These cash advance apps help employees access their earned income when needed. This allows for peace of mind to meet financial obligations without having to wait for payday.
5 cash advance apps that work with PayPal
In a time where 69% of American consumers report they use PayPal as their top digital wallet, according to a Forbes Advisor survey, there’s no question that cash advance apps associated with PayPal may seem like a compatible option for employees. Since not all cash advance apps are integrated with PayPal, we break down 5 cash advance apps that are.
Chime is an online banking platform, with its SpotMe feature recognized for its quick transactions and absence of fees, making it a dependable choice for many users. If you're a Chime customer with an active debit card, its SpotMe feature can help you avoid costly overdraft fees.
To qualify for SpotMe, you must have a qualifying direct deposit of at least $200 sent to your Chime checking account every month. While $20 in overdrafts isn't much, Chime may raise your overdraft feature limit up to $200 based on your direct deposit activity, spending habits and other factors.
Loan amount
$20 - $200
Turnaround time
Instant
Costs
No fee
Available in all states
Chime is an online banking platform, with its SpotMe feature recognized for its quick transactions and absence of fees, making it a dependable choice for many users. If you're a Chime customer with an active debit card, its SpotMe feature can help you avoid costly overdraft fees.
To qualify for SpotMe, you must have a qualifying direct deposit of at least $200 sent to your Chime checking account every month. While $20 in overdrafts isn't much, Chime may raise your overdraft feature limit up to $200 based on your direct deposit activity, spending habits and other factors.
Pros
Low $200 qualifying amount in last 34 days
Can be accessed by gig workers and full-time employees
Peer-to-peer compatibility with PayPal, CashApp and Venmo
No fee service
Cons
Lower customer service ratings
Won't cover non-debit card purchases such as ACH transfers
Can only overdraw up to $20 at the beginning of service
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.
Varo Advance, provided by Varo Bank, offers instant access to up to $100 in cash through the Varo Bank app, with no interest and only a small fee per advance. Upon qualification, customers are assigned a credit limit ranging from $20 to $250 based on their account activity, balances and direct deposits. If you make regular on-time payments, Varo may increase your limit up to $500.
Most cash advance apps require repayment by your next payday, but Varo allows up to 30 days to repay — plus, you get to choose your repayment date. With Varo, you control how and when you pay back your advance.
Loan amount
$20 - $500
Turnaround time
Instant but charges a fee
Varo Advance, provided by Varo Bank, offers instant access to up to $100 in cash through the Varo Bank app, with no interest and only a small fee per advance. Upon qualification, customers are assigned a credit limit ranging from $20 to $250 based on their account activity, balances and direct deposits. If you make regular on-time payments, Varo may increase your limit up to $500.
Most cash advance apps require repayment by your next payday, but Varo allows up to 30 days to repay — plus, you get to choose your repayment date. With Varo, you control how and when you pay back your advance.
Pros
Flexible repayment date
Immediate transfer available within minutes
No interest added to payments
Cons
Need $800 minimum in Varo Bank account or linked savings
Dave is a well-known banking app that offers small cash advances of up to $500, in addition to credit-building services and automatic budgeting tools. The app charges a Undisclosed monthly membership fee for its services and a small fee for “Express” funding, which allows users to receive their advance in less than eight hours. Unlike some of its rivals, Dave is recognized for waiving overdraft fees for its customers and providing various features, including overdraft warnings and budgeting tools.
Loan amount
Up to $500
Turnaround time
Up to 3 business days or instant for a fee
Costs
Undisclosed
Available in all states
Dave is a well-known banking app that offers small cash advances of up to $500, in addition to credit-building services and automatic budgeting tools. The app charges a Undisclosed monthly membership fee for its services and a small fee for “Express” funding, which allows users to receive their advance in less than eight hours. Unlike some of its rivals, Dave is recognized for waiving overdraft fees for its customers and providing various features, including overdraft warnings and budgeting tools.
Pros
Two delivery speeds
No fees or interest for basic plan
Side hustle extra cash feature
Cons
Fees may range from $3 to $15 for immediate transfer
MoneyLion provides Instacash, a cash advance service that offers interest-free cash advances of up to $500, with the potential to increase to $1,000 based on qualifying income. This service, available through the MoneyLion app, does not require a credit check, making it a convenient option for users in need of quick funds.
Loan amount
$50 - $500
Turnaround time
Up 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
MoneyLion provides Instacash, a cash advance service that offers interest-free cash advances of up to $500, with the potential to increase to $1,000 based on qualifying income. This service, available through the MoneyLion app, does not require a credit check, making it a convenient option for users in need of quick funds.
