There’s no shortage of cash advance apps on the market, but here are five cash advance apps that work with
Albert. However, depending on which third-party app you’re using, you may have to watch for additional fees in the form of a fixed-dollar amount or a rate.
Cash advance apps help employees access their earned income when needed. This allows for flexibility and peace of mind to meet obligations without waiting for payday.
5 cash advance apps that work with Albert
If you already work with Albert, your easiest cash advance option is to use its cash advance feature. However, if you’re in the market for a separate cash advance app that works with Albert, here are cash advance apps that integrate with it.
- Best for no tip requirement: Chime
- Best for borrowing small amounts: Cash App Borrow
- Best for a traditional banking experience: MoneyLion
- Best for complete financial wellness: Payactiv
- Best for offering 100% of earned income: Dailypay
Best for no tip requirement
Chime is an online banking platform, with its SpotMe feature recognized for its quick transactions and absence of fees. If you're a Chime customer with an active debit card, its SpotMe feature can help you avoid costly overdraft fees.
Overdrafts start at $20, but Chime may raise your overdraft feature limit up to $200 based on your direct deposit activity, spending habits and other factors.
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Pros
- Low $200 qualifying amount in last 34 days
- Can be accessed by gig workers and full-time employees
- Peer-to-peer compatibility with PayPal, Cash App and Venmo
Cons
- Lower customer service ratings
- Can only overdraw up to $20 at the beginning of service
- Won't cover non-debit card purchases such as ACH transfers
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| Loan amount | Up to $200 |
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| Loan Term | Next deposit |
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| Turnaround time | Same day |
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Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Direct deposit: 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. SpotMe: Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher 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 limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.
| Loan amount | $20 - $200 |
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| Turnaround time | Same day |
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| Costs | No fee |
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Best for borrowing small amounts
Cash App provides a feature called Cash App Borrow, enabling users to instantly borrow $20 to $200 with just a few taps. Not everyone who downloads the app can access the feature, as it's currently in pilot mode, and it's unclear who can gain access. There is speculation that you can increase your odds of gaining access to the feature if you deposit at least $1,000 per month in your account.
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Pros
- Automatic repayments
- Short repayment term of 4 weeks
- Easy-to-access built-in-functionality
Cons
- Only available to select users
- Maximum $200 withdrawal
- After 90 days of not paying loan, any funds within account will be counted toward outstanding balance
- Loans not available in all US states
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| Loan amount | $20 to $200 |
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| Loan Term | Varies |
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| Turnaround time | Same day |
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| Loan amount | $20 - $200 |
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| Turnaround time | Same day |
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| Costs | 5% flat fee |
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Best for a traditional banking experience
MoneyLion Instacash advances
MoneyLion's Instacash feature allows existing customers to access cash advances of up to $500, with the flexibility to extend the repayment date and no mandatory fees. However, getting your advance may take a few days or more, and they are distributed in up to $100 increments. Unlike some competitors, MoneyLion doesn't charge overdraft fees and provides the option to extend the repayment date, making it a convenient option for covering one-time emergency expenses. You can connect your MoneyLion's RoarMoneySM virtual debit card to the Albert app.
- Available in: Alabama, Arizona, California, Delaware, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Missouri, New Mexico, North Dakota, Oklahoma, South Carolina, South Dakota, Texas, Utah, Washington, Wisconsin, Wyoming
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Pros
- No overdraft fees
- Option to extend repayment date
- Cash advances up to $500, larger than some competitors
Cons
- Funds can take up to 5 days unless you pay a fee
- Your bank account must have a positive balance and be at least two months old
- Need to pay $19.99 a month to unlock $700 in InstaCash
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| Loan amount | Up to $500 or $1,000 with RoarMoney account |
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| Loan Term | Due by your next pay date |
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| Turnaround time | Up to 5 days or instant for a fee of $0.49 to $8.99 |
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| Loan amount | $50 - $500 |
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| Turnaround time | Up to 5 days or instant for a fee of $0.49 to $8.99 |
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| Costs | $29 monthly fee if you have a Plus membership |
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Read review
Best for Complete Financial Wellness
Payactiv sets itself apart from competitors by offering a holistic financial wellness platform that includes banking products, savings and a suite of services to promote both employee and employer financial well-being. Payactiv focuses on a wide range of financial services, including low-cost advances on paychecks with no bank account required, secure bill payment and financial insights. Payactiv's approach to employee wellness includes access to earned wages, safe-to-spend guidance, goal-based savings and exclusive discounts. You can link your Payactive Visa Card to the Albert App.
