26 Cash Advance Apps That Use Plaid in 2025

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 app	Advance amount	Cost	Turnaround time
EarnIn	Up to $150/day, with a max of $1000 between paydays	No fee when you link your bank account	1–2 business days standard; minutes with Lightning Speed	Go to site	Finder Reward Get $50 from Finder Finder members get a $50 digital Visa gift card when they open their first EarnIn account and complete a Cash Out. Offer ends on May 15, 2026. Separate T&C apply.
Finder Reward Get $50 from Finder Finder members get a $50 digital Visa gift card when they open their first EarnIn account and complete a Cash Out. Offer ends on May 15, 2026. Separate T&C apply.
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.	Go to site
Cleo	$20 to $250	As low as $5.99 per monthl	3 to 4 days or instant for a fee.	Go to site
Current	$50 to $750	Free	Up to 3 days or within an hour for a fee	Go to site
Chime MyPay	Up to $500	Free	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)	Go to site
Albert	$25 to $1,000	No subscription required	Within minutes	Read Review
B9	$30 to $750	$11.99 or $19.99	Instant	Read Review
Beem	$5 to $1000	$2.47 to $12.97 per month	Within 3 days or instant for a fee	Read Review
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	Read Review
Cash App borrow	$20 to $500	5% fee	Same day	Read Review
Credit Genie	Up to $100	$4.99 per month	Within 3 days or same day or instant for a fee	Read Review
DailyPay	Up to 100% of earned wages, $1,000 daily limit	No fee, available for qualified consumers	1 to 3 days or instant for a fee	Read Review
Dave	Up to $500	Undisclosed monthly membership fe	Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee	Read Review
Tilt	$10 to $400	$8 per month	Same day or instant delivery available ($1 to $8 for instant transfer to external bank account)	Read Review
FloatMe	$10 to $50	$4.99 per month	1 to 3 business days or within 8 hours for a fee	Read Review
Grid	Up to $200	$10 a month	Within 8 hours for $2.99 or 1 to 3 days for free delivery	Read Review
Klover	Up to $400	$4.99 a month	Within 3 days or within hours for a fee	Read Review
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, small fee applies	Read Review
Payactiv	Up to 50% of earned wages per day (up to $1,500 to Payactiv Visa)	Available to members employed at a company that offers the app as a benefit	Within 1 to 3 days or immediately to Payactiv card or for a fee	Read Review
Possible finance	$50 to $500, except in California, where max loan amount $250	No membership fee, but about $15 to $20 per $100 borrowed	As soon as same day	Read Review
SoLo Funds	$20 to $575	No fees, but asks for (optional) tips and donations	As soon as same day, but instant transfers cost 1.75%	Read Review
Varo	$20 to $500	$1.60 to $40, available for qualified members	Instant turnaround, but fees up to $40	Go to site
Vola	Up to $300	Starting at $1.99 for advances from app or free requests via email	Within 5 hours or instant to Vola card	Read Review
Wisely	Depends on wage and hours worked	No fee, available for qualified members	Instant to Wisely card	Read Review
Super.com	Up to $250	No fee, available for qualified consumers	Within 3 business days, instant with a small fee or Super Pay account	Read Review
Go2Bank	Up to $200	$5 per month, no fees after eligible direct deposit, 26.99% interest charges	Instant from ATM or participating bank for $10 or 5%, whichever is greater

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.

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.

Pros of using cash advance apps that rely on Plaid

• Stronger security. Plaid uses bank-level encryption and strict data controls.
• Instant verification. Apps can check your balance and income in seconds, reducing delays.
• Fewer connection issues. Automated linking helps prevent errors that come with manual entry.
• Smoother user experience. Most apps using Plaid fund faster because verification is streamlined.

How to choose the right cash advance app

Start by matching the app to your habits and needs to find the best app, here’s what to look for:

• Frequency. If you take advances often, look for low fees or no monthly subscription to keep costs down.
• Cost. Some apps charge flat fees, some charge subscriptions, and some rely on tipping, compare the real cost per advance.
• Bank compatibility. Make sure your bank connects smoothly to avoid delays or repeated verification errors.
• Eligibility. Many apps require recurring direct deposits or a minimum income, so check the requirements before you apply.
• Speed. Instant transfers cost more, decide whether fast delivery or lower fees matter more to you.

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.

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.

Plaid alternatives if your bank won’t connect

If Plaid fails to link your bank, you still have options:

• Alternative data providers. Some apps use MX, Finicity or their own verification tools instead of Plaid.
• Manual verification. A few apps let you upload pay stubs or connect using micro-deposits when automatic linking doesn’t work.
• Switching apps. If one provider won’t connect, try another — not all apps rely on the same system, and compatibility varies.

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.