Pros
No interest or monthly fees with basic plans
24-hour customer service, 7 days a week
One-stop shop for loans, insurance or even landing a side hustle
Cons
Funds can take up to five days unless you pay a fee
Your bank account must have a positive balance and be two months old
Need to pay Free (or $1 to $5 for RoarMoney account) a month to unlock $700 in InstaCash
Loan amount
Up to $500 or $1,000 with RoarMoney account
Loan Term
Due by your next pay date
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
Loan amount
$50 - $500
Turnaround time
Up to 5 days or instant for a fee of $0.49 to $8.99
DailyPay is an on-demand pay platform that lets workers access their earned pay early. The platform is compatible with various payment methods, including debit cards, although not all US banks support direct transfers to debit cards. Unlike some competitors, DailyPay is not a loan or a paycheck advance but rather a means for employees to transfer their already-earned pay to their bank account or card, offering a convenient alternative to traditional payday cycles.
Loan amount
Up to 100% of earned wages, $1,000 daily limit
Turnaround time
Next business day or instant with a DailyPay card or for a fee
Available in all states
DailyPay is an on-demand pay platform that lets workers access their earned pay early. The platform is compatible with various payment methods, including debit cards, although not all US banks support direct transfers to debit cards. Unlike some competitors, DailyPay is not a loan or a paycheck advance but rather a means for employees to transfer their already-earned pay to their bank account or card, offering a convenient alternative to traditional payday cycles.
Pros
Can transfer up to five times a day up to a collective $1,000 limit
You can access 100% of your earned income
Can transfer immediately, even on weekends and holidays
Cons
Can only access if employer has partnership with DailyPay
Poor customer service rating
Not supported by all US banks
Loan amount
Up to 100% of earned wages, $1,000 daily limit
Loan Term
Not stated
Turnaround time
Next business day or instant with a DailyPay card or for a fee
Loan amount
Up to 100% of earned wages, $1,000 daily limit
Turnaround time
Next business day or instant with a DailyPay card or for a fee
We evaluated various pay advance apps compatible with ADP, comparing loan amounts, turnaround times, fees and eligibility.
Does my cash advance app work with PayPal
If you have a favorite app that didn’t make our list, it might still work with ADP. Browse our table to see which cash advance, payday loan and installment loan apps will or won’t work with the app.
If you’re considering using cash advance apps compatible with PayPal, weigh the pros and cons. These apps provide a convenient way to access funds, and the integration with PayPal offers a secure and familiar platform for transactions.
However, not all cash advance apps are compatible with PayPal. For example, popular cash advance apps such as Brigit may not be connected with PayPal yet. If PayPal compatibility is a priority for you, research other options.
Pros and Cons of PayPal
Here are the pros and cons of using cash advance apps connected to PayPal:
Pros
Quick Access to Funds: Some cash advance apps allow you to get your money within minutes, helping you effectively manage your finances.
Secure Transactions: When integrated with PayPal, these apps provide a secure and familiar platform, ensuring the safety of your financial activities.
Convenience: Cash advance apps linked to PayPal offer a straightforward way to access funds and transfer money directly to your PayPal account, providing flexibility and user-friendly options.
Cons
Potential Fees: Certain cash advance apps associated with PayPal may charge fees, reducing the amount of earned wages you can access. This is especially the case if you use a debit or credit card.
Limited Integration: Not all cash advance apps are fully integrated with PayPal, limiting the choices available.
Transfer Speed: Some apps may take longer to process fund transfers to PayPal, affecting the speed at which you can access your funds.
Alternatives to Cash Advance Apps for PayPal customers
If you are a PayPal user or exploring alternative options, select solutions that align with your financial needs. While PayPal and its associated apps provide employees with quick fund access, they may not be compatible options for everyone. If you prefer cash advance apps not in partnership with PayPal, you may find the following alternatives helpful:
Consider a Payday Alternative Loan (PAL) offered by some credit unions to help members avoid the pitfalls of payday loans.
Dhara Singh was a freelance personal finance writer at Finder specializing in loans. Formerly she was a top 10 journalist at Yahoo Finance with more than 38+ million content views where she covered retirement and mortgages. She has also written for Bankrate, and CNET and continues to write for a variety of outlets, such as Investopedia and Worth magazine. Her articles focus on equipping readers with the right information and data so they can make the most informed decisions related to their finances.
Dhara previously worked as an insights analyst for Finder’s PR team, where she started the Deadliest Cities to Drive series in 2018, connecting interesting data analysis to a suite of car insurance products. When she’s not writing, Dhara coaches small business owners through her Stories to Sales programs and empowers them to use their life experiences to help other people. She has also self-published a poetry book on Amazon called Tell her She’s Lovely.
Dhara holds a B.S. in Finance and Supply Chain Management from Rutgers University and a M.S. in Journalism from Columbia University. See full bio
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