Payday is still a few days away, and your account balance isn’t looking great. Sound familiar? Cash advance apps exist for exactly this situation. They let you access a small amount of money before your next paycheck, often with no interest and no credit check.
But not all apps are created equal. Fees, limits and eligibility requirements vary quite a bit, and some apps are even mostly free. We’ve rounded up every active cash advance app we could find, including newer additions.
However, these apps are best used as a short-term bridge, not a regular borrowing habit.
No major new consumer cash advance apps launched in late 2025 or early 2026 — but the space was far from quiet. The bigger story is what changed inside existing apps, plus growing regulatory pressure on the industry as a whole. Here’s what’s actually different since last year:
When choosing a cash advance app, be sure to compare monthly subscription fees, charges for expedited transfers and additional features.
| Cash advance app | Advance amount | Cost | Turnaround time | Launch year | |
|---|---|---|---|---|---|
| EarnIn | Up to $150/day, with a max of $1000 between paydays | No mandatory fees; optional tips; Lightning Speed fee starting at $3.99/transfer | 1–2 business days standard; minutes with Lightning Speed | 2014 | |
| Brigit | $50 to $500 | $8.99 per month to use the app, free requested through email | 1 to 3 business days or instant with a Premium subscription or for a fee. | January 2018 | |
| Chime MyPay® | Up to $500 | No subscription, optional instant fee of 3% of advance amount ($2 minimum, $5 maximum) per advance | Within 24 hours free; instant for 3% fee ($2–$5) | 2012 | |
| Varo | Up to $250 today. Build up to $700 over time with direct deposit at Varo. Average loan: $195. Qualifications Apply. | Flat fee of $1.60 to $100 based on amount borrowed (no subscription, no separate instant delivery fee) | Instant | 2015 | |
| Cleo | $20 to $250 | Plus subscription: $1.99–$5.99/month (or $44.99/year); Builder subscription: $10.99–$14.99/month; express (same-day) fee: $3.99–$14.99 | 3–4 business days standard; same day with express fee | 2018 | |
| Current (Overdrive / Paycheck Advance) | Overdrive: up to $200 fee-free overdraft; Paycheck Advance: up to $750 | Free | Overdrive: instant on debit card purchases; Paycheck Advance: up to 3 days standard; within ~1 hour for instant fee | 2015 | |
| Dave | Up to $500(ME residents: $25–$250) | Up to $5/month membership fee; mandatory overdraft service fee of 5% of advance (min $5, max $15); no fee to transfer instantly to Dave Checking; 1.5% fee for express transfer to external debit card | Instant to Dave Checking account; up to 3 business days to external bank (express fee applies for faster external transfer) | 2017 | |
| Tilt | $10 to $400 | $8/month subscription (14-day free trial for new users; can request waiver via email); optional instant delivery fee: $1–$8 for advances up to ~$299; 3% for advances over $300 (capped per state law) | ~1 business day standard (free); ~15 minutes with instant delivery (fee applies); free instant delivery to qualifying Tilt Card | 2016 | |
| MoneyLion | Up to $500 (up to $700 with Credit Builder Plus membership; up to $1,000 with RoarMoney account and qualifying direct deposits) | No mandatory subscription or fees for standard delivery; optional Turbo (instant) fee: $0.49–$8.99 depending on amount and account type | 1–2 business days to RoarMoney account; up to 5 business days to external account; minutes with Turbo fee | 2013 | |
| Albert | $25 to $1,000 | No subscription required; draw fee applies; late fee may apply — you’ll see exact amounts in the app before you confirm | Within minutes | 2015 | |
| Klover | Up to $400 | $4.99/month (Klover+); advances accessible without subscription; optional instant transfer fee: $1.49–$19.99 | Up to 3 business days standard; instant for fee | 2019 | |
| SoLo Funds | $20 to $575 | No mandatory fees; optional borrower tips (0–15% of loan) and donations; 10% late fee applied on day 35; 1.75% fee for instant transfers | As soon as same day; instant transfers available for 1.75% | 2018 | |
