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Free cash advance apps

Finding it hard to find a cash advance app that’s truly free? We get it, so we did the research to find the best cash advance apps with the fewest fees.

Cash advance apps are fast and convenient, and most don’t charge interest or late fees. A few don’t even charge a monthly subscription fee, which can be a drag if you only need an occasional influx of cash to get you to your next paycheck.

However, despite the hype and convenience, most cash advance apps aren’t truly free. But some have minimal charges and may even be completely free aside from fees for instant transfers.

Is there a cash advance app that’s really free?

After researching every cash advance app we could find, only one is truly free. And, although it’s not a true cash advance app, the end result is nearly the same if you find yourself a little short between pay periods.

Chime SpotMe

Chime SpotMe isn’t technically a cash advance app; it’s an overdraft protection service. But it works similarly since purchases made from your Chime Checking account and ATM withdrawals are covered up to $200. And it’s totally free! There isn’t a monthly subscription fee, and instant transfers to your account — up to your limit — are available at no charge.

However, new users are typically only eligible for $20 at first, and some reviewers say it can take a long time to reach a higher overdraft limit. Plus, the overdraft feature only works for your Chime Checking account or debit card, so your external bank account isn’t covered. Finally, Chime requires qualifying direct deposits to your Chime account to access the SpotMe feature, so it isn’t an option if you don’t get paid by direct deposit.

5 top cash advance apps that don’t charge subscription fees

While most cash advance apps charge monthly subscription fees to access cash advance features, a few are nearly free — which means you won’t pay any fees unless you want the funds transferred to your account instantly. If you can wait a few days, these apps are free.

EarnIn cash advance app

If you want to access cash up to $750 between pay periods, EarnIn may fit the bill. You can only access up to $100 a day with this app, and actual limits are based on your wage and the hours you’ve already worked. However, EarnIn doesn’t charge a monthly subscription, and transfers can be deposited as soon as the next day for free.

If you need the money right away, you’ll pay a fee to expedite the funds. The fee amount is disclosed when the transfer is initiated. And, because advances are based on hours worked, you may need to upload timesheets or otherwise verify your employment.

SoLo Funds

Like Chime SpotMe, SoLo Funds isn’t technically a cash advance app, but it offers fast, interest-free loans up to $575. SoLo is a peer-to-peer (P2P) lending platform rather than a cash advance app, but the result is nearly the same, and there are no monthly subscription fees. But you’ll pay a 1.75% fee to have the funds deposited instantly to your external bank account.

While some lenders fund loans on the same day, there is no guarantee that a lender will pick up your loan right away. Plus, although these are no-fee, no-interest loans, SoLo lenders accept optional tips. If you choose not to tip — or tip very little — it could potentially be more difficult to find a lender.

MoneyLion cash advance app

MoneyLion is a cash advance app that offers advances up to $500 without a monthly subscription fee. Plus, instant transfer fees start at only $0.49 and are capped at $8.99. This feature is great for people who only need an occasional influx of funds and don’t want to be charged every month or pay large fees to expedite the transfer.

However, like many other apps similar to MoneyLion, it may take a while to qualify for the maximum advance. MoneyLion requires direct deposit to qualify for advances, so this isn’t a viable option for self-employed or gig workers.

Current cash advance app

Current offers advances up to $500 for workers with eligible payroll deposits, and it doesn’t charge a monthly subscription fee. You can have your paychecks deposited into your Current account or your external bank account if it can link to Current and detect your payroll deposits.

Free advances arrive within one to three days, but you’ll pay a fee for instant advances, which arrive within the hour. Current doesn’t disclose its expedited transfer fees on its website, but it says it will notify you of the fee before confirming the transfer.

Honorable mention: Vola cash advance app

We thought the Vola app was worth mentioning with this group because, unlike most cash advance apps, it doesn’t charge any fees for transfers — up to $300 — regardless of how you choose to receive the funds. Depending on the time of day you request the transfer, you could have the money deposited in your account in as little as five hours. If you have a Vola card, you’ll receive the money instantly.

Vola has a free membership tier offering access to advances, but you have to email customer support at hello@volafinance.com, which may not be fast enough for some. However, with premium subscriptions starting as low as $1.99 — the lowest monthly fee we can find — it may be a worthwhile tradeoff since you won’t pay any expedited transfer fees. Plus, Vola doesn’t require direct deposit to qualify for advances, making this a solid option for self-employed and gig workers.

Check out subscription fees, turnaround times and instant transfer fees from some of the most popular cash advance apps and similar providers.

