposits, aligning your details with the information held by your financial institution.

Why is my account incompatible with Plaid?

This error usually occurs when an app requires a particular account type for its services. For example, the app you’re using might require that only deposit accounts like checking or savings accounts can be linked via Plaid

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