What app lets me borrow money instantly?

Most cash advance apps let you borrow money the same day you request it, usually for a fee. But you may want to check the fine print to see if fast transfers are really "instant" — some expedited transfers may take hours rather than minutes.

How to get $100 instantly?

If you've already established a positive repayment history with a cash advance provider, borrowing $100 should be a snap. However, if you're a new user, it can take weeks or months to be eligible for $100 advances.

How to get $500 instantly?

Advance amounts of $500 (or more) are usually more difficult to qualify for than smaller advances. You may need larger deposits, earn additional income or be a long-time user of a cash advance app.

Best Same-Day Cash Advance Apps

Finder makes money from featured partners, but editorial opinions are our own.

Numerous cash advance apps provide funding the same day you request it, but they’re not all created equal. Consider instant transfer fees, mandatory monthly charges, advance amounts and other features to find the one that makes the most sense for you.

Same-day funding almost always comes with a fee. — Most cash advance apps offer standard transfers for free in one to three business days, but getting money the same day typically requires paying an instant transfer fee.
Your advance limit is often tied to what you’ve already earned. — Apps like EarnIn calculate how much you can borrow based on hours already worked but not yet paid — requiring income verification through GPS tracking, a work email, or a timesheet upload.
Gig workers and hourly employees have tailored options. — Different apps are better suited to different work situations — EarnIn is built around hourly earnings, while Dave is highlighted as a strong pick for gig workers — so matching the app to your income type matters.

This summary was generated by AI and may contain errors or omissions.

Best same-day cash advance apps

Here are five of the best cash advance apps that offer same-day funding.

Best for hourly employees: EarnIn
Best for flexible repayments: Brigit
Best for gig workers: Dave
Best for large advances: Beem

Best for hourly employees

EarnIn

9.5 Excellent

Go to site

Read review

EarnIn lets you borrow up to $1,000 per pay period or up to $150 per day — a recent increase by the app, up from $100. It calculates your loan amount based on the hours you've worked but haven't been paid for yet. Plus, unlike many cash advance apps, there are no monthly or other mandatory fees. You only have to pay a fee if you need the money instantly.

But, to calculate your hours, you'll need to agree to GPS tracking, provide your work email or upload your timesheet. And, it costs up to $5.99 to get your money instantly.

Loan Amount	Up to $1,000
Turnaround time	1-2 business days standard, in minutes with a small fee
Costs	Free

Not available in: Connecticut, District of Columbia

EarnIn lets you borrow up to $1,000 per pay period or up to $150 per day — a recent increase by the app, up from $100. It calculates your loan amount based on the hours you've worked but haven't been paid for yet. Plus, unlike many cash advance apps, there are no monthly or other mandatory fees. You only have to pay a fee if you need the money instantly.
But, to calculate your hours, you'll need to agree to GPS tracking, provide your work email or upload your timesheet. And, it costs up to $5.99 to get your money instantly.
Pros

Advances up to $1,000 per pay period

No interest and no credit check

Relatively small instant transfer
Cons

Maximum advance is $150 per day

Charges for instant transfers

Must make at least $320 per pay period

Loan amount	Up to $150/day, with a max of $1000 between paydays
Loan Term	1 to 4 weeks
Turnaround time	1-2 business days standard, in minutes with a small fee

Loan Amount	Up to $1,000
Turnaround time	1-2 business days standard, in minutes with a small fee
Costs	Free

Go to site

Read review

Best for flexible repayments

Brigit

8.4 Great

Go to site

Read review

With most apps, you have to repay cash advances on your next payday, but Brigit allows a little more flexibility. You can extend your due date up to three times. But you need “extension credits,” which you earn by paying back two consecutive advances on or before your original due date.

Brigit offers advances up to $500 and, like most apps, doesn't charge interest or late fees. Plus, you can get transfers within 20 minutes for a small fee or for free if you subscribe to the Premium plan. Otherwise, you'll get the funds within one to three days.

