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Cash Advance Apps That Work With Current

Not all cash apps work with Current — but here are six that do.

Current is a banking app that offers cash advances along with other banking features, such as overdraft protection, credit building and investing tools. Advance amounts range from $50 to $750, and there are no interest charges or late fees. But if you’re looking for a new app, check out our top picks for apps compatible with Current.

6 top cash advance apps that work with Current

If you already have a Current account, your best option might be to use its Paycheck Advance feature to access up to $750. But if you’re not eligible for a Current cash advance or want a backup option, consider these other apps that work with Current.

  • Best for low fees: Chime MayPay
  • Best for gig workers: Cleo
  • Best for repayment extensions: Brigit
  • Best peer-to-peer app: Cash App
  • Best for a personal line of credit: Varo
  • Best for no-fee instant transfers: Vola

Best for low fees

Chime MyPay

9.4 Excellent

Go to site Read review

Cash advance apps aren't free, but some are costlier than others. Chime MyPay stands out by having no monthly fees and only charging $2 for instant transfers. This is a departure from Current, where fast transfer fees increase the more you borrow. Plus, like Current, Chime offers fee-free overdraft protection, a credit builder card and a savings account. But it also requires direct deposit, so you'd need to split your direct deposit paycheck between Chime and Current.

Loan amount$20 - $500
Turnaround timeWithin 24 hours or $2 for instant transfers
CostsNo subscription fees
  • Not available in: Colorado, Connecticut, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, Montana, Nevada, New Jersey, New Mexico, South Dakota, Vermont, Washington, Wisconsin, Wyoming

Best for gig workers

Cleo

8.2 Great

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Cleo works with Current and offers cash advances up to $250, along with other banking features. And, unlike most cash advance apps, Cleo doesn't require minimum recurring deposits to qualify, making it a great option for gig workers, freelancers and other self-employed individuals. But first-time users typically only qualify for $20 to $100 advances, and there's a $5.99 monthly subscription fee.

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 repayment extensions

Brigit

8.4 Great

Go to site Read review

Most cash advance apps require repayment on the date of your next deposit, which can sometimes put you in a bind. But Brigit extends credits that allow you to push back your repayment date up to three times. It also offers free transfers within 20 minutes with a Premium subscription — otherwise, it could take one to three business days.

Loan amount$50 - $250
Turnaround time1 to 3 business days or instant with a Premium subscription or for a fee.
CostsBrigit Plus: $8.99/month; Brigit Premium: $14.99/month
  • Available in all states

Best peer-to-peer app

Cash App

Read review

Like Current, Cash App allows peer-to-peer payments, plus the apps can work together. Cash App offers early paydays, overdraft protection and 4% interest on savings. It also has a Borrow feature that offers loans up to $1,000 for a 5% fee. This isn't a cash advance between paydays — it's a loan, but terms are typically up to 30 days, giving you more time to repay it. However, you can't request Cash App Borrow. You'll need to receive a preapproved offer before applying, and it's not available to all users.

Loan amount$20 - $200
Turnaround timeSame day
Costs5% flat fee
  • Available in all states

Best for a personal line of credit

Varo Line of Credit

Varo works with Current and provides cash advances up to $500 with no credit check or interest charges. Or, for customers who need to borrow a little more, it also offers personal lines of credit (LOCs) from $600 to $2,000. There are no late fees for LOCs and no interest — you'll pay a flat fee instead — and loan terms range from three to 12 months. It also gives you up to 30 days to repay cash advances, which is longer than most apps. But, while cash advances with Varo have instant transfers, mandatory fees can reach as high as $40.

Loan amount$600 - $2,000
Turnaround timeInstant, once qualified

Best for no-fee instant transfers

Vola Finance

Read review

Vola provides same-day transfers for no fees — practically a unicorn in this space. You can have the funds sent to your Vola card instantly or to another bank or app of your choice, such as Current, within five hours. It offers advances up to $500 with no interest charges or late fees, and you can extend your repayment date if needed. But it's not transparent about monthly subscription fees, which can be $20 or more according to customer reviews, and it has a longer-than-average cooling-off period between advances.