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Pros
- No bank account required
- Instant financing available
- App comes with a suite of financial education apps that promote financial coaching, discounts and goal-based saving
Cons
- Only accessible through employer
- Payactive Visa Card limited to 37,000 ATMs
- Deposits may take up to 2 days
- $1.99 fee without direct deposit
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| Loan amount | $200 minimum per pay period or 50% of earned wages, whichever is greater |
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| Loan Term | Not Applicable |
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| Turnaround time | Instant to a Payactiv card, otherwise up to 48 hours |
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| Loan amount | $200 minimum per pay period or 50% of earned wages, whichever is greater |
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| Turnaround time | Instant to a Payactiv card, otherwise up to 48 hours |
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Best for offering 100% of earned income
DailyPay is an on-demand pay platform that lets workers access their earned pay early. The platform is compatible with various payment methods, including debit cards, although not all US banks support direct transfers to debit cards. Unlike some competitors, DailyPay is not a loan or a paycheck advance but rather a means for employees to transfer their already-earned pay to their bank account or card, offering a convenient alternative to traditional payday cycles. You can connect your prepaid card from DailyPay, called the Friday Card, to your account in Albert.
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Pros
- Can transfer up to five times a day up to a collective $1,000 limit
- Access 100% of your earned income
- Immediate transfers, even on weekends and holidays
Cons
- Can only access if employer has partnership with DailyPay
- Poor customer service rating
- Not supported by all US banks
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| Loan amount | 100% of your earned income, $1,000 limit per day |
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| Loan Term | Not stated |
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| Turnaround time | Instant or next business day |
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| Loan amount | 100% of your earned income, $1,000 limit per day |
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| Turnaround time | Instant or next business day |
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Read review
How we chose these providers
We evaluated various pay advance apps compatible with Albert, comparing loan amounts, turnaround times, fees and eligibility.
Does my cash advance app work with Albert?
If you have a favorite app that didn’t make our list, it might still work with Albert. Browse our table to see which cash advance, payday loan and installment loan apps will or won’t work with the app.
| Advance America | Payday loan | | |
| Albert | Cash advance | | |
| Branch | Cash advance | | |
| Brigit | Cash advance | | |
| Cash App | Cash advance | | |
| CashNetUSA | Payday loan | | |
| Cleo | Cash advance | | |
| Dave | Cash advance | | |
| Earnin | Cash advance | | |
| Empower | Cash advance | | |
| Float Me | Cash advance | | |
| Gerald | Cash advance | | |
| Grid | Cash advance | | |
| Klover | Cash advance | | |
| Lendup | Connection service | | |
| MoneyLion | Cash advance | | |
| Money Mutual | Payday loan | | |
| OppLoans | Installment loan | | |
| Possible Finance | Installment loan | | |
| Spotloan | Installment loan | | |
| Varo | Cash advance | | |
| Vola | Cash advance | | |
Should I stick with Albert?
The Albert app is a widely used all-in-one personal finance tool that pools together various money management functions into a single platform. It offers automated savings, budget management, spending, borrowing and investing tools, as well as the aggregation of all accounts in one place, providing users with a comprehensive overview of their financial situation. If you’re already an Albert customer, it may be easiest to get your cash advances through Albert.
However, some potential drawbacks include users can only access the tools through the app and features such as the Albert Genius service require a subscription fee. Those looking to avoid subscription fees and app-only usage may prefer other options.
Pros and Cons of Albert
Pros
- 10 days to pay the overdraft
- All-in-one app with investing and saving features
- FDIC insured up to $250,000
Cons
- No customer service number
- Limits capped at $250
- Bank account must have long transaction history
- Active Genius subscription required
Alternatives to Cash Advance Apps for Albert Customers
If you’d rather avoid cash advance apps altogether, here are some alternative options that may work for you instead:
- Payday Alternative Loan (PAL). Consider a PAL, which is offered by some credit unions and can provide a lower-cost alternative to a payday loan. PALs typically have more favorable terms and lower interest rates than traditional payday loans.
- Bad credit personal loans. Explore the option of a “bad credit” personal loan, which may be available from various lenders. While the APRs can be high, these loans can provide access to funds without the steep costs associated with payday loans.
- Local resources and lower-cost loans. Look into local resources, such as small-dollar bank loans offered by financial institutions and lower-cost loans that may be available in your community. Some credit unions and nonprofits also offer small-dollar lending programs.
Bottom line
These cash advance apps in partnership with Albert aren’t your only options to secure funds ahead of payday. You can check out other cash advance apps or payday loan alternatives before you make a final call.
