If you’re one of the millions who use Cash App to instantly send or receive money or use the Cash App debit card — good news — there are several cash advance apps that work with Cash App. This means you can use a cash advance app to get an advance on your paycheck and then send the funds to your Cash App account and spend them as you like.
Cleo offers a 24-hour cooling off period between loans, which means you can get a new advance just one day after paying off your previous advance. Many competitor cash advance apps require three to five days between advances. Plus, you can reschedule payment due dates once if your budget changes. To get your advance sent to your cash app account, you'll need to get the advance sent to your linked bank account first, then move the money into Cash App yourself. Cleo only works with a linked bank account and doesn't send funds directly to Cash App.
However, new users can only qualify for $20 to $100 at first.
Loan Amount
$20 - $250
Turnaround time
3 to 4 days or instant for a fee.
Costs
$5.99 monthly membership fee to access cash advances
Available in all states
Cleo offers a 24-hour cooling off period between loans, which means you can get a new advance just one day after paying off your previous advance. Many competitor cash advance apps require three to five days between advances. Plus, you can reschedule payment due dates once if your budget changes. To get your advance sent to your cash app account, you'll need to get the advance sent to your linked bank account first, then move the money into Cash App yourself. Cleo only works with a linked bank account and doesn't send funds directly to Cash App.
However, new users can only qualify for $20 to $100 at first.
Pros
No payslips or W-2 forms required
New advance available after 24 hours
One-time due date extension
Budgeting and savings tools through app
Cons
$250 advance limit is lower than some competitors
Advance limits start low
Mixed customer reviews
Loan amount
Up to $250
Loan Term
Next deposit
Turnaround time
3 to 4 days or instant for a fee.
Loan Amount
$20 - $250
Turnaround time
3 to 4 days or instant for a fee.
Costs
$5.99 monthly membership fee to access cash advances
Brigit is a financial app that offers advances up to $250 per pay period. To get advances, you must sign up for Brigit's Plus or Premium plan. While advance amounts are lower than some apps, instant transfers are free with the Premium plan, and it offers free payment extensions with both plans.
Payment extensions are available to users who've had at least two consecutive on-time payments beforehand. You can request extensions in-app, and Brigit allows you to store up to three payment extensions for later use. To get the cash advance funds into your Cash App, you must first receive the advance in your linked bank account and then manually transfer the money from your bank to your Cash App balance
Loan Amount
$50 - $250
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
Brigit is a financial app that offers advances up to $250 per pay period. To get advances, you must sign up for Brigit's Plus or Premium plan. While advance amounts are lower than some apps, instant transfers are free with the Premium plan, and it offers free payment extensions with both plans.
Payment extensions are available to users who've had at least two consecutive on-time payments beforehand. You can request extensions in-app, and Brigit allows you to store up to three payment extensions for later use. To get the cash advance funds into your Cash App, you must first receive the advance in your linked bank account and then manually transfer the money from your bank to your Cash App balance
Pros
Extend your due date
Store up to three extensions at a time
Automatic advances if your bank balance is low
Cons
High monthly fees
Must meet certain criteria
Limited advance amounts
Loan amount
$50 to $250
Loan Term
Until your next payday, but can extend
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
Loan Amount
$50 - $250
Turnaround time
1 to 3 business days or instant with a Premium subscription or for a fee.
EarnIn is a free app that lets you borrow $150 a day and up to a maximum of $1,000 of your earnings per pay period. With EarnIn, there are no monthly fees, but your advance amount depends on the hours you've already worked.
To get advances, you'll need to provide proof of your earnings, so EarnIn can verify what you've made. Normal transfer times to Cash App and other accounts is one business day — or within minutes if you use EarnIn's Lightning Speed service for a fee. To get your EarnIn cash advance into your Cash App account, just have EarnIn send the money to your linked bank account, then move it over to Cash App. While there isn't a direct EarnIn-to-Cash App transfer, using your bank account makes it quick and easy.
Loan Amount
Up to $1,000
Turnaround time
1 to 2 business days or within 30 minutes for a fee
Costs
Free to use or within minutes with a fee as low as $3.99 per transfer
Not available in: Connecticut
EarnIn is a free app that lets you borrow $150 a day and up to a maximum of $1,000 of your earnings per pay period. With EarnIn, there are no monthly fees, but your advance amount depends on the hours you've already worked.