Loan amountUp to $500
Turnaround timeWithin 5 hours or instant to Vola card
Costs$2.99 to $28.99 membership fee
  • Available in all states

How we chose these providers

We looked at multiple cash advance apps that worked with Current and compared loan amounts, turnaround times, subscription fees, the time between advances and eligibility requirements.

Does my cash advance app work with Current?

If you prefer a different app from the ones on our list, it may still work with your Current account. Take a look at this table to see which apps do — or don’t — work with Current. (Tip: Always double-check with any provider before you sign up to make sure your apps are compatible.)

Cash advance appWorks with Current?
Albert
  • Yes
B9
  • No
Beem
  • Yes
Branch
  • No
Brigit
  • Yes
Cash App
  • Yes
Chime
  • Yes
Cleo
  • Yes
Credit Genie
  • Yes
DailyPay
  • No
Dave
  • Yes
EarnIn
  • No
Empower
  • Yes
FloatMe
  • Yes
Go2Bank
  • Yes
Grid
  • Yes
MoneyLion
  • Yes
Payactiv
  • No
Possible FinanceMaybe
SoLo FundsMaybe
Super.com
  • No
Varo
  • Yes
Vola
  • Yes
Wisely
  • Yes

Should I stick with Current?

There are a lot of solid reasons to stay with Current if you’re already using it. Its advance limit of $750 is higher than most, it has no mandatory fees and it also has free overdraft protection. Plus, it has a ton of other features, such as savings and budgeting tools, a credit builder card and you can even trade crypto on it.

But Current may not work for everyone. For example, if you don’t get paid by direct deposit, you aren’t eligible for Current cash advances. You also need to have at least $500 in eligible deposits to qualify. Plus, there are a handful of states where Current may not offer all services. If any of these reasons apply to you, check out some of our other top picks for cash advance apps.

Alternatives to cash advance apps for Current customers

Cash advance apps are a handy tool when you need a little cash between paychecks. But it may take time to work up to larger advances, and if you need more than the $750 Current offers, consider some alternatives.

  • Personal loans. For loan amounts up to $50,000 or more, a personal loan may be the way to go, but you’ll need good credit to qualify for the best rates.
  • Short-term loans. If your credit isn’t the best, an installment loan or other short-term loans can be easier to qualify for and have options for borrowers with bad credit.
  • Credit card cash advances. Rates are high for credit card cash advances, but it’s one option in an emergency. Or you could apply for a card with a 0% introductory rate that offers interest-free financing for up to a year or more.
  • Buy now, pay later (BNPL) apps. While they can’t help you if you need cash, apps like Affirm and other BNPL apps can allow you to make larger purchases, — usually interest-free — and pay over several installments.
  • Credit counseling. Nonprofit credit counseling agencies are free or low-cost and can help you create a budget and find ways to work within your income to avoid the need for cash advance apps.
  • Local resources. Cities and states offer programs to help with utilities, food and rent when money is tight. These resources may be able to help you if you find yourself relying on cash advance apps to make ends meet.

Bottom line

These six apps that work with Current aren’t your only options when you need a quick influx of cash. Also consider these cash advance apps and other alternatives to payday loans.

Megan B. Shepherd's headshot
To make sure you get accurate and helpful information, this guide has been edited by Megan B. Shepherd as part of our fact-checking process.
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Written by

Writer

Lacey Stark is a freelance personal finance writer for Finder, specializing in banking, loans, investing, estate planning, and more. She has 20 years of experience writing and editing for magazines, newspapers, and online publications. A word nerd from childhood, Lacey officially got her start reporting on live sporting events and moved on to cover topics such as construction, technology, and travel before finding her niche in personal finance. Originally from New England, she received her bachelor’s degree from the University of Denver and completed a postgraduate journalism program at Metropolitan State University also in Denver. She currently lives in Chicagoland with her dog Chunk and likes to read and play golf. See full bio

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