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Pay advance apps

Compare apps that could loan you money today — without having to wait until your next paycheck.

What is a pay advance app?

If you’re currently employed and work steady hours, a pay advance app — also known as a cash advance app or paycheck advance app — may be able to advance you up to 50% of your earned income. And if you’re between paychecks or waiting for your employer to deposit your funds, a pay advance app can help you meet financial obligations on time.

Pay advance apps work off a tipping system or a small monthly membership fee, so you won’t have to worry about interest or other costs. The turnaround time varies widely between apps, but most can deposit funds into your bank account in less than three business days.

How do pay advance apps work?

Because pay advance apps are meant for your mobile device, you’ll need to download the app to your smartphone and follow the directions to create an account. And be sure to check for updates frequently. This will allow you to take advantage of new programs and features as they come out.

To create an account, you need to supply some basic information. Enter your contact details, bank account and routing numbers, information about your employment and when you’re paid. This will help most apps determine how much you can borrow and when you’ll have to repay your advance.

From there, it may take a few days for the app to confirm your identity and direct deposits. Once it does, you can navigate to its pay advance section and select how much you want to borrow.

How much can I borrow?

It varies by provider, you can typically borrow a percentage of the money you’ve already earned. Some have a small maximum limit of just $75, while others may advance you up to $500 per pay period.

The total depends on the app and your hourly wage. Many are constantly doing the math for you and show you how much you have available at any given time so you can make an informed decision.

How much does it cost to borrow?

It depends on the app. Some charge a monthly membership fee that can range from $1 to $10, while others ask you to tip — though it’s usually optional. And none of the apps listed below charge interest — a far cry from the costs of payday lenders.

How do repayments work?

Usually, the pay advance app automatically deducts your funds from your bank account on the due date — which is typically your pay day. If you don’t have enough in your account, many will hold off on withdrawing your payment to prevent you from overdrafting.

However, you won’t be able to borrow again until you repay your current advance. And some apps like Dave may ban you if this happens too frequently.

Employer-based pay advance apps

Some companies like Walmart and Comcast have started partnering with pay advance apps to offer both wage advances and installment loans specifically to employees. These work similarly to pay advance apps for everyone, but instead it’s your employer that advances you money and deducts repayments from your future paychecks. You can learn more with our guide to employer-based paycheck advances.

Pros and cons of pay advance apps


  • Limited costs. Pay advance apps usually charge zero interest, so you’re only on the hook for a small monthly membership fee or optional tip — if that.
  • Quick turnaround. You may be able to get your money the same day depending on the app you use.
  • Budgeting features. Almost every pay advance app tracks your income and spending to give you a heads up if you might overdraw your account.


  • Must be employed. Pay advance apps give you an advance on your paycheck, so you need to be employed to qualify.
  • Limited loan amount. The amount you can borrow is typically based on the money you’ve already earned — usually no more than $500 per pay period.
  • May pay a membership fee. Some apps charge a monthly membership fee — whether or not you take out an advance.

What’s the eligibility to use a pay advance app?

Eligibility criteria varies between providers, but there are a few basic requirements you need to meet:

  • Be gainfully employed
  • Work regular hours
  • Receive a consistent paycheck
  • Have an operational checking account
  • Receive direct deposits

Some apps may also require you to work for a specific employer or make a minimum amount of money each month to qualify.

How will pay advance apps affect my credit?

Most pay advance apps don’t check your credit history when you request an advance, nor will they report your on-time or missed payments to the major credit bureaus.

Alternatives to pay advance apps

Pay advance apps are only one option when you’re looking for cash fast. If you need to borrow more than these apps offer, you might want to look into these alternatives:

Compare pay advance apps

Name Product Filter Values Loan amount Turnaround time Requirements
B9 pay advance app
Up to 100% of your salary
$500+ in monthly direct deposits into B9 account, checking account, ITIN or SSN, government-issued photo ID
Withdraw 100% of your paycheck with no extra fee for instant funding.
Possible Finance Mobile Installment Loans
Up to $500
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 5 states.
Up to $250
Same business day to 2 business days
Have an active checking account
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.

Compare up to 4 providers

Bottom line

If you need a $100 or so to hold you over until your next paycheck, consider using a pay advance app. They usually don’t charge interest, so you’ll only be on the hook for a minimal membership fee or optional tip — if that. But you’ll need to be employed to qualify, and you’re limited to borrowing a percentage of the money you already earned.

Don’t have a regular source of income or need to borrow more? You might want to look into your payday loan options instead.

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2 Responses

    Default Gravatar
    DustinSeptember 6, 2019

    Can I get an advance without any form of ID?

      Default Gravatar
      AshSeptember 8, 2019

      Hi Dustin,

      Thank you for contacting Finder.

      Yes, you may request for a paycheck advance through any of the Lenders listed on the table above. Most of the Lenders’ requirements are a proof of your income and you having an account with them. Creating an account may not need you to provide your ID thus can request for an advance without it.

      I hope this helps.

      Please do not hesitate to reach out again if you have additional questions.


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