Cash Advance Apps Without Subscription Fees

EarnIn offers advances based on the wages you've earned but haven't been paid for, and it never charges a monthly fee. Advance limits are $150 per day up to a maximum of $1,000 per pay period, but exact amounts depend on how much you make. Standard transfers typically take one to two days, but if you need your funds right away, fast transfers cost between $2.99 and $5.99.

Like most cash advance apps, EarnIn doesn't charge interest or late fees, and there's no credit check required. But you need to earn at least $320 per pay period, and the fast transfer service is not available in all states. You'll also need to provide a work email address or allow GPS tracking to verify your hours worked, which may not be a viable option for some workers.

• Not available in: Connecticut, District of Columbia

• Why we like it

  EarnIn offers advances based on the wages you've earned but haven't been paid for, and it never charges a monthly fee. Advance limits are $150 per day up to a maximum of $1,000 per pay period, but exact amounts depend on how much you make. Standard transfers typically take one to two days, but if you need your funds right away, fast transfers cost between $2.99 and $5.99.

  Like most cash advance apps, EarnIn doesn't charge interest or late fees, and there's no credit check required. But you need to earn at least $320 per pay period, and the fast transfer service is not available in all states. You'll also need to provide a work email address or allow GPS tracking to verify your hours worked, which may not be a viable option for some workers.

• Pros and cons

  Pros

  • No interest or mandatory tipping
  • Lighting speed fee is lower than some other apps
  • Balance tracking alerts

  Cons

  • Must receive paycheck by direct deposit
  • Verification of employment earnings required

• More details

  Loan amount	Up to $1,000
  Interest rate type	Fixed
  APR	0%
  Loan Term	1 to 4 weeks
  Turnaround time	1-2 business days standard, in minutes with a small fee

• Partner terms and conditions

  EarnIn is not a bank. Access limits are based on your earnings and risk factors. Available in select states. Terms and restrictions apply. Visit EarnIn.com for full details. Expedited transfers available for a fee. Visit Earnin.com for full details.

Current provides up to $1,000 in cash advances with no interest, late fees or mandatory subscription fees. In most cases, your advance is repaid out of your next pay deposit, but Current gives you up to 35 days to repay it before cutting off access to loans. It also offers fee-free overdraft protection of up to $100 for qualified users, and you can trade crypto on it.

To qualify for advances, you'll need at least $500 in eligible payroll deposits to your Current account or a linked external bank account. You can get free transfers within three days, but if you want it faster, you'll have to pay a fee, which is undisclosed until you request an advance.

• Not available in: Wisconsin

• Why we like it

  Current provides up to $1,000 in cash advances with no interest, late fees or mandatory subscription fees. In most cases, your advance is repaid out of your next pay deposit, but Current gives you up to 35 days to repay it before cutting off access to loans. It also offers fee-free overdraft protection of up to $100 for qualified users, and you can trade crypto on it.

  To qualify for advances, you'll need at least $500 in eligible payroll deposits to your Current account or a linked external bank account. You can get free transfers within three days, but if you want it faster, you'll have to pay a fee, which is undisclosed until you request an advance.

• Pros and cons

  Pros

  • No interest, late fees or subscription fees
  • Have up to 35 days to repay
  • Overdraft protection for some users

  Cons

  • Undisclosed fast transfer fee
  • Must have a Current account set up

• More details

  Loan amount	$50 - $1,000
  Interest rate type	Fixed
  APR	0%
  Loan Term	Next deposit
  Turnaround time	Up to 3 days or within an hour for a fee

Chime is a popular mobile banking app with numerous services, including MyPay, which offers advances up to $500 with no mandatory fees. And you can receive your transfer within 24 hours for free, which is much faster than most apps. Or you get your funds within minutes for a flat 3% of the advance amount ($2 minimum, $5 maximum) fee — about the smallest fee we can find.

But you need a Chime checking account and Chime debit card to qualify for advances, and you must receive your pay by direct deposit to your Chime account. If you prefer to get your pay deposited to an external account, you won't have access to MyPay, and it's not available in all states yet.

• 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

  Chime is a popular mobile banking app with numerous services, including MyPay, which offers advances up to $500 with no mandatory fees. And you can receive your transfer within 24 hours for free, which is much faster than most apps. Or you get your funds within minutes for a flat 3% of the advance amount ($2 minimum, $5 maximum) fee — about the smallest fee we can find.

  But you need a Chime checking account and Chime debit card to qualify for advances, and you must receive your pay by direct deposit to your Chime account. If you prefer to get your pay deposited to an external account, you won't have access to MyPay, and it's not available in all states yet.

• Pros and cons

  Pros

  • Free transfers occur within 24 hours
  • Smallest fee for funds within minutes
  • No interest, credit checks or mandatory fees

  Cons

  • Not available in all states
  • Must have qualifying deposits of at least $200

• More details

  Loan amount	$20 - $500
  Interest rate type	Fixed
  APR	0%
  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: Some Restrictions Apply. To be eligible for MyPay, 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”). Your MyPay Credit Limit and Maximum Available Advance 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 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; see back of card for issuer. 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.

Money App offers advances up to $250, which is on the small side for this list, but at least it doesn't charge a monthly fee, interest or late charges. You'll need an external checking account with a debit card to qualify, and you have to get paid by direct deposit.

Free transfers only take about one to three days, but if you need the money right away, you'll pay between $4.99 and $15.99 for an expedited transfer. Money App requires a mandatory cooling-off period after repaying your advance before you can get another, but it doesn't say for how long, and it's not available in all states.

