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7 best cash advance apps that work with Cash App

Here’s a round up of the best cash advance apps that pair with Cash App.

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.

7 best cash advance apps that work with Cash App

  • Best for frequent advances: Cleo
  • Best for no fees: Chime
  • Best for payment flexibility: Brigit
  • Best for bigger advances: EarnIn
  • Best for building a portfolio: Albert
  • Best for saving money: Dave
  • Best for full banking experience: MoneyLion

Best for frequent advances

Cleo

4.1
★★★★★

Finder score

Go to site Read review
Loan amount$20 - $250
Turnaround time3 to 4 days or instant for a fee.
Costs$5.99 monthly membership fee to access cash advances
  • Available in all states

Best for no fees

Chime SpotMe®

4.2
★★★★★

Finder score

Go to site Read review
Loan amount$20 - $200
Turnaround timeInstant
CostsNo fee
  • Available in all states
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Direct deposit: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. SpotMe: Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.

Best for payment flexibility

Brigit

4.2
★★★★★

Finder score

Go to site Read review
Loan amount$50 - $250
Turnaround time2 to 3 business days or instant with a Premium subscription or for a fee.
CostsFree: $0/month; Brigit Plus: $8.99/month; Brigit Premium: $14.99/month
  • Available in all states

Best for bigger advances

EarnIn

4.7
★★★★★

Finder score

Go to site Read review
Loan amountUp to $750
Turnaround time1 to 3 business days or instant for a fee
CostsFree to use or instant with a fee as low as $3.99.
  • Not available in: Connecticut

Best for building a portfolio

Albert

4.4
★★★★★

Finder score

Go to site Read review
Loan amount$25 - $250
Turnaround timeInstant
Costs$14.99 monthly subscription to access overdraft protection
  • Available in all states

Best for saving money

Dave ExtraCash

4.2
★★★★★

Finder score

Go to site Read review
Loan amountUp to $500
Turnaround timeUp to 3 business days or instant for a fee
CostsUndisclosed
  • Available in all states

Best for a full banking experience

MoneyLion Instacash advances

4.5
★★★★★

Finder score

Read review
Loan amount$50 - $500
Turnaround timeUp to 5 days or instant for a fee of $0.49 to $8.99
Costs$19.99 monthly fee if you have a Plus membership
  • Available in: Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming

Methodology: How we chose these providers

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.

Does my cash advance app work with Cash App?

AlbertCash advance
  • Yes
BranchCash advance
  • No
BrigitCash advance
  • Yes
CleoCash advance
  • Yes, indirectly
DaveCash advance
  • Yes
EarnInCash advance
  • Yes
EmpowerCash advance
  • Yes
Float MeCash advance
  • No
GeraldCash advance
  • No
GridCash advance
  • Yes
KloverCash advance
  • Yes
MoneyLionCash advance
  • Yes
OppLoansInstallment loan
  • Yes
Possible FinanceInstallment loan
  • No
SpotloanInstallment loan
  • Yes
VaroCash advance
  • Yes
VolaCash advance
  • No

Should I stick with Cash App?

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 to send payments to anyone in the US or UK. 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.

Besides the apps on our list that work with Cash App, consider other cash advance apps or payday loan alternatives, but be aware of interest and fees.

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To make sure you get accurate and helpful information, this guide has been edited by Holly Jennings as part of our fact-checking process.
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Written by

Writer

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 Forbes Advisor, 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. See full bio

Kat's expertise
Kat has written 196 Finder guides across topics including:
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