To get advances, you'll need to provide proof of your earnings, so EarnIn can verify what you've made. Normal transfer times to Cash App and other accounts is one business day — or within minutes if you use EarnIn's Lightning Speed service for a fee. To get your EarnIn cash advance into your Cash App account, just have EarnIn send the money to your linked bank account, then move it over to Cash App. While there isn't a direct EarnIn-to-Cash App transfer, using your bank account makes it quick and easy.
Pros
No monthly fee
Tipping is optional
Relatively high advance amounts
Cons
High instant transfer fees
Not suitable for gig workers
Requires proof of hours worked
Loan amount
Up to $150/day, with a max of $1000 between paydays
Loan Term
1 to 4 weeks
Turnaround time
1 to 2 business days or within 30 minutes for a fee
EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.
Loan Amount
Up to $1,000
Turnaround time
1 to 2 business days or within 30 minutes for a fee
Costs
Free to use or within minutes with a fee as low as $3.99 per transfer
Varo offers cash advances up to $500(or up to $250 for new users), and it doesn't require a monthly fee to be eligible for advances. Instead it charge a flat fee per advance ranging from $1.60 to $40 depending on how much you borrow. Plus, if you qualify you'll get the advance the same day you apply. And, if $500 isn't enough to cover your needs, it also offers credit lines up to $2,000. You can get your Varo cash advance into Cash App by linking your Varo debit card in the Cash App. When you add money in Cash App, it will pull the funds from your Varo account instantly through the card.
Loan Amount
$20 - $500
Turnaround time
Instant, once qualified
Costs
No membership fee, transfer fee up to $40
Varo offers cash advances up to $500(or up to $250 for new users), and it doesn't require a monthly fee to be eligible for advances. Instead it charge a flat fee per advance ranging from $1.60 to $40 depending on how much you borrow. Plus, if you qualify you'll get the advance the same day you apply. And, if $500 isn't enough to cover your needs, it also offers credit lines up to $2,000. You can get your Varo cash advance into Cash App by linking your Varo debit card in the Cash App. When you add money in Cash App, it will pull the funds from your Varo account instantly through the card.
Albert is a different kind of cash advance app. In addition to offering cash advances up to $1,000 per pay period, it features an AI-powered financial advice tool called Genius that's designed to answer financial questions and help you build an investment portfolio.
Just provide a few details about your goals, and Genius creates a custom investment portfolio for you based on your risk tolerance and investment timeline. But the Genius service costs $14.99 a month, and you must sign up for the free trial of Genius to qualify for cash advances. You can move an Albert cash advance to Cash App by first sending it to a linked debit card or bank account that's also connected to Cash App. If you choose instant delivery to your debit card, for a fee, the money will be available right away to use in Cash App.
Loan Amount
$25 - $1,000
Turnaround time
Instant
Costs
Optional $14.99 monthly subscription to access budgeting and basic savings
Available in all states
Albert is a different kind of cash advance app. In addition to offering cash advances up to $1,000 per pay period, it features an AI-powered financial advice tool called Genius that's designed to answer financial questions and help you build an investment portfolio.
Just provide a few details about your goals, and Genius creates a custom investment portfolio for you based on your risk tolerance and investment timeline. But the Genius service costs $14.99 a month, and you must sign up for the free trial of Genius to qualify for cash advances. You can move an Albert cash advance to Cash App by first sending it to a linked debit card or bank account that's also connected to Cash App. If you choose instant delivery to your debit card, for a fee, the money will be available right away to use in Cash App.
Pros
No credit check required
Gives you 10 days to repay the overdraft
Saves you from overdraft fees
Cons
No customer service phone number
Mixed customer reviews
Loan amount
Up to $1,000
Loan Term
Within 6 days of overdraft, with possible 7-day extension
Turnaround time
Instant
Loan Amount
$25 - $1,000
Turnaround time
Instant
Costs
Optional $14.99 monthly subscription to access budgeting and basic savings
Dave is a banking app that offers cash advances of up to $500 every pay period and has a Goals account that pays a generous 4% APY on deposits. To get cash advances you can send to Cash App and other accounts, you'll need to pay a monthly membership fee of Up to $5.
Regular cash advance transfers from Dave can take up to three business days. For same-day transfers, you'll need to pay from $3 to $15. Dave has tools to help you track your finances and a round-up feature to help you save automatically. You can move money from Dave to Cash App by linking your Dave checking account in Cash App. Just find your Dave account and routing numbers in the Dave app, add them under “Add Bank” in Cash App, and then transfer funds into your Cash App balance.