| Possible finance | $50 to $500, except in California, where max loan amount $250 | No membership fee; fee-based (approximately $15–$20 per $100 borrowed — see app for current fee schedule) | As soon as same day | 2017 | |
| FloatMe | $10 to $100 | $4.99/month subscription | 1–3 business days standard; ~8 hours for fee ($1–$7) | 2018 | |
| Vola | Up to $300 | Starting at $1.99/month subscription | Within 5 business hours standard; instant to debit card (no extra instant delivery fee listed on official site) | 2018 | |
| B9 | Basic: up to $250/pay period. Premium: up to $1,000/pay period. New users typically start between $10 to $50. | $11.99/month or $19.99/month | Instant | 2018 | |
| Beem | $5 to $1,000 | $2.47–$12.97/month | Within 3 days or instant for a fee | A2017 | |
| Cash App borrow | $20 to $500 | Flat fee (5%) — no credit check | Same day | 2013 (Cash App launch; Borrow feature rolled out later) | |
| Grid | Up to $200 | $10 a month | Within 8 hours for $2.99; 1–3 days free | 2018 | |
| Branch | Up to 50% of paycheck, up to $1,000 | Employer-sponsored benefit; availability and fees vary by employer | Up to 3 business days; instant with optional delivery fee | 2015 | |
| DailyPay | Up to your available earned wages (specific % or cap not listed on site) | Employer-sponsored benefit; fees vary by employer arrangement | 1–3 days or instant for a fee | 2015 | |
| Payactiv | Based on earnings so far in the pay period; employers may set lower limits. Specific % not listed on site. | Employer-sponsored benefit; fees vary | Within 1–3 days; immediate to Payactiv card or for a fee | 2013 | |
| ONE@Work | Not listed | Employer-sponsored benefit | Same day if employer configured; small fee may apply | 2014 | |
| Wisely | Depends on wage and hours worked | Employer-sponsored benefit | 2002 | ||
| Go2Bank | Up to $200 | $5/month (waived with qualifying direct deposit); 26.99% APR on advances | Instant from ATM or participating bank ($10 or 5% fee) | 2021 | |
| Credit Genie | Up to $200 | $9.99 per month | Up to 3 days; same day or instant for a fee ($3.99–$7.99) | 2016 | |
| Gerald | $40 to $200 | No fees, no subscription (requires a BNPL purchase from Gerald’s store first to unlock fee-free cash advance) | Instant for eligible banks; same day otherwise | 2023 | |
| Grant | $25 to $250 | Optional $9.99/month (Grant Cash Advance Plus); no mandatory subscription for standard advances; same-day fee: $2–$21 | Same day for a fee ($2–$21); standard 3–5 days | 2024 | |
| True Finance | Up to $100 | Subscription-based; exact fee not confirmed on official site | Minutes | 2023 | |
| Kikoff | Up to $200/month overdraft | Plans starting at $5/month (credit builder subscription); overdraft itself has no fee | Instant (via Secured Card with qualifying direct deposit; up to 2 days early paycheck access) | 2019 |
Payday loans typically carry APRs around 400% and can exceed 600% depending on the state, and the majority aren’t repaid within the initial two-week window, trapping borrowers in rollover cycles.
Cash advance apps are different. Most charge flat fees rather than interest, and they don’t roll over or compound. That said, regulators and consumer advocates note that even small flat fees can translate to triple-digit APRs for frequent users. Better than payday loans for short-term gaps, but still a real cost.
Eligibility varies by app, but these are the typical requirements:
You may also need to receive your pay by direct deposit, although some cash advance providers don’t require direct deposit. In addition, providers may have minimum monthly income or deposit requirements.
A few patterns worth flagging:
If you need more than these cash advance apps can offer:
Compare cash advance apps that connect to Bank of America accounts, see fees and advance limits and check our full compatibility table before you link your account.
Compare cash advance apps that connect to your Chase account, with fees and advance limits.
Five ways to get a cash advance, what each one costs and how to pick the cheapest option for you.
Finder x EarnIn Promotion April 2026 Details and Frequently Asked Questions.
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