Loan Amount	$50 - $500
Turnaround time	1 to 3 business days or instant with a Premium subscription or for a fee.
Costs	Brigit Plus: $8.99/month; Brigit Premium: $14.99/month

Available in all states

With most apps, you have to repay cash advances on your next payday, but Brigit allows a little more flexibility. You can extend your due date up to three times. But you need “extension credits,” which you earn by paying back two consecutive advances on or before your original due date.
Brigit offers advances up to $500 and, like most apps, doesn't charge interest or late fees. Plus, you can get transfers within 20 minutes for a small fee or for free if you subscribe to the Premium plan. Otherwise, you'll get the funds within one to three days.
Pros

Ability to extend your due date up to 3 times

Advances up to $250

Free instant advances with Premium subscription
Cons

Requires a subscription fee of $9.99 or $14.99 a month

Must earn extension credits

Undisclosed fees for fast transfers

Loan amount	$50 to $500
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 - $500
Turnaround time	1 to 3 business days or instant with a Premium subscription or for a fee.
Costs	Brigit Plus: $8.99/month; Brigit Premium: $14.99/month

Go to site

Read review

Best for gig workers

Dave ExtraCash

8.5 Great

Read review

The majority of cash advance apps require direct deposit to qualify for advances, which can be a problem for gig workers or others who don't have access to direct deposit. But Dave cash advances don't require you to be paid by direct deposit and offers advances up to $500. If you meet the requirements, you could get an advance within minutes of signing up and linking your bank account.

However, you'll pay a fee between $3 and $25 to get your advance right away. If you can wait a few days, however, the transfer is free. Dave also charges a monthly membership fee, but it doesn't disclose on its website how much that costs.

Loan Amount	Up to $500
Turnaround time	Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee
Costs	Undisclosed

Not available in: District of Columbia

The majority of cash advance apps require direct deposit to qualify for advances, which can be a problem for gig workers or others who don't have access to direct deposit. But Dave cash advances don't require you to be paid by direct deposit and offers advances up to $500. If you meet the requirements, you could get an advance within minutes of signing up and linking your bank account.
However, you'll pay a fee between $3 and $25 to get your advance right away. If you can wait a few days, however, the transfer is free. Dave also charges a monthly membership fee, but it doesn't disclose on its website how much that costs.
Pros

Advances up to $500

Instant transfers are as fast as a few minutes

Doesn't require direct deposit
Cons

Up to $25 instant transfer fees

Charges a monthly subscription fee

Not all users are eligible for the maximum advance amount

Loan amount	Up to $500
Loan Term	Varies
Turnaround time	Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee

Loan Amount	Up to $500
Turnaround time	Free instant transfers to Dave Checking, up to 3 business days for free, or within an hour for a fee
Costs	Undisclosed

Read review

Best for large loan amounts

Beem

Read review

While most cash advances top out at $250 to $500, Beem offers advances up to $1,000 for eligible users. Instant transfers — which show up within 20 minutes — only cost $1 to $4, which is relatively cheap compared to other apps.

But you must have a monthly membership to qualify for advances from Beem, and you'll need the Pro plan, at $12.97 a month, if you want advances of more than $100.

Loan Amount	$5 - $1,000
Turnaround time	Within 3 days or instant for a fee of $2 to $4
Costs	$0.99 to $12.97 per month

While most cash advances top out at $250 to $500, Beem offers advances up to $1,000 for eligible users. Instant transfers — which show up within 20 minutes — only cost $1 to $4, which is relatively cheap compared to other apps.
But you must have a monthly membership to qualify for advances from Beem, and you'll need the Pro plan, at $12.97 a month, if you want advances of more than $100.
Pros

Advances up to $1,000

Low instant transfer fees

Fast transfers within 20 minutes
Cons

Requires a monthly membership

Need the Pro plan for advances over $100

Not all users are eligible for the largest advances

Loan amount	$5 to $1,000
Loan Term	Until your next deposit.
Turnaround time	Within 3 days or instant for a fee of $2 to $4

Loan Amount	$5 - $1,000
Turnaround time	Within 3 days or instant for a fee of $2 to $4
Costs	$0.99 to $12.97 per month

Read review

Methodology: How we chose these apps

Finder’s team of loan experts analyzed more than 25 cash advance apps before narrowing them down to the best five for same-day advances. We also regularly review and update our selections to make sure our picks are the best in the market and best suited for their categories.