Loan Amount
Up to $500
Turnaround time
Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee
Costs
Undisclosed
Available in all states
Dave is a banking app that offers cash advances of up to $500 every pay period and has a Goals account that pays a generous 4% APY on deposits. To get cash advances you can send to Cash App and other accounts, you'll need to pay a monthly membership fee of Up to $5.
Regular cash advance transfers from Dave can take up to three business days. For same-day transfers, you'll need to pay from $3 to $15. Dave has tools to help you track your finances and a round-up feature to help you save automatically. You can move money from Dave to Cash App by linking your Dave checking account in Cash App. Just find your Dave account and routing numbers in the Dave app, add them under “Add Bank” in Cash App, and then transfer funds into your Cash App balance.
Pros
High APY account
No overdraft or insufficient funds fees
Budgeting and expense tracking features
Cons
Limited borrowing amounts
Potentially high fees for instant advances
Mixed user reviews
Loan amount
Up to $500
Loan Term
Varies
Turnaround time
Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee
Loan Amount
Up to $500
Turnaround time
Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee
We compared multiple pay advance apps that were compatible with Cash App. We weighted loan amounts, turnaround times, subscription fees, the time between advances and eligibility requirements.
Getting your Cash App routing and account number
To transfer money to Cash App from a cash advance app, you’ll need your Cash App routing number and account number. These can be found on the Money tab on your Cash App home screen.
Cash App is ideal for users who want a free way to instantly send and receive payments. Just link a bank account or upload funds to Cash App you’re ready to send or receive payments. You can also get a free Cash App Visa debit card to spend your Cash App funds anywhere Visa is accepted.
And for those who use Cash App frequently, you may qualify for Cash App’s Borrow feature, a fee-based credit line ideal for emergency borrowing. Borrow doesn’t require you to have direct deposits to qualify, like most cash advance apps, but a 5% fee per withdrawal applies.
Venmo is probably the closest competitor to Cash App, with both offering free instant transfers to people, free ATM in-network withdrawals, rewards, check cashing and the ability to buy crypto. But Venmo has more users and slightly more features, including a credit card option. If you were to change providers, Venmo would likely be the best choice.
Pros and cons of Cash App
Pros
Only need to be 13+ years old to qualify
Design and customize your own Cash App debit card
Ability to add offers to your Cash App card
Add paper money to your Cash App account at a store
Cons
Cash App Borrow is not available to all users
Instant transfers to a debit card or account are subject to a fee
Cash App has fewer users than Venmo
Alternatives to cash advance apps for Cash App customers
Cash advance apps can be a convenient way to borrow money between paydays and are typically much cheaper than taking out a payday or installment loan. But they require access to your bank account or timesheets, and most require that you have regular direct deposits to qualify.
If this is too restrictive for you, consider these other options:
Credit card advances. Credit card advances are a convenient way to borrow money in a pinch. But you’ll pay a transaction fee, and interest is charged immediately without a grace period. But you could reduce costs with an introductory 0% APR card. Compare the best credit cards of 2023, including 0% intro rate cards.
Buy Now, Pay Later (BNPL) apps. While they don’t offer cash per se, BNPL apps let you buy things you need today and pay for them later, usually over four separate payments, with or without fees. Compare the best BNPL apps.
Personal loans. If you’re willing to borrow at least $500 and willing to pay interest on the funds you borrow, compare the most competitive personal loans from the top banks and online lenders. You can typically borrow more with a personal loan, and you’ll have longer to pay it back than with a cash advance app.
Loans from a CDFI. You may be able to get a small-dollar, short-term loan by going through a Community Development Financial Institution (CDFI). These are typically local banks or credit unions that serve low-income or rural areas.
Local resources. Many cities and states support local programs to help you cover food, utilities and rent when money’s tight. Consider looking into the resources listed on this page if you need more help than what an occasional advance can provide.
Kat Aoki was a personal finance writer at Finder, specializing in consumer and business lending. She’s written thousands of articles to help consumers make better decisions on their home loans, bank accounts, credit cards, cryptocurrency and more. Kat is well versed in working with leading brands in the real estate, mortgage and personal finance industries, and her expertise has been featured on Lifewire and financial comparison sites like iSelect and realestate.com.au. She holds a BS in business administration from California State University, Sacramento and enjoys hiking and yoga in her spare time.
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Cleo is a budgeting app offering cash advances up to $250.
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