According to Netspend, 95% of employees are interested in working for an employer that provides earned wage access. Netspend offers employees a way to access a portion of their earned cash ahead of schedule. However, not all apps and employers are compatible with Netspend. Here are some that are.
5 cash advance apps that work with Netspend
- Best for employees: EarnIn
- Best for no tip requirement: Chime
- Best for borrowing small amounts: Cash App
- Best for no overdraft fees: Dave
- Best for tapping into earned income: DailyPay
Best for employees
EarnIn is a cash advance app that lets you borrow up to $750 of your earned wages before payday with its Cash Out feature. This borrowing limit is significantly higher than most cash advance apps and unlike payday loans, there's no interest or financing fees to use Cash Outs.
To qualify for EarnIn Cash Outs, you need to be employed, have regular direct deposits and earn a minimum of $320 each pay period. You can transfer $100 a day to a linked bank account, or more than $100 per day to an EarnIn card. Regular transfers are available in one to three business days or in minutes for a fee.
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Pros
- No credit check required
- No mandatory fees, interest or tipping
- Free credit score tracking included
- Cash Out more than $100 per day with an EarnIn card
Cons
- Verification of employment earnings required
- Same-day (Lightning) transfers attract a fee
- Can only qualify with employment income
- Not ideal for gig workers
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| Loan amount | Get up to $100 per day or $750 per pay period. |
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| Loan Term | Due by your next pay date |
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| Turnaround time | 1 to 3 business days, or same-day for a fee |
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| Loan amount | Up to $750 |
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| Turnaround time | 1 to 3 business days, or same-day for a fee |
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| Costs | Free to use or $3.99 for Lightning Speed transfers. |
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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. You can connect your Netspend Prepaid Mastercard or the Skylight ONE Prepaid Card to access payroll.
To qualify for SpotMe, you must have a qualifying direct deposit of at least $200 sent to your Chime checking account every month. While $20 in overdrafts isn't much, Chime may raise your overdraft feature limit 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, CashApp and Venmo
- No fee service
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 Borrow enables select users to instantly borrow $20 to $200 with just a few taps on the app. However, you'll be on the hook for a 5% monthly fee to use the service, and you'll have four weeks to pay it back. Timely payments are a must with the program, with late fees at 1.25% per week until your loan is repaid.
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Pros
- Automatic repayments
- Easy to access built-in functionality
Cons
- Only available to select users
- Maximum $200 withdrawal
- After 90 days of nonpayment, any funds within account will be applied 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 no overdraft fees
Dave is a well-known banking app that offers cash advances up to $500, in addition to credit-building services and automatic budgeting tools. The app charges a $1 monthly membership fee for its services and a small fee for “Express” funding, which allows users to receive their advance in less than eight hours. Unlike some of its rivals, Dave is recognized for waiving overdraft fees for its customers and providing various features, including overdraft warnings and budgeting tools. You can connect your Netspend account in the Dave app.
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Pros
- Two delivery speeds
- No fees or interest for basic plan
- Side hustle extra cash feature
Cons
- Fees may range from $3 to $15 for immediate transfer
- Short repayment date (next paycheck)
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| Loan amount | Up to $500 |
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| Loan Term | Varies |
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| Turnaround time | Up to 3 business days, or instant for a fee |
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| Loan amount | Up to $500 |
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| Turnaround time | Up to 3 business days, or instant for a fee |
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| Costs | $1 monthly membership fee and express delivery from $3 to $15 fee |
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Best for tapping into earned income
Netspend partners with DailyPay to bolster financial security for its clients, offering direct access to earned wages. Netspend users can access a portion of their earned wages before payday by downloading the Netspend Earned Wage Access App, creating a login and selecting the name of their employer. You can transfer funds up to five times daily with a $1,000 limit per day.
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Pros
- Can access wages 24/7 and 365 days of the year
- Up to $1,000 per day limit
- Can access up to 100% of earned wages
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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How we chose these providers
We evaluated various pay advance apps compatible with Netspend, comparing loan amounts, turnaround times, fees and eligibility.
Does my cash advance app work with Netspend
If you have a favorite app that didn’t make our list, it might still work with Netspend. 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 Netspend?
Netspend is a well-established company that handles millions of dollars in deposits and provides financial management tips. However, it’s important to note that The Federal Trade Commission (FTC) has raised concerns about deceptive claims made by Netspend regarding immediate access to funds and other representations, which allegedly led to severe financial hardship for some consumers.
It is important to weigh the FTC’s allegations against your own needs and experiences when deciding to use Netspend’s services.
Pros and Cons of Netspend
Pros
- Has partnerships to allow employees to access wages early
- No credit check
- No activation fee
- No minimum balances required
Cons
- Few compatible third-party apps compared to competitors
- Your employer has to be partnered with Netspend
Alternatives to Cash Advance Apps for Netspend customers
While Netspend allows employees to access financial wellness information, get 24/7 support in some cases and access wages early. However, it may not be compatible if your employer isn’t partnered with Netspend.
Here are some alternatives that may work for you instead:
- Local resources. If you need financial assistance, check your local government to see which programs they offer to help you cover food, utilities and rent during difficult times.
- Financial counseling. Sometimes, you may want to seek a third-party financial counselor to help create a sustainable budget that supports your basic needs and lifestyle. An outside eye may help you find opportunities for better spending and long-term financial success.
- Credit union or bank loans. You can consider having a membership in your local credit union or bank to meet short-term funding needs. These institutions, especially credit unions, usually offer lower interest rates than cash advance apps.
These cash advance apps in partnership with Netspend aren’t your only options for getting funds ahead of payday. You can check out other cash advance apps or payday loan alternatives before you decide.