Cash advance appAdvance amountStandard turnaround timeSubscription feeInstant transfer feeOptional tips
Albert$25 to $250Instant$14.99FreeNo
B9$30 to $500Instant$9.99 or $19.99FreeNo
Beem$5 to $1,000Undisclosed time for free, instant for a fee$2.47 to $12.97$1 to $4No
BranchUp to 50% of paycheck, up to $1,000Within 3 business days, instant with delivery feeFree$2.99 to $4.99No
Brigit$50 to $2502 to 3 business days or instant with a Premium subscription or for a fee.$8.99 to $14.99 monthly membership fee$3.99No
Cash App Borrow$20 to $200Same dayFreeNone, but 5% fee for advanceNo
Chime MyPayUp to $500Within 2 days or instant for a feeFree$2Yes
Chime SpotMeUp to $200InstantFreeFreeYes
CleoUp to $2503 to 4 days standard transfer. Same day with $3.99 to $9.99 express fee.$5.99$3.99No
Credit GenieUp to $1001 to 3 business days or i day or instant for a fee$4.99UndisclosedYes
Current$50 to $500Within 3 business days, instant with delivery feeFreeUndisclosedYes
DailyPayUp to 100% of earned wages, $1,000 daily limitNext business day or instant with a DailyPay card or for a feeFreeUndisclosedNo
DaveUp to $500Up to 3 business days or instant for a feeUndisclosedUp to $25Yes
EarnInUp to $750 per pay period, but only $100 per day1 to 3 business days or instant for a feeFreeUndisclosedYes
Empower Cash Advance$10 to $300Next day or instant to Empower Card or for a fee$8$1 to $8Yes
Empower Thrive (line of credit)$200 to $1,000Instant for a fee$8Up to 3%Undisclosed
FloatMe$10 to $1001 to 3 business days or within 8 hours for a fee$3.99$3 to $7No
Go2BankUp to $200Instant from bank or participating financial institution for fees$5 but may be waived$10 or 5%, plus possible fees from ATM or bank and 26.99% interestNo
GridUp to $200Within 8 hours for $2.99 or 1 to 3 days for free delivery$10$2.99No
KloverUp to $200Within 3 days or within hours for a fee3.99Up to $20.78Yes
MoneyLionUp to $500 or $1,000 with RoarMoney accountUp to 5 days or instant for a fee of $0.49 to $8.99Free (or $1 to $5 for RoarMoney account)Up to $8.99Yes
ONE@WorkUp to 50% of earned wagesSame day for a fee or pick up at Walmart or within 1 day to bank accountNo membership fee.UndisclosedNo
Payactiv$200 minimum per pay period or 50% of earned wages, whichever is greaterWithin 1 to 3 or days or instant onto Payactiv card or for a feeFreeUndisclosedNo
Possible FinanceUp to $500As fast as 1 business dayFreeN/A but charges $15 to $20 per $100 borrowedNo
SoLo Funds$20 to $575As soon as same day or instant for a feeFree1.75% of loan amountYes
Super.com$20 to $200Express transfers for a fee$15UndisclosedYes
VaroUp to $500Instant but charges a feeFreeUp to $40No
VolaUp to $300As soon as same day or instant with Vola card$1.99
WiselyUndisclosed, based on earned wagesInstant to Wisely cardFreeUnclearNo

Alternatives to cash advance apps

If you don’t qualify for loans from cash advance apps — or the loan amounts are too small — there are some alternatives to consider if you need fast funding.

  • Credit card cash advances. If you have a credit card with enough available balance, you can get a cash advance right away from a bank or ATM. But credit cards charge higher interest rates on cash advances than normal purchases.
  • No-credit-check loans. If you want a little more time to pay your loans, no-credit-check installment loans may have higher loan amounts and more time to repay your debt. However, you’ll probably wind up paying higher fees because of the increased risk to the lender.
  • Personal loans. If you qualify, personal loans can offer fast loans at higher amounts and with longer repayment terms than cash advance apps, but you’ll need a good credit score to get the best interest rates.
  • Secured loans. If you have something of value to use as collateral, a secured loan could cover your cash flow needs.
  • Employer paycheck advance. Do you have a cool boss? You might be able to get an advance on your paycheck from your employer.

Bottom line

Cash advance apps can be a great convenience if you need a fast loan that doesn’t require a credit check or charge interest. However, most cash advance apps aren’t truly free, and they typically charge some types of fees — whether it’s expedited transfer fees or a monthly subscription. But, if you look around, you can find quite a few that charge minimal fees or are virtually free if you don’t need the money right away.

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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