Each app was considered based on multiple key factors:

Advance limits
Turnaround time
Instant transfer fees
Mandatory monthly fees
Ease of use
State availability
Additional financial features

We also consider customer reviews on Google Play, the App Store, Trustpilot and the Better Business Bureau.

Other same-day cash advance options

Consider other cash advance apps that also offer same-day funding.

Cash advance app	Advance amount	Cost	Turnaround time
Cleo	$20 to $250	As low as $5.99 per monthl	3 to 4 days or instant for a fee.	Go to site
Current	$50 to $1,000	Free	Up to 3 days or within an hour for a fee	Read Review
Albert	$25 to $1,000	No subscription required	Within minutes	Go to site
B9	Basic: up to $250/pay period. Premium: up to $1,000/pay period. New users typically start between $10 to $50.	$11.99 or $19.99	Instant	Read Review
Branch	Up to 50% of paycheck, up to $1,000	Available to employees at a company that offers the app as a benefit.	Within 3 business days, instant with delivery fee	Read Review
Cash App borrow	$20 to $500	5% fee	Same day	Read Review
Credit Genie	Up to $100	$4.99 per month	Within 3 days or same day or instant for a fee	Read Review
DailyPay	Up to your available earned wages (specific % or cap not listed on site)	No fee, available for qualified consumers	1 to 3 business days: free. Instant: $3.49 flat fee (fees vary by employer — log in to your account for your specific fee).	Read Review
Tilt	$10 to $400	$8 per month	Same day or instant delivery available ($1 to $8 for instant transfer to external bank account)	Read Review
FloatMe	$10 to $200	$6.99 per month	1–3 business days standard; as little as a few hours for Instant Floats (fee applies)	Read Review
Go2Bank	Up to $200	$5 per month, no fees after eligible direct deposit, 26.99% interest charges	Instant from ATM or participating bank for $10 or 5%, whichever is greater
Grid	Up to $200	$10 a month	Within 8 hours for $2.99 or 1 to 3 days for free delivery	Read Review
Klover	Up to $400	$4.99 a month	Within 3 days or within hours for a fee	Read Review
ONE@Work	Not listed	Available to members employed at a company that offers the app as a benefit	Same day if employer has configured this benefit. If not, small fee applies	Read Review
Payactiv	Based on earnings so far in the pay period; employers may set lower limits. Specific % not listed on site.	Available to members employed at a company that offers the app as a benefit	Within 1 to 3 days or immediately to Payactiv card or for a fee	Read Review
Possible finance	$50 to $500, except in California, where max loan amount $250	No membership fee, but about $15 to $20 per $100 borrowed	As soon as same day	Read Review
SoLo Funds	$20 to $575	No fees, but asks for (optional) tips and donations	As soon as same day, but instant transfers cost 1.75%	Read Review
Super.com	$20 to $200	No fee, available for qualified consumers	Within 3 business days, instant with a small fee or Super Pay account
Varo	Up to $250 today. Build up to $1,000 over time with direct deposit at Varo. Average loan: $195. Qualifications Apply.	$1.60 to $100, available for qualified members	Instant turnaround, but fees up to $100	Go to site
Vola	Up to $300	Starting at $1.99 for advances from app or free requests via email	Within 5 hours or instant to Vola card	Read Review
Wisely	Depends on wage and hours worked	No fee, available for qualified members	Instant to Wisely card	Read Review

How to compare same-day cash advance apps

Consider these key factors when choosing a same-day cash advance app.

