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6 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.

6 best cash advance apps that work with Cash App

  • 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 no fees

Chime SpotMe®


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Chime is a financial services company best known for its free checking account that comes with a Visa debit card, as well as its high-yield savings account with no monthly fees. It also offers an early direct deposit feature, allowing you to get paid two days early.

Its cash advance service called SpotMe allows eligible customers to overdraft their Chime Spending Account from $20 to $200 without any fees. And Chime is compatible with Cash App, allowing you to transfer money between the two platforms.

  • 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



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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.

  • Available in all states

Best for bigger advances



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EarnIn is a free app that lets you borrow $100 a day — or more with an EarnIn Card — up to a maximum of $750 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.

  • Not available in: Connecticut

Best for building a portfolio



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Albert is a different kind of cash advance app. In addition to offering cash advances up to $250 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.

  • Available in all states

Best for saving money

Dave ExtraCash


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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 Undisclosed.

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.

  • Available in all states

Best for a full banking experience

MoneyLion Instacash advances


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If you want a cash advance app that offers a full banking experience, MoneyLion could fit the bill. The app supports a range of products to help you build your finances, including investment accounts, crypto accounts, credit builder loans and debit card rewards.

MoneyLion's standard cash advance limit is $500, although you can potentially increase this to $700 by opening a paid Credit Builder Plus account and up to a generous $1,000 per pay period if you open a Roar Money account and set up recurring direct deposit.

  • 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

  • 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
  • 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


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 She holds a BS in business administration from California State University, Sacramento and enjoys hiking and yoga in her spare time. See full bio

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Kat has written 198 Finder guides across topics including:
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