Cash Advance Apps That Work With Current

Some pay advance apps cost more than others. Chime MyPay stands out with no monthly subscription fee, only charging 3% of the advance amount ($2 minimum, $5 maximum) for instant transfers — unlike Current, where fast transfer fees increase the more you borrow. MyPay gives eligible users access to up to $500 between paydays with no interest or credit check. Like Current, Chime also offers fee-free overdraft protection via SpotMe, a credit builder card, and a savings account. Note that MyPay requires direct deposit, so you'd need to split your paycheck between Chime and Current if using both.

• Not available in: Colorado, Connecticut, Georgia, Illinois, Maine, Maryland, Massachusetts, Minnesota, Montana, Nevada, New Jersey, New Mexico, South Dakota, Vermont, Washington, Wyoming

• Why we like it

  Some pay advance apps cost more than others. Chime MyPay stands out with no monthly subscription fee, only charging 3% of the advance amount ($2 minimum, $5 maximum) for instant transfers — unlike Current, where fast transfer fees increase the more you borrow. MyPay gives eligible users access to up to $500 between paydays with no interest or credit check. Like Current, Chime also offers fee-free overdraft protection via SpotMe, a credit builder card, and a savings account. Note that MyPay requires direct deposit, so you'd need to split your paycheck between Chime and Current if using both.

• Pros and cons

  Pros

  • No monthly fees or minimum balances
  • Instant transfer fee capped at $5

  Cons

  • Requires direct deposit
  • Not available in all states
  • Access limits may start low

• More details

  Loan amount	Up to $500
  Loan Term	Until next deposit
  Turnaround time	Instant transfers: 3% of the advance amount ($2 minimum, $5 maximum)

• Partner terms and conditions

  MyPay® line of credit provided by The Bancorp Bank, N.A. or Stride Bank, N.A. MyPay services provided by Chime Capital, LLC (NMLS 2316451). MyPay eligibility: You must receive qualifying direct deposits to your Chime Checking Account in the preceding 36 days as set forth in the MyPay Agreement. A qualifying direct deposit is a deposit from an employer, payroll provider, gig economy payer, government benefits payer, or other permitted source of income by Automated Clearing House (“ACH”) or Original Credit Transaction (“OCT”). MyPay is currently only available to eligible Chime members in certain states. Other restrictions apply. MyPay is a line of credit and available limits are based on estimated income and risk-based criteria. Eligible members may be offered a $20 - $1000 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. Your MyPay Credit Limit and Maximum Available Advance may change at any time. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. Instant funds: Option to get funds instantly for a fee of 3% of the advance amount ($2 minimum, $5 maximum) per advance, or get funds for free within 24 hours. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. SpotMe: SpotMe® on Credit is an optional, no interest/no fee overdraft line of credit tied to the Secured Deposit Account. SpotMe on Debit is an optional, no fee service attached to your Chime Checking Account (individually or collectively, "SpotMe"). Eligibility for SpotMe requires $200 or more in qualifying direct deposits to your Chime Checking Account each month. Qualifying members will be allowed to overdraw their Chime Checking Account and/or their Secured Deposit Account up to $20 in total, but may be later eligible for a higher combined 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 SpotMe Limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your SpotMe Limit. SpotMe for Credit and SpotMe on Debit share a single SpotMe limit. Your SpotMe Limit may change at any time, at Chime or its banking partners’ discretion. Although there are no overdraft fees, there may be out-of-network or third-party fees associated with ATM transactions or OTC cash withdrawal fees at retailers. SpotMe won’t cover non-card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe terms and conditions. Early Pay: 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. Savings: Chime® Checking Account is required to be eligible for a Savings Account. APY: The 4.00% Annual Percentage Yield (APY) is only available to members with Chime Prime status, otherwise, either the 3.00% APY for members with Chime Plus status or the standard rate of 1.00% APY will apply. The APYs are effective as of 10/06/2026, are variable and may change at any time. No minimum balance required. Must have $0.01 in savings to earn interest. See Chime Membership Tiers Terms and Conditions for more details. Build credit: On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

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.

• Available in all states

• Why we like it

  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.

• Pros and cons

  Pros

  • Ideal for gig workers and freelancers
  • No minimum deposit requirement
  • Tools for savings and credit building

  Cons

  • Requires a monthly subscription
  • Expedited transfer fees up to $9.99
  • Low advance amounts for first-time users

• More details

  Loan amount	$20 to $250
  Loan Term	Next deposit
  Turnaround time	3 to 4 days or instant for a fee.

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.

• Available in all states

• Why we like it

  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.

• Pros and cons

  Pros

  • Allows up 3 repayment extensions
  • Free instant transfers with Premium subscription
  • Can request advances via email without a subscription

  Cons

  • Monthly subscriptions from $8.99 to $14.99
  • Instant transfer fees up to $3.99
  • Requires at least three recurring deposits from the same source

• More details

  Loan amount	$50 to $500
  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.

• Partner terms and conditions

  ME: $25-$250 only

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.

• Available in all states

• Why we like it

  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.

• Pros and cons

  Pros

  • Loans up to $1,000
  • No monthly subscription required
  • Fund transfers are same day for no extra charge

  Cons

  • 5% fee on all loans
  • Charges a weekly 1.25% fee on late payments
  • Not available to all users

• More details

  Loan amount	$20 to $500
  Loan Term	Same day
  Turnaround time	Same day

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 $100.

• Why we like it

  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 $100.

• Pros and cons

  Pros

  • Lines of credit up to $2,000
  • Advances up to $500
  • Longer loan terms

  Cons

  • Hard credit check required for LOC
  • Cash advance fees up to $100

• More details

  Loan amount	Up to $2000
  Loan Term	15 to 30 days
  Turnaround time	Instant, once qualified

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 $300 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.

• Available in all states

• Why we like it

  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 $300 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.

• Pros and cons

  Pros

  • Free fund transfers to any account
  • Transfers to Vola card are instant
  • Can extend repayment date

  Cons

  • Doesn't disclose monthly fees
  • Five-day cooling-off period between advances
  • Without Vola card, transfers could take up to 5 hours

• More details

  Loan amount	Up to $300
  Loan Term	Until next payday, but can extend
  Turnaround time	Within 5 hours or instant to Vola card