Turnaround time. Almost all cash advance apps can provide same-day advances, but you may want to find out exactly how long it takes — minutes, hours or longer — and if weekends or holidays factor in.
Instant transfer fees. Cash advance providers usually charge a fee for instant transfers, which increases the loan’s cost. You may want to shop around for providers with lower fees if you want the money right away or need frequent advances.
Advance limits. Consider the size of advances you want access to. Some are capped at $100, while others may go up to $1,000.
Mandatory monthly fees. Some providers require a monthly membership fee to qualify. This fee may not be worth it if you rarely get advances or don’t use other services the app offers. However, you can search for cash advance apps that don’t require a monthly fee.
Other features. Many cash advance features are part of a larger mobile banking app with a suite of useful features. If you’re also interested in budgeting, saving, investing or building credit, there’s probably an app for that.
Customer reviews. Reading reviews on Trustpilot, Google Play and the App Store are great ways to hear about real customer experiences and how easy it really is to get advances.

Pros and cons of cash advance apps

Consider the risks and rewards of same-day cash advance apps before signing up.

Pros

Fast access to cash. Most cash advance apps can fund your account within minutes of requesting an advance.
No interest. Unlike loans or credit cards, cash advance apps generally don’t charge interest on the amount you borrow.
No late fees. If you can’t repay your advance on time, you typically won’t be charged a late fee. However, you can’t take out another advance until it’s repaid.
No credit checks. Cash advance apps are an option even if you have bad credit since the apps don’t run credit checks. Instead, providers rely on other means to determine your ability to repay.

Cons

Fees for instant transfers. While you can get an advance within minutes, most apps charge a fee for fast transfers, which could cost up to $25 or more, depending on the provider and the advance amount.
Monthly subscription charges. Some providers also require you to pay for a monthly membership to be eligible for advances.
May require direct deposit. If you don’t get paid by direct deposit, you won’t qualify for many cash advance apps.
Small loan amounts. Advance amounts can be small — especially for newer users — and it can take a while to work up to larger loans.

Short-term loans and personal loans offering same-day funding

A personal loan or a short-term loan might make more sense if you need more money than a cash advance app can provide. But keep in mind that you may need a decent credit score to qualify, and some loan options may come with high APRs.

Lender	Loan amounts	Turnaround time	Min credit score
RISE Credit	$500 to $5,000	As soon as the same day	Not stated	Read Review
Upstart	$1,000–$75,000 (state minimums vary)	As soon as the next business day	300	Go to site
OppLoans	$500 to $5,000	As soon as the same business day	No minimum	Go to site
Avant	$2,000 to $35,000	As soon as the next business day	550	Go to site
Best Egg	$2,000 to $50,000	In as little as 24 hours	640	Go to site
NetCredit	$1,000 to $10,000	As soon as the same business day	No minimum	Read Review
OneMain Financial	$1,500 to $30,000	As soon as one hour	Not stated	Go to site
Possible	$50 to $500	As fast as 1 business day	No minimum	Read Review
Credible	$1,000 to $250,000	As soon as the same day	580	Go to site
ACE Cash Express	$100 to $1,500	As fast as same business day	No minimum	Read Review

Alternatives to cash advance apps

A cash advance app may not always be the best answer. Consider these alternatives if you need frequent advances just to get by.

Loan from friends or family. If you only need to borrow a small amount, maybe you have a friend or family member who can help you until payday.
Local resources. Most states and cities have local programs that can provide assistance if you need help with food, utility bills or other necessities.
Credit counseling. Nonprofit credit counseling agencies can help you create a budget and come up with a debt repayment plan so you don’t have to rely on cash advance apps.
0% credit cards. If you qualify, a credit card with a 0% introductory rate can offer free financing for up to 18 months or more. Just be sure you can repay it before the regular rate kicks in.
Loan from your bank. Many banks and credit unions offer small loans or lines of credit at reasonable rates to customers in good standing.
Payday loan. Finder doesn’t usually recommend payday loans because APRs are so high, but it is an option if you’ve exhausted every alternative.

Frequently asked questions

Thank you for your feedback!

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.

Written by

Lacey Stark

Writer

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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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Best Same-Day Cash Advance Apps

Compare cash advance apps that provide same-day funding, and find the one that best fits your needs.