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

4 cash advance apps that work with Netspend

Not all cash advance apps work with Netspend, but here are 4 that do.

According to Netspend, 95% of employees are interested in working for an employer that provides earned wages 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.

4 cash advance apps that work with Netspend

  • Best for no tip requirement: Chime
  • Best for borrowing small amounts: Cash App
  • Best for tapping into earned income: Dailypay
  • Best for no overdraft fees: Dave

Best for no tip requirement

Chime SpotMe®

Go to site Read review

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.

  • Available in all states
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.

Best for borrowing small amounts

Cash App

Go to site Read review

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.

  • Available in all states
Cash App is a financial platform, not a bank. Banking services provided by Cash App’s bank partner(s). Prepaid debit cards issued by Sutton Bank.

Best for tapping into earned income

Dailypay pay advance app

Read review

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.

  • Available in all states

Best for no overdraft fees

Dave ExtraCash

Go to site Read review

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.

  • Available in all states

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.

AppTypeWorks with Netspend?
Advance AmericaPayday loan
AlbertCash advance
BranchCash advance
BrigitCash advance
Cash AppCash advance
CashNetUSAPayday loan
CleoCash advance
DaveCash advance
EarninCash advance
EmpowerCash advance
Float MeCash advance
GeraldCash advance
GridCash advance
KloverCash advance
LendupConnection service
MoneyLionCash advance
Money MutualPayday loan
OppLoansInstallment loan
Possible FinanceInstallment loan
SpotloanInstallment loan
VaroCash advance
VolaCash 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


  • Has partnerships to allow employees to access wages early
  • No credit check
  • No activation fee
  • No minimum balances required


  • 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.

More guides on Finder

Ask an Expert provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.
Go to site