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.
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 time
Within 24 hours or $2 for instant transfers
Costs
No 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
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.
Pros
Instant transfers only $2
No monthly fees or minimum balances
Has overdraft protection and credit building
Cons
Requires direct deposit
Not available in all states
Advances typically start on the low end
Loan amount
Up to $500
Loan Term
Until next deposit
Turnaround time
Within 24 hours or $2 for instant transfers
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: To be eligible for MyPay, you must receive Qualifying MyPay Direct Deposits to your Chime Checking Account as set forth in the MyPay Agreement. A Qualifying MyPay 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”). Your MyPay Credit Limit and Available Advance Amount may change at any time. 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 - $500 Credit Limit per pay period. Your Credit Limit and Maximum Available Advance will be displayed to you within the Chime app. MyPay is currently only available to eligible Chime members in certain states. Other restrictions may apply. See Bancorp MyPay Agreement or Stride MyPay Agreement for details. Instant funds: Option to get funds instantly for $2 per advance or get funds for free within 2 days. See Bancorp MyPay Agreement or Stride MyPay Agreement for details.
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 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 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
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
APR
0%
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
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 time
1 to 3 business days or instant with a Premium subscription or 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.
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
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.
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 time
Same day
Costs
5% flat fee
Available in all states
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.
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 time
Instant, once qualified
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.
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 amount
Up to $500
Turnaround time
Within 5 hours or instant to Vola card
Costs
$2.99 to $28.99 membership fee
Available in all states
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.
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
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.)
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.
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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