• Why we like it

  Money App offers advances up to $250, which is on the small side for this list, but at least it doesn't charge a monthly fee, interest or late charges. You'll need an external checking account with a debit card to qualify, and you have to get paid by direct deposit.

  Free transfers only take about one to three days, but if you need the money right away, you'll pay between $4.99 and $15.99 for an expedited transfer. Money App requires a mandatory cooling-off period after repaying your advance before you can get another, but it doesn't say for how long, and it's not available in all states.

• Pros and cons

  Pros

  • Includes budgeting tools
  • No monthly fee, interest or late fees

  Cons

  • Not available in all states
  • Must get paid by direct deposit
  • How long you have to wait between advances is unclear

• More details

  Loan amount	$25 - $250
  Interest rate type	Fixed
  Loan Term	Next deposit or pay date
  Turnaround time	1 to 3 business days or instant for a fee

SoLo Funds is a peer-to-peer cash advance app where users can lend or borrow money. It offers advances up to $575, and it doesn't charge interest or a monthly membership fee. But it accepts optional tips to lenders and/or donations to SoLo Funds — and, if you don't add a tip to your loan request, you have to wonder if your request will be fulfilled. Free funding may take up to three days, but if you want it expedited, it'll cost you 1.75% of the loan amount.

Plus, unlike most cash advance apps, SoLo Funds charges a late fee of 10% if you don't pay it back within 35 days. You'll also be on the hook for a transaction fee of 2 x (.9% of the principal + $0.70).

• Not available in: California, District of Columbia

• Why we like it

  SoLo Funds is a peer-to-peer cash advance app where users can lend or borrow money. It offers advances up to $575, and it doesn't charge interest or a monthly membership fee. But it accepts optional tips to lenders and/or donations to SoLo Funds — and, if you don't add a tip to your loan request, you have to wonder if your request will be fulfilled. Free funding may take up to three days, but if you want it expedited, it'll cost you 1.75% of the loan amount.

  Plus, unlike most cash advance apps, SoLo Funds charges a late fee of 10% if you don't pay it back within 35 days. You'll also be on the hook for a transaction fee of 2 x (.9% of the principal + $0.70).

• Pros and cons

  Pros

  • Reports payments to credit bureaus
  • High initial advance amount compared to other apps
  • No credit check, or subscription fees to get started

  Cons

  • Charges late fees
  • Charges transaction fees
  • Mixed customer reviews

• More details

  Loan amount	$20 - $575
  Interest rate type	Fixed
  APR	N/A
  Loan Term	Up to 35 days
  Turnaround time	As soon as same day or instant for a fee

Cash App Borrow doesn't charge a monthly subscription fee to qualify for advances, and there is no fee for fast transfers because funds arrive the same day you apply. However, there is a 5% fee per advance and a 1.25% weekly interest charge if you don't repay it by your due date. The upside of Cash App is that you can use all its other services for free and only pay a fee if you need to borrow money.

• Available in all states

• Why we like it

  Cash App Borrow doesn't charge a monthly subscription fee to qualify for advances, and there is no fee for fast transfers because funds arrive the same day you apply. However, there is a 5% fee per advance and a 1.25% weekly interest charge if you don't repay it by your due date. The upside of Cash App is that you can use all its other services for free and only pay a fee if you need to borrow money.

• Pros and cons

  Pros

  • No membership fee
  • Funds arrive same day you apply for free
  • Extra services are free

  Cons

  • Fee per advance
  • Weekly interest if you don't repay by due date
  • Charges late fees

• More details

  Loan amount	$20 - $500
  Interest rate type	Fixed
  Loan Term	Same day
  Turnaround time	Same day

Varo offers cash advances up to $1,000 (or up to $250 for new users), and you don't need to pay a monthly fee to be eligible for advances. It also offers instant funding, but there's a flat fee for each advance. Depending on how much you borrow, your fee is between $1.60 and $100. If you need to borrow more than $1,000, Varo offers a credit line of up to $2,000 with a similar fee structure but a longer loan term.

• Why we like it

  Varo offers cash advances up to $1,000 (or up to $250 for new users), and you don't need to pay a monthly fee to be eligible for advances. It also offers instant funding, but there's a flat fee for each advance. Depending on how much you borrow, your fee is between $1.60 and $100. If you need to borrow more than $1,000, Varo offers a credit line of up to $2,000 with a similar fee structure but a longer loan term.

• Pros and cons

  Pros

  • No interest or credit check
  • Transparent fee structure
  • Repay within 30 days
  • Same-day advance

  Cons

  • Must have Varo bank account
  • Max fees run high

• More details

  Loan amount	$20 - $1,000
  Interest rate type	Fixed
  APR	Fee based
  Loan Term	30 days
  Turnaround time	Instant, once qualified

• Partner terms and conditions

  Varo Advance qualification is subject to evaluation of consumer reports and Varo account activity. If approved, initial limits range from $20- $250. Unlock higher limits up to $1,000 over time when you bring your qualifying direct deposit to Varo and build a positive history with us. Negative repayment history may impact credit. Fees range from $1.60 - $100 based on loan amount, and deposits to your Varo Bank Account. Your current limit and applicable fees can be viewed in the Varo App. Qualifying direct deposits are electronic deposits of your paycheck, pension or government benefits (such as Social Security or unemployment) from your employer or government agency to the extent that can be identified. Tax refunds and government stimulus payments, Person-to-Person payments (such as Venmo +or Varo to Anyone), and funds deposited using a Varo routing number are not considered a direct deposit.